Filed June 25, 2019
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| Provider | Service type | Compensation |
|---|---|---|
SPECTRUM INVESTMENT ADVISORS2 years Filed as: SPECTRUM INVESTMENT ADVISORS INC Service code 27 6329 W MEQUON RD · MEQUON, WI 53092 | Advisory (Plan) | $42,620 |
THE VANGUARD GROUP, INC.2 years Service code 15 · EIN 23-1945930 | Recordkeeping | $16,039 |
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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $110,690 | $79,753+38.8% | $105,624+4.8% | - |
| Participation rate | 89.9% | 68.4%+21.5pp | 75.3%+14.6pp | - |
| Annual return | 12.62% | 10.74%+1.9pp | 116.20%-103.6pp | - |
| Employer contribution / active EE | $658 | $2,584-74.6% | $3,168-79.2% | - |
| Participant deferral / active EE | $5,139 | $4,151+23.8% | $5,013+2.5% | - |
| Admin fee / account holder | $524 | $4,140-87.3% | $10,961-95.2% | - |