How big is Spectrum Retirement Communities, LLC's plan?

Spectrum Retirement Communities, LLC's plan reported $13.4M in assets and 1,363 participants for 2024.

Original filing (PDF)20251015165430NAL0005467649001

Spectrum Retirement Communities, LLC

Name: Spectrum Retirement Communities, LLC — Spectrum, Form 5500 (2024)
Creator: Spectrum Retirement Communities, LLC
License: https://www.usa.gov/government-works

Form 5500

FILING_RECEIVED

Spectrum Retirement Communities 401(k) Plan

401(k) retirement plan · Spectrum Retirement Communities, LLC's Spectrum Retirement Communities 401(k) Plan held $13.4M in plan assets for 1,363 participants in 2024, with Empower as recordkeeper.

Signals · 2

Corrective distributions issued~96 bps in Sched C fees

Active participants

1,363

Accounts w/ balance

585

Plan assets (EOY)

$13.4M

Net assets (EOY)

$13.4M

People on this filing

Kristen Naughton signed Spectrum Retirement Communities, LLC's 2024 Form 5500 as plan administrator.

Kristen Naughton — Plan Administrator — Form 5500 signer

Get verified email & phone for these signers

Signer names are public record from the Form 5500 e-signature.

Plan identifiers

Spectrum Retirement Communities, LLC's EIN is 20-0110890.

EIN 20-0110890

Plan number 002

Plan year 2024

ACK ID 20251015165430NAL0005467649001

Official Form 5500 document

Download the official 2024 Form 5500 (PDF) for Spectrum Retirement Communities, LLC from the U.S. Department of Labor's EFAST2 system.

Download the official 2024 Form 5500 (PDF)

Plan features

Spectrum Retirement Communities, LLC's plan includes profit-sharing, ERISA 404(c) participant direction, a 401(k) feature, a default investment (QDIA).

Decision-maker contacts

One unlock reveals every key decision-maker — plan signer, CFO, HR & Benefits — with verified email + LinkedIn for SPECTRUM RETIREMENT COMMUNITIES, LLC.

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How this plan invests

This plan

27 securities

funds · stocks · CUSIPs

Holdings are itemized directly on this plan's Schedule of Assets, below.

Plan health score

Below-average — multiple flags

Directional indicator from public Form 5500 data — compliance & integrity, total plan cost, participant health and vendor stack, benchmarked against same-size peers. Not a fiduciary tool.

Compliance & integrity

Total plan cost

Plan health

Vendor & structure

100

Knocking points off

Corrective distributions issued (likely failed ADP/ACP testing).
Total administrative cost in the bottom quartile of peers (5th percentile).
Low account-holder ratio — balance-holders per active participant in the bottom quartile of peers (4th percentile).
Bottom-decile employer contributions per participant (9th percentile).

Plan sponsor

Name

SPECTRUM RETIREMENT COMMUNITIES, LLC

EIN

all filings

Address

4600 S SYRACUSE ST 11TH FLOOR · DENVER, CO · 80237

Phone

(303) 360-8812

Industry

Health Care & Social Assistance

Plan administrator

Same as plan sponsor.

Plan characteristics

Plan number

002

Plan year

2024

Plan year begin

2024-01-01

Tax period

2024-12-31

Filed

2025-10-15

Pension benefit codes

2E · Profit-sharing

2F · ERISA section 404(c)

2G · Total participant-directed accounts

2J · 401(k) feature

2K · 401(m) arrangement

2T · Default investment account (QDIA)

3D · Pre-approved plan (master / prototype / VS)

3H · Sponsor in controlled / affiliated group

Service providers (Schedule C)

4 rows

Recordkeeper

Name	EIN	Location	Relation	Direct comp	Indirect comp
EMPOWER ANNUITY INSURANCE COMPANY O	—	GREENWOOD VILLAGE, CO	RECORDKEEPER	$71K	—
EMPOWER ADVISORY GROUP, LLC	—	GREENWOOD VILLAGE, CO	INVESTMENT MGMT	$12K	—

Advisor / Consultant

Name	EIN	Location	Relation	Direct comp	Indirect comp

Investments

27 direct securities· $13.2M(98% of reported assets)

Mutual Funds

$7.9M

17 holdings

Common Collective Trusts

$4.3M

7 holdings

Other securities

$778K

2 holdings

Common Stocks

$109K

1 holding

					% of plan
Fidelity 500 Index Fund Mutual fund	Common Collective Trusts	—	—	$2.8M	20.9%
American Funds 2035 Target Date Retirement Fund® Class R-6 Mutual fund	Mutual Funds	—	—	$1.2M	8.8%
American Funds 2045 Target Date Retirement Fund® Class R-6 Mutual fund	Mutual Funds	—	—	$852K	6.3%
American Funds 2050 Target Date Retirement Fund® Class R-6 Mutual fund	Mutual Funds	—	—	$815K	6.1%
American Funds 2030 Target Date Retirement Fund® Class R-6 Mutual fund	Mutual Funds	—	—	$793K	5.9%
MFS Value Fund Class R4 Mutual fund	Mutual Funds	—	—	$703K	5.2%
American Funds 2040 Target Date Retirement Fund® Class R-6 Mutual fund	Mutual Funds	—	—	$660K	4.9%
Fidelity Total International Index Fund Mutual fund	Common Collective Trusts	—	—	$645K	4.8%
Janus Henderson Forty Fund Class I Mutual fund	Mutual Funds	—	—	$638K	4.8%
Hood River Small-Cap Growth Fund Class Institutional Mutual fund	Other securities	—	—	$464K	3.5%
American Funds EUPAC Fund Class R-6 Mutual fund	Mutual Funds	—	—	$438K	3.3%
Vanguard Treasury Money Market Fund Mutual fund	Mutual Funds	—	—	$369K	2.7%
American Funds 2055 Target Date Retirement Fund® Class R-6 Mutual fund	Mutual Funds	—	—	$364K	2.7%
JPMorgan Core Bond Fund Class R6 Mutual fund	Other securities	—	—	$314K	2.3%
Fidelity Extended Market Index Fund Mutual fund	Common Collective Trusts	—	—	$296K	2.2%
American Funds 2020 Target Date Retirement Fund® Class R-6 Mutual fund	Mutual Funds	—	—	$269K	2.0%
American Funds 2025 Target Date Retirement Fund® Class R-6 Mutual fund	Mutual Funds	—	—	$261K	1.9%
American Funds 2060 Target Date Retirement Fund® Class R-6 Mutual fund	Mutual Funds	—	—	$226K	1.7%
Fidelity U.S. Bond Index Fund Mutual fund	Common Collective Trusts	—	—	$201K	1.5%
DFA Global Real Estate Securities Portfolio Mutual fund	Mutual Funds	—	—	$188K	1.4%
Fidelity Inflation-Protected Bond Index Fund Mutual fund	Common Collective Trusts	—	—	$187K	1.4%
Fidelity Short-Term Bond Index Fund Mutual fund	Common Collective Trusts	—	—	$169K	1.3%
Victory Sycamore Small Company Opportunity Fund Class I Mutual fund	Common Stocks	—	—	$109K	0.8%
American Funds 2065 Target Date Retirement Fund® Class R-6 Mutual fund	Mutual Funds	—	—	$72K	0.5%
American Funds 2015 Target Date Retirement Fund® Class R-6 Mutual fund	Mutual Funds	—	—	$53K	0.4%
PIMCO High Yield Fund Institutional Class Mutual fund	Mutual Funds	—	—	$47K	0.4%
Vanguard Total International Bond Index Fund Admiral™ Shares Mutual fund	Common Collective Trusts	—	—	$28K	0.2%