Civic Intelligence

Spruce Mortgage Inc.

Plan context: Spruce Mortgage Inc. 401(K) Plan

EIN 03-0346468 • Burlington, VT • 21 filings • 3 plans

430 Shelburn RoadSte 100Burlington, VT 05401-6908
Current Snapshot

Latest Year

2024

2024 Participants

7

2024 Assets

$1,747,817

2024 Contributions

$23,677

Historical Graphs

Total Assets Over Time

Aggregate end-of-year assets by filing year, excluding zero-asset years

$1,786,890$893,445$0200420152024YearValue
$1,747,817Latest year 2024

Participants Over Time

Largest reported end-of-year plan headcount by filing year, used to avoid double-counting participants across overlapping plans

1680200420142024YearValue
7Latest year 2024

Company Timeline

Year summaries and individual filings are combined here so you can stay in one place while moving across years and plan filings.

Year / FilingFilingsParticipantsAssetsContributionsContrib./Participant
202417$1,747,817$23,677$3,382iApproximate average salary by contribution assumption: employee only about $84,561 at 4% or $56,374 at 6%; with 50% employer match about $56,374 at 4% or $37,583 at 6%; with 100% employer match about $42,280 at 4% or $28,187 at 6%.
Spruce Mortgage Inc. 401(K) Plan-7$1,747,817$23,677$3,382iApproximate average salary by contribution assumption: employee only about $84,561 at 4% or $56,374 at 6%; with 50% employer match about $56,374 at 4% or $37,583 at 6%; with 100% employer match about $42,280 at 4% or $28,187 at 6%.
202317$1,549,461$29,976$4,282iApproximate average salary by contribution assumption: employee only about $107,057 at 4% or $71,371 at 6%; with 50% employer match about $71,371 at 4% or $47,581 at 6%; with 100% employer match about $53,529 at 4% or $35,686 at 6%.
Spruce Mortgage Inc. 401(K) Plan-7$1,549,461$29,976$4,282iApproximate average salary by contribution assumption: employee only about $107,057 at 4% or $71,371 at 6%; with 50% employer match about $71,371 at 4% or $47,581 at 6%; with 100% employer match about $53,529 at 4% or $35,686 at 6%.
202217$1,318,352$47,483$6,783iApproximate average salary by contribution assumption: employee only about $169,582 at 4% or $113,055 at 6%; with 50% employer match about $113,055 at 4% or $75,370 at 6%; with 100% employer match about $84,791 at 4% or $56,527 at 6%.
Spruce Mortgage Inc. 401(K) Plan-7$1,318,352$47,483$6,783iApproximate average salary by contribution assumption: employee only about $169,582 at 4% or $113,055 at 6%; with 50% employer match about $113,055 at 4% or $75,370 at 6%; with 100% employer match about $84,791 at 4% or $56,527 at 6%.
202118$1,786,890$83,802$10,475iApproximate average salary by contribution assumption: employee only about $261,881 at 4% or $174,588 at 6%; with 50% employer match about $174,588 at 4% or $116,392 at 6%; with 100% employer match about $130,941 at 4% or $87,294 at 6%.
Spruce Mortgage Inc. 401(K) Plan-8$1,786,890$83,802$10,475iApproximate average salary by contribution assumption: employee only about $261,881 at 4% or $174,588 at 6%; with 50% employer match about $174,588 at 4% or $116,392 at 6%; with 100% employer match about $130,941 at 4% or $87,294 at 6%.
202018$1,484,772$79,677$9,960iApproximate average salary by contribution assumption: employee only about $248,991 at 4% or $165,994 at 6%; with 50% employer match about $165,994 at 4% or $110,663 at 6%; with 100% employer match about $124,495 at 4% or $82,997 at 6%.
Spruce Mortgage Inc. 401(K) Plan-8$1,484,772$79,677$9,960iApproximate average salary by contribution assumption: employee only about $248,991 at 4% or $165,994 at 6%; with 50% employer match about $165,994 at 4% or $110,663 at 6%; with 100% employer match about $124,495 at 4% or $82,997 at 6%.
201918$1,230,637$38,475$4,809iApproximate average salary by contribution assumption: employee only about $120,234 at 4% or $80,156 at 6%; with 50% employer match about $80,156 at 4% or $53,438 at 6%; with 100% employer match about $60,117 at 4% or $40,078 at 6%.
Spruce Mortgage Inc. 401(K) Plan-8$1,230,637$38,475$4,809iApproximate average salary by contribution assumption: employee only about $120,234 at 4% or $80,156 at 6%; with 50% employer match about $80,156 at 4% or $53,438 at 6%; with 100% employer match about $60,117 at 4% or $40,078 at 6%.
201818$992,438$37,709$4,714iApproximate average salary by contribution assumption: employee only about $117,841 at 4% or $78,560 at 6%; with 50% employer match about $78,560 at 4% or $52,374 at 6%; with 100% employer match about $58,920 at 4% or $39,280 at 6%.
Spruce Mortgage Inc. 401(K) Plan-8$992,438$37,709$4,714iApproximate average salary by contribution assumption: employee only about $117,841 at 4% or $78,560 at 6%; with 50% employer match about $78,560 at 4% or $52,374 at 6%; with 100% employer match about $58,920 at 4% or $39,280 at 6%.
201718$1,052,911$32,347$4,043iApproximate average salary by contribution assumption: employee only about $101,084 at 4% or $67,390 at 6%; with 50% employer match about $67,390 at 4% or $44,926 at 6%; with 100% employer match about $50,542 at 4% or $33,695 at 6%.
Spruce Mortgage Inc. 401(K) Plan-8$1,052,911$32,347$4,043iApproximate average salary by contribution assumption: employee only about $101,084 at 4% or $67,390 at 6%; with 50% employer match about $67,390 at 4% or $44,926 at 6%; with 100% employer match about $50,542 at 4% or $33,695 at 6%.
201618$904,683$42,916$5,365iApproximate average salary by contribution assumption: employee only about $134,113 at 4% or $89,408 at 6%; with 50% employer match about $89,408 at 4% or $59,606 at 6%; with 100% employer match about $67,056 at 4% or $44,704 at 6%.
Spruce Mortgage Inc. 401(K) Plan-8$904,683$42,916$5,365iApproximate average salary by contribution assumption: employee only about $134,113 at 4% or $89,408 at 6%; with 50% employer match about $89,408 at 4% or $59,606 at 6%; with 100% employer match about $67,056 at 4% or $44,704 at 6%.
201519$832,357$52,376$5,820iApproximate average salary by contribution assumption: employee only about $145,489 at 4% or $96,993 at 6%; with 50% employer match about $96,993 at 4% or $64,662 at 6%; with 100% employer match about $72,744 at 4% or $48,496 at 6%.
Spruce Mortgage Inc. 401(K) Plan-9$832,357$52,376$5,820iApproximate average salary by contribution assumption: employee only about $145,489 at 4% or $96,993 at 6%; with 50% employer match about $96,993 at 4% or $64,662 at 6%; with 100% employer match about $72,744 at 4% or $48,496 at 6%.
2014111$977,022$58,725$5,339iApproximate average salary by contribution assumption: employee only about $133,466 at 4% or $88,977 at 6%; with 50% employer match about $88,977 at 4% or $59,318 at 6%; with 100% employer match about $66,733 at 4% or $44,489 at 6%.
Spruce Mortgage Inc. 401(K) Plan-11$977,022$58,725$5,339iApproximate average salary by contribution assumption: employee only about $133,466 at 4% or $88,977 at 6%; with 50% employer match about $88,977 at 4% or $59,318 at 6%; with 100% employer match about $66,733 at 4% or $44,489 at 6%.
2013111$840,676$77,481$7,044iApproximate average salary by contribution assumption: employee only about $176,093 at 4% or $117,395 at 6%; with 50% employer match about $117,395 at 4% or $78,264 at 6%; with 100% employer match about $88,047 at 4% or $58,698 at 6%.
Spruce Mortgage Inc. 401(K) Plan-11$840,676$77,481$7,044iApproximate average salary by contribution assumption: employee only about $176,093 at 4% or $117,395 at 6%; with 50% employer match about $117,395 at 4% or $78,264 at 6%; with 100% employer match about $88,047 at 4% or $58,698 at 6%.
2012112$666,634$84,607$7,051iApproximate average salary by contribution assumption: employee only about $176,265 at 4% or $117,510 at 6%; with 50% employer match about $117,510 at 4% or $78,340 at 6%; with 100% employer match about $88,132 at 4% or $58,755 at 6%.
Spruce Mortgage Inc. 401(K) Plan-12$666,634$84,607$7,051iApproximate average salary by contribution assumption: employee only about $176,265 at 4% or $117,510 at 6%; with 50% employer match about $117,510 at 4% or $78,340 at 6%; with 100% employer match about $88,132 at 4% or $58,755 at 6%.
2011112$514,612$55,937$4,661iApproximate average salary by contribution assumption: employee only about $116,535 at 4% or $77,690 at 6%; with 50% employer match about $77,690 at 4% or $51,794 at 6%; with 100% employer match about $58,268 at 4% or $38,845 at 6%.
Spruce Mortgage Inc. 401(K) Plan-12$514,612$55,937$4,661iApproximate average salary by contribution assumption: employee only about $116,535 at 4% or $77,690 at 6%; with 50% employer match about $77,690 at 4% or $51,794 at 6%; with 100% employer match about $58,268 at 4% or $38,845 at 6%.
2010112$462,888$49,660$4,138iApproximate average salary by contribution assumption: employee only about $103,458 at 4% or $68,972 at 6%; with 50% employer match about $68,972 at 4% or $45,981 at 6%; with 100% employer match about $51,729 at 4% or $34,486 at 6%.
Spruce Mortgage Inc. 401(K) Plan-12$462,888$49,660$4,138iApproximate average salary by contribution assumption: employee only about $103,458 at 4% or $68,972 at 6%; with 50% employer match about $68,972 at 4% or $45,981 at 6%; with 100% employer match about $51,729 at 4% or $34,486 at 6%.
2009114$364,195$56,008$4,001iApproximate average salary by contribution assumption: employee only about $100,014 at 4% or $66,676 at 6%; with 50% employer match about $66,676 at 4% or $44,451 at 6%; with 100% employer match about $50,007 at 4% or $33,338 at 6%.
Spruce Mortgage Inc. 401(K) Plan-14$364,195$56,008$4,001iApproximate average salary by contribution assumption: employee only about $100,014 at 4% or $66,676 at 6%; with 50% employer match about $66,676 at 4% or $44,451 at 6%; with 100% employer match about $50,007 at 4% or $33,338 at 6%.
2008115$255,049$44,248$2,950iApproximate average salary by contribution assumption: employee only about $73,747 at 4% or $49,164 at 6%; with 50% employer match about $49,164 at 4% or $32,776 at 6%; with 100% employer match about $36,873 at 4% or $24,582 at 6%.
Spruce Mortgage Inc. 401(K) Plan-15$255,049$44,248$2,950iApproximate average salary by contribution assumption: employee only about $73,747 at 4% or $49,164 at 6%; with 50% employer match about $49,164 at 4% or $32,776 at 6%; with 100% employer match about $36,873 at 4% or $24,582 at 6%.
2007115$0$0-
Spruce Mortgage Inc. 401(K) Plan-15---
2006116$211,636$71,539$4,471iApproximate average salary by contribution assumption: employee only about $111,780 at 4% or $74,520 at 6%; with 50% employer match about $74,520 at 4% or $49,680 at 6%; with 100% employer match about $55,890 at 4% or $37,260 at 6%.
Spruce Mortgage Inc. 401(K) Plan-16$211,636$71,539$4,471iApproximate average salary by contribution assumption: employee only about $111,780 at 4% or $74,520 at 6%; with 50% employer match about $74,520 at 4% or $49,680 at 6%; with 100% employer match about $55,890 at 4% or $37,260 at 6%.
2005116$120,514$93,514$5,845iApproximate average salary by contribution assumption: employee only about $146,116 at 4% or $97,410 at 6%; with 50% employer match about $97,410 at 4% or $64,940 at 6%; with 100% employer match about $73,058 at 4% or $48,705 at 6%.
Spruce Mortgage Inc. 401(K) Plan-16$120,514$93,514$5,845iApproximate average salary by contribution assumption: employee only about $146,116 at 4% or $97,410 at 6%; with 50% employer match about $97,410 at 4% or $64,940 at 6%; with 100% employer match about $73,058 at 4% or $48,705 at 6%.
2004113$20,511$20,462$1,574iApproximate average salary by contribution assumption: employee only about $39,350 at 4% or $26,233 at 6%; with 50% employer match about $26,233 at 4% or $17,489 at 6%; with 100% employer match about $19,675 at 4% or $13,117 at 6%.
Spruce Mortgage Inc. 401(K) Plan-13$20,511$20,462$1,574iApproximate average salary by contribution assumption: employee only about $39,350 at 4% or $26,233 at 6%; with 50% employer match about $26,233 at 4% or $17,489 at 6%; with 100% employer match about $19,675 at 4% or $13,117 at 6%.