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Original filing (PDF)20250925172104NAL0003667059001
SPECTRIO, LLC
Form 5500
FILING_RECEIVED
SPECTRIO, LLC 401(K) PLAN
401(k) retirement plan
Active participants
347
Accounts w/ balance
263
Plan assets (EOY)
$9.7M
Net assets (EOY)
$9.7M
How this plan invests
This plan
33 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
95
/ 100
Grade A
Top-tier plan health
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
100
Concentration risk
100
Total plan cost
80
Vendor stack
100
Participation health
100
Knocking points off
- 69 bps in Schedule C fees — modestly above peer band of 52 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for SPECTRIO, LLC.
Plan sponsor
Name
SPECTRIO, LLC
EIN
37-1423708
Address
7624 BALD CYPRESS PL · TAMPA, FL · 33614
Phone
(727) 787-2440
Industry
Professional & Technical Servicessee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
003
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-09-25
Pension benefit codes
2A · Age/service weighted or new comparability
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)
3B · Covers self-employed individuals
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
ASSURANCE DIMENSIONS, LLC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
4 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE COMPANY | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $26K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| GLOBAL RETIREMENT PARTNERS LLC | — | SAN RAFAEL, CA | INVESTMENT ADVISOR | $22K | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PPS PENSION & FINANCIAL SERVICES | — | WILLIAMSVILLE, NY | CONTRACT ADMIN | $11K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ADVISORY GROUP, LLC | — | GREENWOOD VILLAGE, CO | INVESTMENT MGMT | $9K | — |
Investments
33 direct securities· $9.7M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| FIDELITY 500 INDEX | — | — | — | $1.3M | 13.3% | |
| AMERICAN FUNDS 2035 TRGT DATE RETIRE R6 | — | — | — | $956K | 9.9% | |
| AMERICAN FUNDS 2050 TRGT DATE RETIRE R6 | — | — | — | $950K | 9.8% | |
| AMERICAN FUNDS 2055 TRGT DATE RETIRE R6 | — | — | — | $879K | 9.1% | |
| AMERICAN FUNDS 2040 TRGT DATE RETIRE R6 | — | — | — | $552K | 5.7% | |
| AMERICAN FUNDS 2030 TRGT DATE RETIRE R6 | — | — | — | $540K | 5.6% | |
| AMERICAN FUNDS 2045 TRGT DATE RETIRE R6 | — | — | — | $523K | 5.4% | |
| DFA LARGE CAP INTERNATIONAL I | — | — | — | $498K | 5.1% | |
| MFS TOTAL RETURN BOND R6 | — | — | — | $395K | 4.1% | |
| FIDELITY MID CAP INDEX | — | — | — | $379K | 3.9% | |
| AMERICAN FUNDS 2025 TRGT DATE RETIRE R6 | — | — | — | $363K | 3.7% | |
| EMPOWER CON PROFILE FUND INST | — | — | — | $308K | 3.2% | |
| GUARANTEED INTEREST FUND | — | — | — | $289K | 3.0% | |
| JPMORGAN INVESTOR GROWTH R6 | — | — | — | $263K | 2.7% | |
| FIDELITY ADVISOR EQUITY GROWTH Z | — | — | — | $244K | 2.5% | |
| PGIM JENNISON GLOBAL OPPS R6 | — | — | — | $156K | 1.6% | |
| AMERICAN FUNDS AMERICAN BALANCED R6 | — | — | — | $143K | 1.5% | |
| MFS INTERNATIONAL GROWTH R6 | — | — | — | $131K | 1.3% | |
| AMERICAN FUNDS 2060 TRGT DATE RETIRE R6 | — | — | — | $128K | 1.3% | |
| Notes receivable from participants (3.25%-8.50%) | — | — | — | $127K | 1.3% | |
| MASSMUTUAL SMALL CAP OPPORTUN I | — | — | — | $92K | 1.0% | |
| PIMCO INCOME INSTL | — | — | — | $87K | 0.9% | |
| AMERICAN CENTURY SMALL CAP GROWTH R6 | — | — | — | $86K | 0.9% | |
| PUTNAM LARGE CAP VALUE R6 | — | — | — | $81K | 0.8% | |
| VIRTUS DUFF & PHELPS REAL ESTATE SEC R6 | — | — | — | $81K | 0.8% | |
| JPMORGAN MID CAP GROWTH R6 | — | — | — | $36K | 0.4% | |
| PIMCO RAE PLUS SMALL INSTL | — | — | — | $33K | 0.3% | |
| BLACKROCK HIGH YIELD BOND PORTFOLIO K | — | — | — | $30K | 0.3% | |
| AMERICAN CENTURY MID CAP VALUE R6 | — | — | — | $23K | 0.2% | |
| PIMCO INT BOND (USD-HEDGED) INSTL | — | — | — | $16K | 0.2% | |
| AMERICAN FUNDS 2015 TRGT DATE RETIRE R6 | — | — | — | $11K | 0.1% | |
| AMERICAN FUNDS 2020 TRGT DATE RETIRE R6 | — | — | — | $2K | <0.1% | |
| PUTNAM INTERNATIONAL VALUE R6 | — | — | — | $1K | <0.1% |
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