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| Provider | Service type | Compensation |
|---|---|---|
SPECTRUM INVESTMENT ADVISORS8 years Service code 16 · EIN 39-1828175 | Consulting | $43,920 |
Service code 15 · EIN 13-3689044 | Recordkeeping | $14,644 |
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 | $107,661 | $76,112+41.5% | $96,544+11.5% | $71,529+50.5% |
| Participation rate | 93.5% | 74.4%+19.1pp | 76.0%+17.6pp | 67.9%+25.6pp |
| Annual return | 19.14% | 22.80%-3.7pp | 25.88%-6.7pp | 28.97%-9.8pp |
| Employer contribution / active EE | $1,341 | $2,248-40.3% | $2,966-54.8% | $2,590-48.2% |
| Participant deferral / active EE | $7,413 | $4,217+75.8% | $4,851+52.8% | $4,291+72.7% |
| Admin fee / account holder | $335 | $2,708-87.6% | $8,254-95.9% | $1,588-78.9% |