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| Provider | Service type | Compensation |
|---|---|---|
Filed as: SPECTRUM INVESTMENT ADVISORS, INC. Service code 27 · EIN 39-1828175 | Advisory (Plan) | $110,377 |
Service code 37 · EIN 04-2647786 | Loan Processing | -$23,975 |
Annual investment return is in the bottom quintile of the peer cohort.
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $68,728 | $33,826+103.2% | $88,538-22.4% | $67,579+1.7% |
| Participation rate | 98.9% | 64.6%+34.3pp | 68.7%+30.1pp | 71.3%+27.6pp |
| Annual return | 18.92% | 68.24%-49.3pp | 43.64%-24.7pp | 378.56%-359.6pp |
| Employer contribution / active EE | $2,674 | $1,232+117.1% | $2,098+27.5% | $2,148+24.5% |
| Participant deferral / active EE | $3,983 | $2,089+90.7% | $2,914+36.7% | $3,539+12.5% |
| Admin fee / account holder | $98 | $134-27.0% | $4,310-97.7% | $142-31.4% |