# Spectrum Retirement Communities, LLC 401(k) Plan
Source: https://planprovider.pro/companies/spectrum-retirement-communities-llc-401k-plan

> Spectrum Retirement Communities, LLC's 401(k) plan: 1,363 participants, plan year 2024 financials, providers, and benchmarks from Form 5500.

Form 5500 filing data for plan year 2024.

## Plan Snapshot

- **Plan Sponsor:** Spectrum Retirement Communities, LLC

- **Sponsor EIN:** 200110890

- **Sponsor Address:** 4600 S SYRACUSE ST 11TH FLOOR, DENVER, CO, 80237

- **Plan Type:** 401(k)

- **Total Participants:** 1,363

- **Total Assets:** $13.4M

## Key Plan Design Features

- **Auto-Enrollment:** Yes

- **Auto-Escalation:** No

- **Allows Roth Contributions:** No

- **Participant Loans:** No

- **Participant-Directed Investments:** Yes

- **ERISA Section 404(c) Fiduciary Safe Harbor:** Yes

## Plan Financials by Year

| Year|Participants|Total Assets|Employer Contrib.|Employee Contrib.|

| 2024|1,363|$13.4M|$633,018|$2.1M|

| 2023|1,381|$11.9M|$601,706|$1.9M|

| 2022|1,447|$9.7M|$562,443|$2.0M|

## Service Providers (Schedule C)

Vendors paid $5,000 or more for services to the plan, ranked by total compensation (direct + indirect fees).

| Provider Name|
Role|
Direct Compensation|
Indirect Compensation|
Total Fees|

| EMPOWER ANNUITY INSURANCE COMPANY O|RECORDKEEPER|$71,136|—|$71,136|

| MORGAN STANLEY CAPITAL MANAGEMENT I|INVESTMENT ADVISOR|$23,220|—|$23,220|

| COOK STREET CONSULTING INC|INVESTMENT ADVISOR|$22,882|—|$22,882|

| EMPOWER ADVISORY GROUP, LLC|INVESTMENT MGMT|$12,376|—|$12,376|

| CBIZ CPAS, P.C.|Auditor|—|—|$0|

## Plan Fees & Expenses

Annual service provider fees and administrative expenses sourced from DOL Form 5500 filings.

- **Total Service Provider Fees:** $129,614

- **Estimated Expense Ratio:** 0.965% of plan assets

### Historical Administrative Expenses

Breakdown of administrative expense categories reported on Form 5500 filings.

| Year|
Total Admin Expenses|
Investment Mgmt Fees|
Contract Admin Fees|
IQPA Audit Fees|
Professional Fees|

| 2024|$129,140|$58,478|—|—|—|

| 2023|$104,153|$42,863|—|—|—|

| 2022|$102,782|$49,039|$53,743|—|—|

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