Filed March 15, 1999 (most recent of 3 filings on file)
This is a legacy paper filing. Plan administrator and contact details are recorded in the original filing, which has not been digitised into structured fields.
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 10-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 |
|---|---|---|
Filed as: SPECTRUM INVESTMENT ADVISORS INC Service code 27 · EIN 39-1828175 | Advisory (Plan) | $28,867 |
Service code 37 · EIN 04-2647786 | Loan Processing | $9,245 |
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.)
The auditor signed off without reservation. This is the cleanest opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $102,089 | $91,407+11.7% | $135,903-24.9% | $71,457+42.9% |
| Participation rate | 94.3% | 75.7%+18.6pp | 81.9%+12.4pp | 67.9%+26.4pp |
| Annual return | 18.60% | 29.90%-11.3pp | 68.23%-49.6pp | 28.85%-10.3pp |
| Employer contribution / active EE | $430 | $3,703-88.4% | $4,856-91.1% | $2,588-83.4% |
| Participant deferral / active EE | $7,850 | $7,092+10.7% | $7,758+1.2% | $4,289+83.0% |
| Admin fee / account holder | $312 | $1,266-75.4% | $10,762-97.1% | $1,587-80.4% |