Filed June 25, 2019
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| Provider | Service type | Compensation |
|---|---|---|
SPECTRUM INVESTMENT ADVISORS3 years Filed as: SPECTRUM INVESTMENT ADVISORS INC Service code 27 6329 W MEQUON RD · MEQUON, WI 53092 | Advisory (Plan) | $45,448 |
THE VANGUARD GROUP, INC.3 years Service code 15 · EIN 23-1945930 | Recordkeeping | $16,759 |
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $127,445 | $94,031+35.5% | $115,768+10.1% | $82,448+54.6% |
| Participation rate | 91.5% | 70.4%+21.1pp | 74.4%+17.1pp | 68.1%+23.4pp |
| Annual return | 14.12% | 20.61%-6.5pp | 100.46%-86.3pp | 41.64%-27.5pp |
| Employer contribution / active EE | $642 | $2,323-72.4% | $2,940-78.2% | $2,551-74.8% |
| Participant deferral / active EE | $5,758 | $3,972+45.0% | $4,917+17.1% | $4,139+39.1% |
| Admin fee / account holder | $592 | $10,249-94.2% | $12,439-95.2% | $7,234-91.8% |