Civic Intelligence

Stephen J. Spencer, Dds

Plan context: STEPHEN J. SPENCER, D.D.S. RETIREMENT PLAN & TRUST

EIN 81-0412970 • Great Falls, MT • 24 filings • 2 plans

912 13th Avenue SouthGreat Falls, MT 59405
Current Snapshot

Latest Year

2024

2024 Participants

10

2024 Assets

$1,518,116

2024 Contributions

$153,975

Historical Graphs

Total Assets Over Time

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

$4,192,177$2,096,089$0199920142024YearValue
$1,518,116Latest year 2024

Participants Over Time

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

1370199920132024YearValue
10Latest 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
2024110$1,518,116$153,975$15,398iApproximate average salary by contribution assumption: employee only about $384,938 at 4% or $256,625 at 6%; with 50% employer match about $256,625 at 4% or $171,083 at 6%; with 100% employer match about $192,469 at 4% or $128,313 at 6%.
STEPHEN J. SPENCER, D.D.S. RETIREMENT PLAN & TRUST-10$1,518,116$153,975$15,398iApproximate average salary by contribution assumption: employee only about $384,938 at 4% or $256,625 at 6%; with 50% employer match about $256,625 at 4% or $171,083 at 6%; with 100% employer match about $192,469 at 4% or $128,313 at 6%.
2023111$1,226,925$130,214$11,838iApproximate average salary by contribution assumption: employee only about $295,941 at 4% or $197,294 at 6%; with 50% employer match about $197,294 at 4% or $131,529 at 6%; with 100% employer match about $147,970 at 4% or $98,647 at 6%.
STEPHEN J. SPENCER, D.D.S. RETIREMENT PLAN & TRUST-11$1,226,925$130,214$11,838iApproximate average salary by contribution assumption: employee only about $295,941 at 4% or $197,294 at 6%; with 50% employer match about $197,294 at 4% or $131,529 at 6%; with 100% employer match about $147,970 at 4% or $98,647 at 6%.
2022113$957,077$121,124$9,317iApproximate average salary by contribution assumption: employee only about $232,931 at 4% or $155,287 at 6%; with 50% employer match about $155,287 at 4% or $103,525 at 6%; with 100% employer match about $116,465 at 4% or $77,644 at 6%.
STEPHEN J. SPENCER, D.D.S. RETIREMENT PLAN & TRUST-13$957,077$121,124$9,317iApproximate average salary by contribution assumption: employee only about $232,931 at 4% or $155,287 at 6%; with 50% employer match about $155,287 at 4% or $103,525 at 6%; with 100% employer match about $116,465 at 4% or $77,644 at 6%.
2021110$1,033,497$120,279$12,028iApproximate average salary by contribution assumption: employee only about $300,698 at 4% or $200,465 at 6%; with 50% employer match about $200,465 at 4% or $133,643 at 6%; with 100% employer match about $150,349 at 4% or $100,233 at 6%.
STEPHEN J. SPENCER, D.D.S. RETIREMENT PLAN & TRUST-10$1,033,497$120,279$12,028iApproximate average salary by contribution assumption: employee only about $300,698 at 4% or $200,465 at 6%; with 50% employer match about $200,465 at 4% or $133,643 at 6%; with 100% employer match about $150,349 at 4% or $100,233 at 6%.
2020111$4,192,177$126,179$11,471iApproximate average salary by contribution assumption: employee only about $286,770 at 4% or $191,180 at 6%; with 50% employer match about $191,180 at 4% or $127,454 at 6%; with 100% employer match about $143,385 at 4% or $95,590 at 6%.
STEPHEN J. SPENCER, D.D.S. RETIREMENT PLAN & TRUST-11$4,192,177$126,179$11,471iApproximate average salary by contribution assumption: employee only about $286,770 at 4% or $191,180 at 6%; with 50% employer match about $191,180 at 4% or $127,454 at 6%; with 100% employer match about $143,385 at 4% or $95,590 at 6%.
2019110$3,516,959$128,439$12,844iApproximate average salary by contribution assumption: employee only about $321,098 at 4% or $214,065 at 6%; with 50% employer match about $214,065 at 4% or $142,710 at 6%; with 100% employer match about $160,549 at 4% or $107,033 at 6%.
STEPHEN J. SPENCER, D.D.S. RETIREMENT PLAN & TRUST-10$3,516,959$128,439$12,844iApproximate average salary by contribution assumption: employee only about $321,098 at 4% or $214,065 at 6%; with 50% employer match about $214,065 at 4% or $142,710 at 6%; with 100% employer match about $160,549 at 4% or $107,033 at 6%.
2018112$2,929,611$112,913$9,409iApproximate average salary by contribution assumption: employee only about $235,235 at 4% or $156,824 at 6%; with 50% employer match about $156,824 at 4% or $104,549 at 6%; with 100% employer match about $117,618 at 4% or $78,412 at 6%.
STEPHEN J. SPENCER, D.D.S. RETIREMENT PLAN & TRUST-12$2,929,611$112,913$9,409iApproximate average salary by contribution assumption: employee only about $235,235 at 4% or $156,824 at 6%; with 50% employer match about $156,824 at 4% or $104,549 at 6%; with 100% employer match about $117,618 at 4% or $78,412 at 6%.
2017111$2,917,510$112,481$10,226iApproximate average salary by contribution assumption: employee only about $255,639 at 4% or $170,426 at 6%; with 50% employer match about $170,426 at 4% or $113,617 at 6%; with 100% employer match about $127,819 at 4% or $85,213 at 6%.
STEPHEN J. SPENCER, D.D.S. RETIREMENT PLAN & TRUST-11$2,917,510$112,481$10,226iApproximate average salary by contribution assumption: employee only about $255,639 at 4% or $170,426 at 6%; with 50% employer match about $170,426 at 4% or $113,617 at 6%; with 100% employer match about $127,819 at 4% or $85,213 at 6%.
201619$2,526,249$104,134$11,570iApproximate average salary by contribution assumption: employee only about $289,261 at 4% or $192,841 at 6%; with 50% employer match about $192,841 at 4% or $128,560 at 6%; with 100% employer match about $144,631 at 4% or $96,420 at 6%.
STEPHEN J. SPENCER, D.D.S. RETIREMENT PLAN & TRUST-9$2,526,249$104,134$11,570iApproximate average salary by contribution assumption: employee only about $289,261 at 4% or $192,841 at 6%; with 50% employer match about $192,841 at 4% or $128,560 at 6%; with 100% employer match about $144,631 at 4% or $96,420 at 6%.
2015110$2,278,833$380,103$38,010iApproximate average salary by contribution assumption: employee only about $950,258 at 4% or $633,505 at 6%; with 50% employer match about $633,505 at 4% or $422,337 at 6%; with 100% employer match about $475,129 at 4% or $316,753 at 6%.
STEPHEN J. SPENCER, D.D.S. RETIREMENT PLAN & TRUST-10$2,278,833$380,103$38,010iApproximate average salary by contribution assumption: employee only about $950,258 at 4% or $633,505 at 6%; with 50% employer match about $633,505 at 4% or $422,337 at 6%; with 100% employer match about $475,129 at 4% or $316,753 at 6%.
201419$1,923,896$102,372$11,375iApproximate average salary by contribution assumption: employee only about $284,367 at 4% or $189,578 at 6%; with 50% employer match about $189,578 at 4% or $126,385 at 6%; with 100% employer match about $142,183 at 4% or $94,789 at 6%.
STEPHEN J. SPENCER, D.D.S. RETIREMENT PLAN & TRUST-9$1,923,896$102,372$11,375iApproximate average salary by contribution assumption: employee only about $284,367 at 4% or $189,578 at 6%; with 50% employer match about $189,578 at 4% or $126,385 at 6%; with 100% employer match about $142,183 at 4% or $94,789 at 6%.
201319$1,670,155$103,629$11,514iApproximate average salary by contribution assumption: employee only about $287,858 at 4% or $191,906 at 6%; with 50% employer match about $191,906 at 4% or $127,937 at 6%; with 100% employer match about $143,929 at 4% or $95,953 at 6%.
STEPHEN J. SPENCER, D.D.S. RETIREMENT PLAN & TRUST-9$1,670,155$103,629$11,514iApproximate average salary by contribution assumption: employee only about $287,858 at 4% or $191,906 at 6%; with 50% employer match about $191,906 at 4% or $127,937 at 6%; with 100% employer match about $143,929 at 4% or $95,953 at 6%.
2012110$1,286,319$97,867$9,787iApproximate average salary by contribution assumption: employee only about $244,668 at 4% or $163,112 at 6%; with 50% employer match about $163,112 at 4% or $108,741 at 6%; with 100% employer match about $122,334 at 4% or $81,556 at 6%.
STEPHEN J. SPENCER, D.D.S. RETIREMENT PLAN & TRUST-10$1,286,319$97,867$9,787iApproximate average salary by contribution assumption: employee only about $244,668 at 4% or $163,112 at 6%; with 50% employer match about $163,112 at 4% or $108,741 at 6%; with 100% employer match about $122,334 at 4% or $81,556 at 6%.
201117$1,128,824$92,454$13,208iApproximate average salary by contribution assumption: employee only about $330,193 at 4% or $220,129 at 6%; with 50% employer match about $220,129 at 4% or $146,752 at 6%; with 100% employer match about $165,096 at 4% or $110,064 at 6%.
STEPHEN J. SPENCER, D.D.S. RETIREMENT PLAN & TRUST-7$1,128,824$92,454$13,208iApproximate average salary by contribution assumption: employee only about $330,193 at 4% or $220,129 at 6%; with 50% employer match about $220,129 at 4% or $146,752 at 6%; with 100% employer match about $165,096 at 4% or $110,064 at 6%.
201018$1,094,031$97,759$12,220iApproximate average salary by contribution assumption: employee only about $305,497 at 4% or $203,665 at 6%; with 50% employer match about $203,665 at 4% or $135,776 at 6%; with 100% employer match about $152,748 at 4% or $101,832 at 6%.
STEPHEN J. SPENCER, D.D.S. RETIREMENT PLAN & TRUST-8$1,094,031$97,759$12,220iApproximate average salary by contribution assumption: employee only about $305,497 at 4% or $203,665 at 6%; with 50% employer match about $203,665 at 4% or $135,776 at 6%; with 100% employer match about $152,748 at 4% or $101,832 at 6%.
200918$943,697$114,726$14,341iApproximate average salary by contribution assumption: employee only about $358,519 at 4% or $239,013 at 6%; with 50% employer match about $239,013 at 4% or $159,342 at 6%; with 100% employer match about $179,259 at 4% or $119,506 at 6%.
STEPHEN J. SPENCER, D.D.S. RETIREMENT PLAN & TRUST-8$943,697$114,726$14,341iApproximate average salary by contribution assumption: employee only about $358,519 at 4% or $239,013 at 6%; with 50% employer match about $239,013 at 4% or $159,342 at 6%; with 100% employer match about $179,259 at 4% or $119,506 at 6%.
200817$747,839$94,742$13,535iApproximate average salary by contribution assumption: employee only about $338,364 at 4% or $225,576 at 6%; with 50% employer match about $225,576 at 4% or $150,384 at 6%; with 100% employer match about $169,182 at 4% or $112,788 at 6%.
STEPHEN J. SPENCER, D.D.S. RETIREMENT PLAN & TRUST-7$747,839$94,742$13,535iApproximate average salary by contribution assumption: employee only about $338,364 at 4% or $225,576 at 6%; with 50% employer match about $225,576 at 4% or $150,384 at 6%; with 100% employer match about $169,182 at 4% or $112,788 at 6%.
200716$0$0-
STEPHEN J. SPENCER, D.D.S. RETIREMENT PLAN & TRUST-6---
200616$395,478$84,815$14,136iApproximate average salary by contribution assumption: employee only about $353,396 at 4% or $235,597 at 6%; with 50% employer match about $235,597 at 4% or $157,065 at 6%; with 100% employer match about $176,698 at 4% or $117,799 at 6%.
STEPHEN J. SPENCER, D.D.S. RETIREMENT PLAN & TRUST-6$395,478$84,815$14,136iApproximate average salary by contribution assumption: employee only about $353,396 at 4% or $235,597 at 6%; with 50% employer match about $235,597 at 4% or $157,065 at 6%; with 100% employer match about $176,698 at 4% or $117,799 at 6%.
200516$297,373$80,470$13,412iApproximate average salary by contribution assumption: employee only about $335,292 at 4% or $223,528 at 6%; with 50% employer match about $223,528 at 4% or $149,019 at 6%; with 100% employer match about $167,646 at 4% or $111,764 at 6%.
STEPHEN J. SPENCER, D.D.S. RETIREMENT PLAN & TRUST-6$297,373$80,470$13,412iApproximate average salary by contribution assumption: employee only about $335,292 at 4% or $223,528 at 6%; with 50% employer match about $223,528 at 4% or $149,019 at 6%; with 100% employer match about $167,646 at 4% or $111,764 at 6%.
200417$195,574$78,139$11,163iApproximate average salary by contribution assumption: employee only about $279,068 at 4% or $186,045 at 6%; with 50% employer match about $186,045 at 4% or $124,030 at 6%; with 100% employer match about $139,534 at 4% or $93,023 at 6%.
STEPHEN J. SPENCER, D.D.S. RETIREMENT PLAN & TRUST-7$195,574$78,139$11,163iApproximate average salary by contribution assumption: employee only about $279,068 at 4% or $186,045 at 6%; with 50% employer match about $186,045 at 4% or $124,030 at 6%; with 100% employer match about $139,534 at 4% or $93,023 at 6%.
200317$94,459$75,516$10,788iApproximate average salary by contribution assumption: employee only about $269,700 at 4% or $179,800 at 6%; with 50% employer match about $179,800 at 4% or $119,867 at 6%; with 100% employer match about $134,850 at 4% or $89,900 at 6%.
STEPHEN J. SPENCER, D.D.S. RETIREMENT PLAN & TRUST-7$94,459$75,516$10,788iApproximate average salary by contribution assumption: employee only about $269,700 at 4% or $179,800 at 6%; with 50% employer match about $179,800 at 4% or $119,867 at 6%; with 100% employer match about $134,850 at 4% or $89,900 at 6%.
200010$0$0-
Stephen J. Spencer, Dds Profit Sharing Plan-0---
199914$464,861$36,020$9,005iApproximate average salary by contribution assumption: employee only about $225,125 at 4% or $150,083 at 6%; with 50% employer match about $150,083 at 4% or $100,056 at 6%; with 100% employer match about $112,563 at 4% or $75,042 at 6%.
Stephen J. Spencer, Dds Profit Sharing Plan-4$464,861$36,020$9,005iApproximate average salary by contribution assumption: employee only about $225,125 at 4% or $150,083 at 6%; with 50% employer match about $150,083 at 4% or $100,056 at 6%; with 100% employer match about $112,563 at 4% or $75,042 at 6%.