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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 | $79,223-6.6% | $102,460-27.8% | $74,478-0.7% |
| Participation rate | 97.4% | 74.8%+22.6pp | 76.5%+20.8pp | 67.2%+30.1pp |
| Annual return | 14.15% | 54.98%-40.8pp | 29.47%-15.3pp | 1370.56%-1356.4pp |
| Employer contribution / active EE | $1,462 | $2,363-38.1% | $3,025-51.7% | $2,626-44.3% |
| Participant deferral / active EE | $4,013 | $4,417-9.2% | $5,056-20.6% | $4,350-7.8% |
| Admin fee / account holder | $380 | $2,003-81.0% | $9,460-96.0% | $1,946-80.5% |