Form 5500 · Employee benefit plan · ST. LOUIS, MO
SPIRE SERVICES INC.
The filing calls this plan SPIRE HEALTH AND WELLNESS BENEFIT PLAN.
SPIRE SERVICES INC. of ST. LOUIS, MO is a 4,378-participant utilities employer — a large group whose insured benefits are disclosed on Schedule A of its Form 5500. Its broker of record is MCGRIFF INSURANCE SERVICES INC. Coverage is written through MINNESOTA LIFE INSURANCE COMPANY and 4 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 47-4582725 · plan 501 · plan year 2024, filed Oct 13, 2025
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1,182 other employer plans in Missouri have policy years ending in December. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Self-funded as reported
The filing reports benefits paid from the plan's own money, and no medical insurance contract on Schedule A.
A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.
Benefits declared on this filing
3 contracts on this filing do not say which benefits they cover, so a line above may be insured by one of them.
Also declared: severance, death benefits.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 6 insured contracts covering vision, life and disability; the largest, with MINNESOTA LIFE INSURANCE COMPANY, covers 6,912 people.
The filing declares vision, life, disability, health and dental. Health and dental appear with no insured contract on Schedule A. That coverage may be self-funded, placed with a carrier that is not on this filing, or written on one of the 3 contracts here that do not say what they cover.
Reported premium across the insured contracts is $9,124,925, with $382,911 in disclosed broker commissions — about 4.2% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
MCGRIFF INSURANCE SERVICES INC is the broker of record on 2 of the 6 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| MINNESOTA LIFE INSURANCE COMPANY | Life | 6,912 | Jan 1, 2025 | $5,870,572 | $261,257 |
| PRUDENTIAL INSURANCE COMPANY OF AMERICA | Disability | 3,320 | Jan 1, 2025 | $2,490,430 | $112,069 |
| FEDERAL INSURANCE COMPANY | — | 567 | Nov 1, 2024 | $32,652 | $4,898 |
| MINNESOTA LIFE INSURANCE COMPANY | — | 814 | Jan 1, 2025 | $104,152 | $4,687 |
| VISION SERVICE PLAN | Vision | 3,225 | Jan 1, 2025 | $627,119 | $0 |
| ZURICH AMERICAN INSURANCE COMPANY | — | 1,620 | Jul 1, 2024 | — | $0 |
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. The service providers are named on Schedule C of this filing. We publish company names only.
Reported to OSHA
Reported to OSHA for 2025: 506 employees, 1 recordable cases, 0 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Money the plan held and paid out
Sourced from U.S. DOL EFAST2 Form 5500 · Schedule H
These are the plan's own figures from Schedule H, the financial statement it files. They are not the premium on Schedule A.
Other plans filed by this employer
How this plan compares
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Renewal calendar
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