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| Provider | Service type | Compensation |
|---|---|---|
Filed as: SPECTRUM INVESTMENT ADVISORS INC. Service code 16 · EIN 39-1828175 | Consulting | $50,193 |
TRANSAMERICA RETIREMENT SOLUTIONS10+ years Service code 15 · EIN 13-3689044 | Recordkeeping | $20,890 |
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 | $134,202 | $85,515+56.9% | $112,040+19.8% | $67,986+97.4% |
| Participation rate | 91.5% | 68.2%+23.3pp | 76.5%+15.0pp | 57.2%+34.3pp |
| Annual return | 17.43% | 29.68%-12.3pp | 24.52%-7.1pp | 31.67%-14.2pp |
| Employer contribution / active EE | $2,166 | $2,191-1.2% | $2,954-26.7% | $2,019+7.3% |
| Participant deferral / active EE | $8,227 | $4,014+105.0% | $5,098+61.4% | $3,358+145.0% |
| Admin fee / account holder | $402 | $3,774-89.4% | $12,098-96.7% | $3,203-87.5% |