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| Provider | Service type | Compensation |
|---|---|---|
SPECTRUM INVESTMENT ADVISORS8+ years Service code 16 · EIN 39-1828175 | Consulting | $40,990 |
Service code 15 · EIN 13-3689044 | Recordkeeping | $33,681 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $73,963 | $79,181-6.6% | $102,423-27.8% | $74,429-0.6% |
| Participation rate | 97.4% | 74.8%+22.6pp | 76.5%+20.8pp | 67.2%+30.1pp |
| Annual return | 14.15% | 54.97%-40.8pp | 29.42%-15.3pp | 1368.38%-1354.2pp |
| Employer contribution / active EE | $1,462 | $2,362-38.1% | $3,023-51.6% | $2,625-44.3% |
| Participant deferral / active EE | $4,013 | $4,416-9.1% | $5,054-20.6% | $4,348-7.7% |
| Admin fee / account holder | $380 | $2,002-81.0% | $9,455-96.0% | $1,944-80.5% |