Filed February 12, 2018 (most recent of 2 filings on file)
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| Provider | Service type | Compensation |
|---|---|---|
SPECTRUM INVESTMENT ADVISORS8 years Filed as: SPECTRUM INVESTMENT ADVISORS INC Service code 27 · EIN 39-1828175 | Advisory (Plan) | $46,757 |
Service code 64 · EIN 04-2647786 | Recordkeeping Fees | $33,612 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $113,187 | $104,919+7.9% | $116,228-2.6% | $85,563+32.3% |
| Participation rate | 58.2% | 78.6%-20.4pp | 74.6%-16.3pp | 66.0%-7.8pp |
| Annual return | 19.84% | 15.38%+4.5pp | 90.06%-70.2pp | 31.51%-11.7pp |
| Employer contribution / active EE | $2,706 | $3,485-22.4% | $2,994-9.6% | $2,654+2.0% |
| Participant deferral / active EE | $5,072 | $5,306-4.4% | $4,953+2.4% | $4,375+15.9% |
| Admin fee / account holder | $442 | $429+3.1% | $11,989-96.3% | $834-47.1% |