401(k) · DOL Form 5500 · 2024

Spero Financial Federal Credit Union 401(k) Plan

Data updated 2026-08-25

$23M
Total assets Small plan by assets
162
Participants Small participant base
73rd
Percentile by assets National rank
$139,891
Avg per participant Near avg balance/head
PlainRetire home → About this data RSS: change history

Official DOL plan name: Spero Financial Federal Credit Union 401(k)/Profit Sharing Plan · Sponsored by Spero Financial Federal Credit Union · South Carolina · Finance & Insurance

$23M in assets, 162 participants

Spero Financial Federal Credit Union's Spero Financial Federal Credit Union 401(k)/Profit Sharing Plan reported $23M in total assets and 162 participants in its 2024 DOL Form 5500 filing, ranking in the 73rd percentile by assets among filed plans. Figures are as reported by the plan sponsor to the Department of Labor, not audited or endorsed by PlainRetire.

  • #4,979 in Finance & Insurance (8,549 peers)

Coverage in South Carolina

Spero Financial Federal Credit Union 401(k)/Profit Sharing Plan covers 162 participants in South Carolina, about 44% of the average South Carolina filer (state average ~369 per filing). Assets: $23M.

#4,979
in Finance & Insurance (8,549 peers)
+14.2%
assets growth YoY

Spero Financial Federal Credit Union 401(k)/Profit Sharing Plan's outsized position by total assets

Spero Financial Federal Credit Union 401(k)/Profit Sharing Plan vs every filed plan by assets

End-of-year total assets · plan year 2024 · DOL Form 5500

$22,662,337 Top 27% higher than 73% of 123,620 filed plans

This plan $0 $2,050,000,000 every filed plan with reported assets, bucketed by value

Dashed line + filled bar = this entry, among filed plans.

Source U.S. Department of Labor Form 5500 filings (EBSA) · plan year 2024

Spero Financial Federal Credit Union 401(k)/Profit Sharing Plan among mid-size filed plans by headcount

Plan-year 2024 Form 5500 filings with a reported participant count, partitioned by headcount band, not by assets. Spero Financial Federal Credit Union 401(k)/Profit Sharing Plan sits mid-pack in the medium band (162 participants).

What changed between DOL Form 5500 filings

plan year 2023 → plan year 2024

  • Spero Financial Federal Credit Union 401(k)/Profit Sharing Plan reported net income fell from $4M in the plan year 2023 filing to $3M in the plan year 2024 filing.
  • Spero Financial Federal Credit Union 401(k)/Profit Sharing Plan end-of-year assets rose from $20M in the plan year 2023 filing to $23M in the plan year 2024 filing.
  • Spero Financial Federal Credit Union 401(k)/Profit Sharing Plan reported participants rose from 148 in the plan year 2023 filing to 162 in the plan year 2024 filing.

See the national 2023→2024 release diff →

Published 5500 schedule card

Filing strip 570310635 · Spero Financial Federal Credit Union PY 2024 · 401(k)

Spero Financial Federal Credit Union 401(k)/Profit Sharing Plan · $23M · 162 · 73rd

  • SCH $23M
  • SCH 162
  • SCH 73rd
  • SCH 401(k)
  • SCH near Harold Brothers Mechanical 401(k) Plan
  • SCH ind #4979

Stamps derive from this plan's Form 5500 line items (assets, participants, type, EIN, cohort placement) - not a quality rating of the sponsor. Read with Finance & Insurance retirement plans → · Plans in South Carolina →

Spero Financial Federal Credit Union 401(k)/Profit Sharing Plan in the asset neighbourhood

Spero Financial Federal Credit Union 401(k)/Profit Sharing PlanSpero Financial Federal Cred…$23MHarold Brothers Mechanical 401(k) PlanHarold Brothers Mechanical 4…$23MNewage Industries, Inc. 401(k) PlanNewage Industries, Inc. 401(…$23MFred Martin Motor Company 401(k) Profit Sharing Plan & TrustFred Martin Motor Company 40…$23MMutual Drug 401(k) Plan$23M
End-of-year total assets ($M) among Spero Financial Federal Credit Union 401(k)/Profit Sharing Plan and nearest nationwide 401(k) peers. Source: DOL Form 5500 plan year 2024.

South Carolina filing particulars

Total Assets (Beginning of Year)$20M
Net Assets (End of Year)$23M
Net Income$3M
Employer EIN570310635
Plan Effective Date1997-01-01
Filing StatusFILING RECEIVED

Sponsor Plan History (Spero Financial Federal Credit Union)

Sponsor-wide plan assets over time

All Spero Financial Federal Credit Union plans reported in each filing year

Latest sponsor-wide plan assets
$23M 41.651752887810126% vs 2022
2024 filing year
$14M$16M$18M$20M$22M$24M 202220232024 $16M $22.7M ▲ +41.6%
Year Plans Participants Total Assets
2022 1 142 $16M
2023 1 148 $20M
2024 1 162 $23M

Nearby 401(k) Plans in South Carolina

Peer 401(k) plans, same state, same plan type, ranked by total assets.

Spero Financial Federal Credit Union 401(k)/Profit Sharing Plan vs. nearby 401(k) plans in South Carolina, assets vs. participants Scatter plot of 6 data points. -500005000100001500020000 -1012345 Total assets ($B) Participants Spero Financial Federal Credit Union 401(k)/Profit Sharing Plan, Total assets ($B): 0.022662337 · Participants: 162Spero Financial Federal Credit Union 401(k)/Profit Sharing PlanMichelin 401(k) Savings Plan, Total assets ($B): 4.477517422 · Participants: 15095Michelin 401(k) Savings PlanThe Savannah River Nuclear Solutions, LLC Defined Contribution Plan, Total assets ($B): 2.829914985 · Participants: 9296The Savannah River Nuclear Solutions, LLC Defined Contribution PlanSonoco Retirement & Savings Plan, Total assets ($B): 1.663698617 · Participants: 11813Sonoco Retirement & Savings PlanBlue Cross Blue Shield of Sc Employee Savings and Salary Reduction Plan, Total assets ($B): 1.460862801 · Participants: 11878Blue Cross Blue Shield of Sc Employee Savings and Salary Reduction PlanThe Milliken Retirement Plan, Total assets ($B): 1.350798497 · Participants: 5733The Milliken Retirement Plan
Spero Financial Federal Credit Union 401(k)/Profit Sharing Plan vs. nearby 401(k) plans in South Carolina, assets vs. participants
Compare Spero Financial Federal Credit Union 401(k)/Profit Sharing Plan side-by-side with 3 peers →

Spero Financial Federal Credit Union 401(k)/Profit Sharing Plan's out-of-state 401(k) peers by assets and headcount

Outside South Carolina, the nearest 401(k) by assets is Harold Brothers Mechanical 401(k) Plan in MA ($23M); by covered participants it is Central Ohio Urology Group, Inc. 401(k) Profit Sharing Plan in OH (162 participants). Same-state nearby plans are listed separately above.

Closest by plan assets

Nearest other-state filings by tot_assets_eoy ($23M here).

Similar participant headcount

Nearest other-state filings by covered participants (162 participants); asset peers above are excluded.

DOL Form 5500 plan year 2024. Asset totals can differ widely at the same headcount; neither axis is a quality rating.

Frequently Asked Questions

How did Spero Financial Federal Credit Union 401(k)/Profit Sharing Plan assets move in 2024? ▼
Spero Financial Federal Credit Union 401(k)/Profit Sharing Plan grew at a solid clip - up 14.2% during 2024, from $20M to $23M. Reported net income was $3M.
How have Spero Financial Federal Credit Union plan assets changed over time? ▼
Across 3 plan years on file (2022-2024), Spero Financial Federal Credit Union's sponsor-wide assets grew 41.7%, from $16M to $23M.
Which 401(k) plans are similar in size to Spero Financial Federal Credit Union 401(k)/Profit Sharing Plan? ▼
Among 401(k) plans in other states, the closest by assets is Harold Brothers Mechanical 401(k) Plan in MA ($23M, 287 participants).
Which 401(k) plans cover a similar participant headcount to Spero Financial Federal Credit Union 401(k)/Profit Sharing Plan? ▼
Among 401(k) plans in other states, the closest by covered participants is Central Ohio Urology Group, Inc. 401(k) Profit Sharing Plan in OH (162 participants, N/A in assets).

Source: U.S. Department of Labor, Employee Benefits Security Administration (EBSA), Form 5500 public disclosure dataset. Plan year 2024.

Source: DOL EFAST2 filing system (efast.dol.gov) - original filing retrieval by EIN 570310635.

Read our methodology - how this data is sourced, computed, and verified.

Data sourced from U.S. Department of Labor Form 5500 filings (EBSA). See our methodology for details.