See peer percentile detail. $4.99 for your first month.
Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.
See the 9-year trajectory. $4.99 for your first month.
Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.
| Provider | Service type | Compensation |
|---|---|---|
SPECTRUM INVESTMENT ADVISORS5+ years Service code 16 · EIN 39-1828175 | Consulting | $38,582 |
Service code 15 · EIN 13-3689044 | Recordkeeping | $26,024 |
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Plan reported corrective distributions (failed ADP/ACP testing).
The auditor signed off without reservation. This is the cleanest opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $66,330 | $84,936-21.9% | $111,297-40.4% | $79,386-16.4% |
| Participation rate | 92.4% | 75.9%+16.6pp | 77.3%+15.1pp | 70.7%+21.7pp |
| Annual return | 14.83% | 17.45%-2.6pp | 54.65%-39.8pp | 116.85%-102.0pp |
| Employer contribution / active EE | $487 | $1,979-75.4% | $2,731-82.2% | $2,427-80.0% |
| Participant deferral / active EE | $2,527 | $3,888-35.0% | $4,487-43.7% | $4,046-37.5% |
| Admin fee / account holder | $309 | $537-42.5% | $7,964-96.1% | $626-50.7% |