Back to filter
Original filing (PDF)20250618141727NAL0002534321001
SPERO FINANCIAL
Form 5500
FILING_RECEIVED
SPERO FINANCIAL EMPLOYEE BENEFIT PLAN
Health & welfare plan
Signals · 2
No auditor on fileNo recordkeeper disclosed
Active participants
174
Accounts w/ balance
—
Plan assets (EOY)
—
Net assets (EOY)
—
Plan health score (directional)
75
/ 100
Grade B
Above-average plan
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
60
Concentration risk
75
Total plan cost
75
Vendor stack
80
Participation health
100
Knocking points off
- No independent qualified public accountant (IQPA) named.
- No recordkeeper disclosed on Schedule C.
Helping the score
- Concentration not scored — Schedule of Assets PDF not yet parsed for this plan.
- No Schedule C compensation disclosed — likely a small plan or unbundled.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for SPERO FINANCIAL.
Plan sponsor
Name
SPERO FINANCIAL
EIN
57-0310635
Address
P.O. BOX 10708 · GREENVILLE, SC · 29603
Phone
(864) 370-5955
Industry
Finance & Insurancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
501
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-06-18
Welfare benefit codes
4A · Health (other than dental or vision)
4B · Life Insurance
4D · Dental
4E · Vision
4F · Temporary Disability (accident and sickness)
4H · Long-Term Disability
4L · Death Benefits (other than life insurance)
Audit & trust (Schedule H)
Auditor
—
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsBroker
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC | 30-0837157 | — | MEDICAL BROKER FEES | $44K | — |
TPA / Administrator
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| HEALTHGRAM, INC | 56-1449504 | — | MEDICAL TPA FEES | $77K | — |
| CIGNA CORPORATION | 59-1031071 | — | MEDICAL TPA FEES | $26K | — |
Investments
The Schedule of Assets is filed as a free-form PDF attachment on EFAST2; we parse these offline and coverage is partial (priority is the largest plans by EOY assets). This plan also reports no pooled (Schedule D) interests, so its holdings aren’t hidden on a master-trust filing. The line-item data lives on DOL EFAST2 under the same ACK_ID.
See Methodology > Data linkages for how Form 5500 / Schedule H / Schedule D / Schedule of Assets fit together.
Related plans
Other plans using HEALTHGRAM, INC
B V HEDRICK GRAVEL & SAND CO
HEDRICK EMPLOYEE GROUP BENEFIT PLAN
$4.1M · 702 participants
FAIRWAY FORD, INC.
FAIRWAY FORD, INC HEALTH AND WELFARE BENEFIT PLAN
$529K · 128 participants
FIRST COMMUNITY BANKSHARES, INC.
FIRST COMMUNITY BANKSHARES, INC MEDICAL & DENTAL CARE PLAN
$365K · 473 participants
ALLEN ENGINEERING CORP
ALLEN ENGINEERING CORP EMPLOYEE HEALTH BENEFIT PLAN
— · 159 participants
TIP TOP POULTRY GROUP INSURANCE PLAN
TIP TOP POULTRY INC EMPLOYEES GROUP INSURANCE
— · 536 participants
CHOWAN UNIVERSITY
THE HEALTH CARE PLAN OF CHOWAN COLLEGE
— · 103 participants
Similar-size Finance & Insurance plans
ONEAZ CREDIT UNION
ONEAZ CREDIT UNION DEFINED BENEFIT PENSION PLAN
$0
HORIZON CREDIT UNION
ICON CREDIT UNION DEFINED BENEFIT PLAN AND TRUST
$0
CALIFORNIA ADVENTIST FEDERAL CREDIT UNION
CALIFORNIA ADVENTIST FEDERAL CREDIT UNION 401K PLAN
$0
EMPLOYMENT SECURITY CREDIT UNION
EMPLOYMENT SECURITY CREDIT UNION 412(I) DEFINED BENEFIT PLAN AND TRUST
$0
AMPLIFY CREDIT UNION
AMPLIFY CREDIT UNION
$0
MISSISSIPPI FEDERAL CREDIT UNION
MISSISSIPPI FEDERAL CREDIT UNION 401(K) PLAN AND TRUST
$0
Large plans in South Carolina
MICHELIN NORTH AMERICA, INC. C/O RETIREMENT MANAGER
MICHELIN 401(K) SAVINGS PLAN
$4.5B · 15,068 participants
SAVANNAH RIVER NUCLEAR SOLUTIONS, LLC
THE SAVANNAH RIVER NUCLEAR SOLUTIONS, LLC MULTIPLE EMPLOYER PENSION PLAN
$3.7B · 1,489 participants
SAVANNAH RIVER NUCLEAR SOLUTIONS
SAVANNAH RIVER NUCLEAR SOLUTIONS, LLC MASTER TRUST
$3.7B
SAVANNAH RIVER NUCLEAR SOLUTIONS, LLC
THE SAVANNAH RIVER NUCLEAR SOLUTIONS, LLC DEFINED CONTRIBUTION PLAN
$2.8B · 9,871 participants
MICHELIN NORTH AMERICA, INC
MICHELIN RETIREMENT PLAN
$2.2B · 3,464 participants
PRISMA HEALTH
PRISMA HEALTH RETIREMENT SAVINGS PLAN
$2.2B · 32,659 participants