How big is Spectrum Solutions, Inc.'s plan?

Spectrum Solutions, Inc.'s plan reported $11.1M in assets and 131 participants for 2023.

Original filing (PDF)20250714121406NAL0000670131001

Spectrum Solutions, Inc.

Name: Spectrum Solutions, Inc. — Spectrum Solutions, Inc., Form 5500 (2023)
Creator: Spectrum Solutions, Inc.
License: https://www.usa.gov/government-works

Form 5500

FILING_RECEIVED

Spectrum Solutions, Inc. 401(k) Plan

401(k) retirement plan · Spectrum Solutions, Inc.'s Spectrum Solutions, Inc. 401(k) Plan held $11.1M in plan assets for 131 participants in 2023, with PCS Retirement as recordkeeper.

Signals · 2

Late filing · 7.9 moSelf-directed brokerage offered

Active participants

131

Accounts w/ balance

138

Plan assets (EOY)

$11.1M

Net assets (EOY)

$11.1M

Plan identifiers

Spectrum Solutions, Inc.'s EIN is 84-4208426.

EIN 84-4208426

Plan number 001

Plan year 2023

ACK ID 20250714121406NAL0000670131001

Official Form 5500 document

Download the official 2023 Form 5500 (PDF) for Spectrum Solutions, Inc. from the U.S. Department of Labor's EFAST2 system.

Download the official 2023 Form 5500 (PDF)

Plan features

Spectrum Solutions, Inc.'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 SOLUTIONS, INC..

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How this plan invests

This plan

44 securities

funds · stocks · CUSIPs

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

Plan health score

Average plan with room to improve

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

Filed 7.9 months past the 10.5-month grace window.
Total administrative cost in the bottom quartile of peers (24th percentile).

Plan sponsor

Name

SPECTRUM SOLUTIONS, INC.

EIN

all filings

Address

114 CASTLE DRIVE · MADISON, AL · 35758

Phone

(256) 830-9759

Industry

Engineering Services· Professional & Technical Services

Plan administrator

Same as plan sponsor.

Plan characteristics

Plan number

001

Plan year

2023

Plan year begin

2023-01-01

Tax period

2023-12-31

Filed

2025-07-14

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)

Service providers (Schedule C)

2 rows

Recordkeeper

Name	EIN	Location	Relation	Direct comp	Indirect comp
PCS RETIREMENT	27-1033755	—	RECORD KEEPER	$12K	—

Advisor / Consultant

Name	EIN	Location	Relation	Direct comp	Indirect comp
FCG INVESTMENT COMPANY	84-5006323	—	INVESTMENT ADVISOR	$34K	—

Investments

44 direct securities· $11.0M(100% of reported assets)

Mutual Funds

$6.9M

23 holdings

Other securities

$2.2M

15 holdings

Common Collective Trusts

$891K

3 holdings

Self-Directed Brokerage

$786K

1 holding

Bonds / Notes

$182K

1 holding

Common Stocks

$47K

1 holding

					% of plan
American Funds Moderate Gr & Inc R-6 Mutual Fund	Mutual Funds	—	—	$1.6M	14.7%
Vanguard Developed Markets Index Admiral Mutual Fund 142 Vanguard Equity-Income Adm Mutual Fund	Mutual Funds	—	—	$1000K	9.0%
Vanguard Short-Term Investment-Grade Adm Mutual Fund	Mutual Funds	—	—	$982K	8.9%
TD Ameritrade SDBA – Matrix (Schwab PCRA) Mutual Fund	Self-Directed Brokerage	—	—	$786K	7.1%
Hartford Balanced Income R6 Mutual Fund	Other securities	—	—	$734K	6.6%
Vanguard 500 Index Admiral Mutual Fund	Common Collective Trusts	—	—	$474K	4.3%
American Funds US Government Sec R6 Mutual Fund	Mutual Funds	—	—	$459K	4.1%
American Funds 2045 Trgt Date Retire R6 Mutual Fund	Mutual Funds	—	—	$424K	3.8%
Vanguard Information Technology Idx Adm Mutual Fund	Common Collective Trusts	—	—	$347K	3.1%
Vanguard Health Care Index Admiral Mutual Fund	Mutual Funds	—	—	$306K	2.8%
Allspring Diversified Cap Bldr Adm Mutual Fund	Other securities	—	—	$303K	2.7%
American Funds 2035 Trgt Date Retire R6 Mutual Fund	Mutual Funds	—	—	$302K	2.7%
American Funds New Perspective R6 Mutual Fund	Mutual Funds	—	—	$278K	2.5%
Invesco Gold & Special Minerals Y Mutual Fund	Mutual Funds	—	—	$270K	2.4%
Fidelity Advisor Growth Opps Z Mutual Fund	Mutual Funds	—	—	$259K	2.3%
Vanguard Growth & Income Adm Mutual Fund	Mutual Funds	—	—	$253K	2.3%
Vanguard Strategic Equity Inv Mutual Fund	Mutual Funds	—	—	$207K	1.9%
PGlM High Yield R6 Mutual Fund	Other securities	—	—	$191K	1.7%
Notes receivable from participants Interest rates ranging from 4.25% to 9.50%	Bonds / Notes	—	—	$182K	1.6%
T. Rowe Price Overseas Stock Mutual Fund	Other securities	—	—	$179K	1.6%
AdvisorTrust FDIC Insured DDA Mutual Fund	Other securities	—	—	$179K	1.6%
Allspring Special Mid-Cap Value Fund R6 Mutual Fund	Other securities	—	—	$176K	1.6%
JPMorgan Large Cap Growth R6 Mutual Fund	Other securities	—	—	$154K	1.4%
Allspring Core Bond Fund R6 Mutual Fund	Other securities	—	—	$140K	1.3%
Vanguard LifeStrategy Income Inv Mutual Fund	Mutual Funds	—	—	$107K	1.0%
Vanguard Mid-Cap Index Admiral Mutual Fund	Mutual Funds	—	—	$100K	0.9%
Franklin Utilities R6 Mutual Fund	Mutual Funds	—	—	$95K	0.9%
American Century Emerging Markets R6 Mutual Fund	Other securities	—	—	$82K	0.7%
Vanguard Total Stock Mkt Idx Adm Mutual Fund	Common Collective Trusts	—	—	$69K	0.6%
Vanguard Total World Stock Index Admiral Mutual Fund	Mutual Funds	—	—	$56K	0.5%
JPMorgan US Small Company R6 Mutual Fund	Common Stocks	—	—	$47K	0.4%
American Funds 2055 Trgt Date Retire R6 Mutual Fund	Mutual Funds	—	—	$40K	0.4%
Fidelity International Growth Mutual Fund	Mutual Funds	—	—	$38K	0.3%
American Century Small Cap Value R6 Mutual Fund	Other securities	—	—	$31K	0.3%
American Funds 2030 Trgt Date Retire R6 Mutual Fund	Mutual Funds	—	—	$30K	0.3%
Dodge & Cox Balanced I Mutual Fund	Mutual Funds	—	—	$25K	0.2%
American Funds 2020 Trgt Date Retire R6 Mutual Fund	Mutual Funds	—	—	$19K	0.2%
JPMorgan Small Cap Growth R6 Mutual Fund	Other securities	—	—	$17K	0.2%
American Funds 2025 Trgt Date Retire R6 Mutual Fund	Mutual Funds	—	—	$14K	0.1%
Northern Small Cap Index Mutual Fund	Other securities	—	—	$12K	0.1%
Delaware Ivy Mid-Cap Growth R6 Mutual Fund	Other securities	—	—	$12K	0.1%
Goldman Sachs Intl Equity Income R6 Mutual Fund	Other securities	—	—	$9K	<0.1%
Vanguard Total Bond Market Index Adm Mutual Fund	Mutual Funds	—	—	$7K	<0.1%
Reliance MetLife Series 25053 Cl 0 Mutual Fund	Other securities	—	—	$5K	<0.1%