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| Provider | Service type | Compensation |
|---|---|---|
SPECTRUM INVESTMENT ADVISORS7+ years Service code 16 · EIN 39-1828175 | Consulting | $34,448 |
Service code 15 · EIN 13-3689044 | Recordkeeping | $26,748 |
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 | $64,621 | $76,112-15.1% | $96,544-33.1% | $71,529-9.7% |
| Participation rate | 96.4% | 74.4%+22.0pp | 76.0%+20.4pp | 67.9%+28.5pp |
| Annual return | 18.64% | 22.80%-4.2pp | 25.88%-7.2pp | 28.97%-10.3pp |
| Employer contribution / active EE | $1,195 | $2,248-46.8% | $2,966-59.7% | $2,590-53.8% |
| Participant deferral / active EE | $3,522 | $4,217-16.5% | $4,851-27.4% | $4,291-17.9% |
| Admin fee / account holder | $309 | $2,708-88.6% | $8,254-96.3% | $1,588-80.5% |