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Original filing (PDF)20251015085117NAL0002125923001
SPECTRUM SOLUTIONS, INC.
Form 5500
FILING_RECEIVED
SPECTRUM SOLUTIONS, INC. 401(K) PLAN
401(k) retirement plan
Active participants
167
Accounts w/ balance
165
Plan assets (EOY)
$12.3M
Net assets (EOY)
$12.3M
How this plan invests
This plan
43 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
91
/ 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
65
Vendor stack
100
Participation health
100
Knocking points off
- 44 bps in Schedule C fees — 51% above peer band of 29 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for SPECTRUM SOLUTIONS, INC..
Plan sponsor
Name
SPECTRUM SOLUTIONS, INC.
EIN
63-1277338
Address
114 CASTLE DRIVE · MADISON, AL · 35758
Phone
(256) 830-9759
Industry
Engineering Services· Professional & Technical Servicessee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
001
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)
Audit & trust (Schedule H)
Auditor
WARREN AVERETT
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PCS RETIREMENT | 27-1033755 | — | RECORD KEEPER | $13K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| FCG INVESTMENT COMPANY | 84-5006323 | — | INVESTMENT ADVISOR | $41K | — |
Investments
43 direct securities· $12.3M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| American Funds Moderate Gr & Inc R-6 Mutual Fund | — | — | — | $1.8M | 14.4% | |
| Vanguard Developed Markets Index Admiral Mutual Fund 289 Vanguard Equity-Income Adm Mutual Fund | — | — | — | $1.3M | 10.2% | |
| Hartford Balanced Income R6 Mutual Fund | — | — | — | $964K | 7.8% | |
| Self-Directed Brokerage Account Money Market Fund | — | — | — | $866K | 7.0% | |
| Vanguard Short-Term Investment-Grade Adm Mutual Fund | — | — | — | $713K | 5.8% | |
| American Funds 2045 Trgt Date Retire R6 Mutual Fund | — | — | — | $649K | 5.3% | |
| American Funds US Government Sec R6 Mutual Fund | — | — | — | $578K | 4.7% | |
| Vanguard 500 Index Admiral Mutual Fund | — | — | — | $489K | 4.0% | |
| Fidelity Advisor Growth Opps Z Mutual Fund | — | — | — | $464K | 3.8% | |
| Vanguard Growth & Income Adm Mutual Fund | — | — | — | $360K | 2.9% | |
| American Funds 2035 Trgt Date Retire R6 Mutual Fund | — | — | — | $327K | 2.7% | |
| Vanguard Health Care Index Admiral Mutual Fund | — | — | — | $326K | 2.7% | |
| American Funds New Perspective R6 Mutual Fund | — | — | — | $324K | 2.6% | |
| Vanguard Information Technology Idx Adm Mutual Fund | — | — | — | $304K | 2.5% | |
| Franklin Utilities R6 Mutual Fund | — | — | — | $236K | 1.9% | |
| JPMorgan Large Cap Growth R6 Mutual Fund | — | — | — | $221K | 1.8% | |
| Vanguard Strategic Equity Inv Mutual Fund | — | — | — | $217K | 1.8% | |
| Invesco Gold & Special Minerals Y Mutual Fund | — | — | — | $214K | 1.7% | |
| PGlM High Yield R6 Mutual Fund | — | — | — | $209K | 1.7% | |
| Allspring Special Mid-Cap Value Fund R6 Mutual Fund | — | — | — | $181K | 1.5% | |
| T. Rowe Price Overseas Stock Mutual Fund | — | — | — | $178K | 1.5% | |
| Notes receivable from participants Interest rates ranging from 4.25% to 9.50% | — | — | — | $162K | 1.3% | |
| Vanguard Total Stock Mkt Idx Adm Mutual Fund | — | — | — | $162K | 1.3% | |
| Allspring Core Bond Fund R6 Mutual Fund | — | — | — | $145K | 1.2% | |
| AdvisorTrust FDIC Insured DDA Money Market Fund | — | — | — | $141K | 1.1% | |
| Vanguard Mid-Cap Index Admiral Mutual Fund | — | — | — | $129K | 1.1% | |
| Vanguard LifeStrategy Income Inv Mutual Fund | — | — | — | $120K | 1.0% | |
| Vanguard Total World Stock Index Admiral Mutual Fund | — | — | — | $106K | 0.9% | |
| American Century Emerging Markets R6 Mutual Fund | — | — | — | $101K | 0.8% | |
| Allspring Diversified Cap Bldr Adm Mutual Fund | — | — | — | $94K | 0.8% | |
| Fidelity International Growth Mutual Fund | — | — | — | $47K | 0.4% | |
| JPMorgan US Small Company R6 Mutual Fund | — | — | — | $46K | 0.4% | |
| American Funds 2020 Trgt Date Retire R6 Mutual Fund 30 American Funds 2025 Trgt Date Retire R6 Mutual Fund 362 American Funds 2030 Trgt Date Retire R6 Mutual Fund | — | — | — | $45K | 0.4% | |
| Fidelity Real Estate Investment Port Mutual Fund | — | — | — | $40K | 0.3% | |
| American Century Small Cap Value R6 Mutual Fund | — | — | — | $31K | 0.3% | |
| Vanguard Total Bond Market Index Adm Mutual Fund | — | — | — | $28K | 0.2% | |
| JPMorgan Small Cap Growth R6 Mutual Fund | — | — | — | $22K | 0.2% | |
| Northern Small Cap Index Mutual Fund | — | — | — | $14K | 0.1% | |
| American Funds 2055 Trgt Date Retire R6 Mutual Fund | — | — | — | $9K | <0.1% | |
| Reliance MetLife Series 25053 Cl 0 Mutual Fund | — | — | — | $8K | <0.1% | |
| Dodge & Cox Balanced I Mutual Fund | — | — | — | $6K | <0.1% | |
| Goldman Sachs Intl Equity Income R6 Mutual Fund | — | — | — | $4K | <0.1% | |
| Macquarie Mid Cap Growth R6 Mutual Fund | — | — | — | $2K | <0.1% |
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