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| Provider | Service type | Compensation |
|---|---|---|
SPECTRUM INVESTMENT ADVISORS9 years Service code 16 · EIN 39-1828175 | Consulting | $52,482 |
Service code 15 · EIN 13-3689044 | Recordkeeping | $20,420 |
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 | $120,175 | $79,181+51.8% | $102,423+17.3% | $74,429+61.5% |
| Participation rate | 92.2% | 74.8%+17.4pp | 76.5%+15.7pp | 67.2%+25.0pp |
| Annual return | 11.78% | 54.97%-43.2pp | 29.42%-17.6pp | 1368.38%-1356.6pp |
| Employer contribution / active EE | $1,422 | $2,362-39.8% | $3,023-52.9% | $2,625-45.8% |
| Participant deferral / active EE | $8,258 | $4,416+87.0% | $5,054+63.4% | $4,348+89.9% |
| Admin fee / account holder | $430 | $2,002-78.5% | $9,455-95.5% | $1,944-77.9% |