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| Provider | Service type | Compensation |
|---|---|---|
SPECTRUM INVESTMENT ADVISORS7+ years Filed as: SPECTRUM INVESTMENT ADVISORS INC. Service code 27 · EIN 39-1828175 | Advisory (Plan) | $116,261 |
Service code 37 · EIN 04-2647786 | Loan Processing | $72,334 |
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $56,450 | $28,956+95.0% | $71,702-21.3% | $64,814-12.9% |
| Participation rate | 98.0% | 65.2%+32.8pp | 62.3%+35.6pp | 71.5%+26.5pp |
| Annual return | -13.11% | -7.39%-5.7pp | 9.14%-22.3pp | 32.84%-45.9pp |
| Employer contribution / active EE | $2,525 | $1,159+117.9% | $1,704+48.2% | $2,507+0.7% |
| Participant deferral / active EE | $4,413 | $2,686+64.3% | $2,658+66.0% | $4,310+2.4% |
| Admin fee / account holder | $191 | $124+53.6% | $3,974-95.2% | $188+1.7% |