spconsultants.com
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40.118.235.113
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Submitted URL: https://spectrumpension.com/
Effective URL: https://spconsultants.com/pension
Submission: On July 31 via automatic, source certstream-suspicious — Scanned from DE
Effective URL: https://spconsultants.com/pension
Submission: On July 31 via automatic, source certstream-suspicious — Scanned from DE
Form analysis 1 forms found in the DOM
POST /pension
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<nav class="nav-main mega-menu ddrmenu">
<ul class="nav nav-pills nav-main" id="mainMenu">
<li data-col="" class="dropdown active dropdown-full-color dropdown-primary"><a href="https://spconsultants.com/" class="dropdown-toggle">Home<i class="fas fa-caret-down"></i></a>
<ul class="dropdown-menu">
<li><a href="https://spconsultants.com/">Spectrum Consultants</a></li>
<li class="active"><a href="https://spconsultants.com/pension">Spectrum Pension Consultants</a></li>
</ul>
</li>
<li data-col="" class="dropdown dropdown-full-color dropdown-primary"><a href="https://spconsultants.com/services" class="dropdown-toggle">Services<i class="fas fa-caret-down"></i></a>
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<li><a href="https://spconsultants.com/services/401k-dc-plan-recordkeeping">401k/DC Plan Recordkeeping</a></li>
<li><a href="https://spconsultants.com/services/compass">Compass</a></li>
<li><a href="https://spconsultants.com/services/consulting">Consulting</a></li>
<li><a href="https://spconsultants.com/services/on-site-plan-education">On-Site Plan Education</a></li>
<li><a href="https://spconsultants.com/services/payroll360">Payroll360</a></li>
<li><a href="https://spconsultants.com/services/plan-intelligence">Plan Intelligence</a></li>
<li><a href="https://spconsultants.com/services/retirement-plan-administration">Retirement Plan Administration</a></li>
<li><a href="https://spconsultants.com/services/plan-sponsor-services">Plan Sponsor Services</a></li>
<li><a href="https://spconsultants.com/services/request-proposal">Request Proposal</a></li>
</ul>
</li>
<li data-col="" class="dropdown dropdown-full-color dropdown-primary"><a href="https://spconsultants.com/solutions" class="dropdown-toggle">Solutions<i class="fas fa-caret-down"></i></a>
<ul class="dropdown-menu">
<li><a href="https://spconsultants.com/solutions/spectrum-finwell">Spectrum FinWell</a></li>
<li><a href="https://spconsultants.com/solutions/spectrumplan">SpectrumPlan</a></li>
<li><a href="https://spconsultants.com/solutions/spectrum-platform">Spectrum Platform</a></li>
<li><a href="https://spconsultants.com/services/retirement-plan-administration">Spectrum TPA</a></li>
</ul>
</li>
<li data-col="" class="dropdown dropdown-full-color dropdown-primary"><a href="https://spconsultants.com/resources" class="dropdown-toggle">Resources<i class="fas fa-caret-down"></i></a>
<ul class="dropdown-menu">
<li><a href="https://spconsultants.com/resources/employer-connect-videos">Employer Connect Videos</a></li>
<li><a href="https://spconsultants.com/resources/knowledgebase">Knowledgebase</a></li>
<li><a href="http://www.spconsultants.com/resources/erisa-workplace-retirement-plan-limits">Plan Limits</a></li>
</ul>
</li>
<li data-col="" class="dropdown dropdown-full-color dropdown-primary"><a href="https://spconsultants.com/company" class="dropdown-toggle">Company<i class="fas fa-caret-down"></i></a>
<ul class="dropdown-menu">
<li><a href="https://spconsultants.com/company/careers">Careers</a></li>
<li><a href="https://spconsultants.com/company/contact">Contact</a></li>
<li><a href="https://spconsultants.com/company/giving-back">Giving Back</a></li>
<li><a href="https://spconsultants.com/company/partners">Partners</a></li>
</ul>
</li>
<li data-col="" class=" dropdown-full-color dropdown-primary"><a href="https://www.myplanprovider.com/spectrum">My Account</a></li>
</ul>
</nav>
</div>
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<div class="social-icons">
<ul class="social-icons new">
<li class="facebook"><a href="https://www.facebook.com/Spectrum-Pension-Consultants-Inc-56179258858/" target="_blank" title="Facebook">Facebook Icon</a></li>
<li class="linkedin"><a href="https://www.linkedin.com/company/spectrum-pension-consultants-inc." target="_blank" title="Linkedin">Linkedin Icon</a></li>
<li class="twitter"><a href="http://www.twitter.com/SpectrumB2B" target="_blank" title="Twitter">Twitter Icon</a></li>
</ul>
</div>
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data-ls="offsetxin: 0; offsetyin: -100; delayin: 1000; ">Tacoma's <strong>oldest</strong> and <strong>most trusted</strong>
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data-ls="offsetxin: 0; offsetxout: 0; offsetyin: -100; delayin: 1000; "> retirement plan consulting firm</h1>
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data-ls="offsetxin: 0; offsetxout: 0; offsetyin: 100; delayin: 2000; ">Established 1978</h1>
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data-ls="offsetxin: 0; offsetxout: 0; offsetyin: 100; delayin: 1000; ">The most <b>customizable</b> workplace retirement plan</h1><img alt="Image Alt Text" class="ls-l ls-preloaded"
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data-ls="offsetxin: 0; offsetyin: -100; delayin: 1000; ">Spectrum's <strong>industry leading</strong></h1>
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data-ls="offsetxin: 0; offsetyin: -100; delayin: 1000; ">401(k) plan platform...</h1>
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data-ls="offsetxin: 0; offsetxout: 0; delayin: 1500; ">Delivers a personalized experience</div>
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data-ls="offsetxin: 0; offsetxout: 0; delayin: 2000; ">Enhances participant engagement</div>
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data-ls="offsetxin: 0; offsetxout: 0; delayin: 2500; ">Offers complete transparency</div>
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data-ls="offsetxin: 0; offsetxout: 0; delayin: 3000; ">Improves participant outcomes</div>
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data-ls="offsetxin: 0; offsetxout: 0; offsetyin: -100; delayin: 500; ">Spectrum FinWell</h1>
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data-ls="offsetxin: 0; offsetxout: 0; offsetyin: 100; delayin: 1500; ">A <b>nationally recognized</b></h1>
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data-ls="offsetxin: 0; offsetyin: 100; delayin: 1500; ">workplace financial wellness program</h1>
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<p>Not sure what is the best <em>retirement</em> <em>plan</em> solution for your organization? <span>Spectrum's Plan Analysis App can make a recommendation.</span></p>
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<div class="get-started"><a class="btn btn-lg btn-secondary" href="/resources/plan-analysis" style="border-radius: 0px;">Help Me Choose!</a>
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<h1 class="mb-sm word-rotator-title">Spectrum's <strong class="inverted"> <span class="word-rotate active" data-plugin-options="{'delay': 2000, 'animDelay': 300}"> <span class="word-rotate-items"
style="width: 297.828px; top: -92px;"> <span>expert people</span> <span>intelligent process</span> <span>leading technology</span> <span>expert people</span></span> </span> </strong> lead to proven client outcomes</h1>
<h4>Learn why plan sponsors entrust Spectrum with over <strong>$1.85 Billion</strong> in Assets Under Administration</h4>
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<h4>Expert People</h4>
<p>Spectrum requires its plan services consultants to earn <strong>professional qualifications</strong> as conditions of continuing employment, so our Clients work with <strong>skilled professionals</strong>.</p>
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<h4>Intelligent Process</h4>
<p>We engage external auditors to audit our processes annually to ensure they provide <strong>appropriate internal controls</strong>.</p>
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<h4>Leading Technology</h4>
<p>Spectrum administers plans on an industry leading technology platform, which provides Plan Sponsors and Plan Participants with <strong>advanced analytics, tools, and resources.</strong></p>
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<h2 class="text-light"><strong>Who</strong> We Are</h2>
<p class="text-light">Spectrum Pension Consultants delivers products, services, and solutions which support 401k and other employer-sponsored retirement plans. Our capabilities focus on retirement plan administration,
consulting, documentation, and recordkeeping. Headquartered 30 miles south of Seattle in Tacoma, Washington, Spectrum Pension Consultants has worked for thousands of employer organizations since its founding in 1978.
Today, our diverse client roster covers every industry vertical, and spans nearly every state in the country.</p>
<a class="btn btn-secondary mt-lg mb-sm" href="/company" style="border-radius: 0px;">View More</a>
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<h2 class="mb-xs">Our <strong>Stats</strong></h2>
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<div class="counter text-color-light"><strong data-append="+" data-to="55000">0</strong> <label>Participants Served</label></div>
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<div class="counter text-color-light"><strong data-append="+" data-to="750">0</strong> <label>Plans Administered</label></div>
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<div class="counter text-color-light"><strong data-to="42">0</strong> <label>Years in Business</label></div>
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<h2 class="mt-xl mb-none">Capabilities and <strong>Expertise</strong></h2>
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<h2 class="mb-lg">Actuarial</h2>
<p>Spectrum’s service syndicate through Alliance Benefit Group, provides nationally recognized enrolled actuaries to manage the actuarial valuations of cash balance and traditional defined benefit pension plans.
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<h2 class="mb-lg">Administration</h2>
<p>Plan administration and ERISA compliance are challenges for many HR professionals. We can handle all plan compliance matters for employers. Our staff are ERISA plan experts and required to earn professional
qualifications to demonstrate their competencies.</p>
<a href="/services/retirement-plan-administration"><button class="btn btn-3d btn-primary btn-xs" type="button">Learn More</button> </a>
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<h2 class="mb-lg">Documentation</h2>
<p>Spectrum sponsors DC and DB volume submitter plan documents, which provide thousands of plan design options. We can also support individually designed plans, for clients who have very specific needs.</p>
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<h2 class="mb-lg">Plan Consulting</h2>
<p>What good is a workplace retirement plan if it is poorly designed? Poor design can expose plans to costly compliance problems. Our plan consultants are professionally qualified experts, who deliver outcomes
through plan design. Each Spectrum Consultant develops years of experience in plan administration before consulting with employers.</p>
<a href="/services/consulting"><button class="btn btn-3d btn-primary btn-xs" type="button">Learn More</button> </a>
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<p>Many plans include employer matching contributions or profit-sharing contributions. These contributions are often based on a percentage of employee pay. This makes it easy for employers to budget annually. For
employers with unpredicable profits, fixed annual contributions may be too costly and not provide with enough flexibility. Good retirement plan consultants can design plans with employer contribution flexibility in
mind. This means employers can have discretion over how much they choose to contribute annually. However, even the most flexible plans may require employer contributions in certain years because of plan compliance
rules.</p>
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<p>Fees paid to providers can vary significantly. As noted in our <a href="/resources/retirement-plan-provider-guide">Retirement Plan Provider Guide</a>, employers can in-source most retirement plan service
functions. Spectrum will never quote another provider's fees. However, when services are out-sourced, our experience suggests most providers charge based on one or more of the following: % of plan assets, $ per
plan participant, $ per plan transaction (ex. distributions), $ per time interval (ex. hourly fees), fixed fees based on plan design complexity or plan operational complexity, and/or incurred expenses.</p>
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<p>Spectrum offers employers a complimentary initial retirement plan review. As retirement plan specialists, we discuss the employer’s objectives, learn about your organization’s internal capabilities, and analyze
any of your existing workplace retirement plans. We recommend which functions an employer should in-source, and which services should be outsourced to providers. We are happy to provide ongoing service proposals if
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<p>Spectrum Pension Consultants delivers products, services, and solutions related to workplace retirement plans including 401k plans, cash balance pension plans, employee stock ownership plans, other defined benefit pension
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Login Search Search Search Button Mini Search Search Open Menu * Home * Spectrum Consultants * Spectrum Pension Consultants * Services * 401k/DC Plan Recordkeeping * Compass * Consulting * On-Site Plan Education * Payroll360 * Plan Intelligence * Retirement Plan Administration * Plan Sponsor Services * Request Proposal * Solutions * Spectrum FinWell * SpectrumPlan * Spectrum Platform * Spectrum TPA * Resources * Employer Connect Videos * Knowledgebase * Plan Limits * Company * Careers * Contact * Giving Back * Partners * My Account * Facebook Icon * Linkedin Icon * Twitter Icon TACOMA'S OLDEST AND MOST TRUSTED RETIREMENT PLAN CONSULTING FIRM ESTABLISHED 1978 SPECTRUMPLAN THE MOST CUSTOMIZABLE WORKPLACE RETIREMENT PLAN RETIREMENT DASHBOARD INCOME PROJECTIONS INTEGRATED PAYROLL Get Started Now! Learn More SPECTRUM'S INDUSTRY LEADING 401(K) PLAN PLATFORM... Delivers a personalized experience Enhances participant engagement Offers complete transparency Improves participant outcomes Request Proposal SPECTRUM FINWELL A NATIONALLY RECOGNIZED WORKPLACE FINANCIAL WELLNESS PROGRAM Get Started Now! Try It FREE! prevnext start1234 stop Not sure what is the best retirement plan solution for your organization? Spectrum's Plan Analysis App can make a recommendation. Help Me Choose! or learn more. SPECTRUM'S EXPERT PEOPLE INTELLIGENT PROCESS LEADING TECHNOLOGY EXPERT PEOPLE LEAD TO PROVEN CLIENT OUTCOMES LEARN WHY PLAN SPONSORS ENTRUST SPECTRUM WITH OVER $1.85 BILLION IN ASSETS UNDER ADMINISTRATION -------------------------------------------------------------------------------- EXPERT PEOPLE Spectrum requires its plan services consultants to earn professional qualifications as conditions of continuing employment, so our Clients work with skilled professionals. INTELLIGENT PROCESS We engage external auditors to audit our processes annually to ensure they provide appropriate internal controls. LEADING TECHNOLOGY Spectrum administers plans on an industry leading technology platform, which provides Plan Sponsors and Plan Participants with advanced analytics, tools, and resources. WHO WE ARE Spectrum Pension Consultants delivers products, services, and solutions which support 401k and other employer-sponsored retirement plans. Our capabilities focus on retirement plan administration, consulting, documentation, and recordkeeping. Headquartered 30 miles south of Seattle in Tacoma, Washington, Spectrum Pension Consultants has worked for thousands of employer organizations since its founding in 1978. Today, our diverse client roster covers every industry vertical, and spans nearly every state in the country. View More OUR STATS $0 Billion in Plan Assets 0 Participants Served 0 Plans Administered 0 Years in Business CAPABILITIES AND EXPERTISE -------------------------------------------------------------------------------- ACTUARIAL Spectrum’s service syndicate through Alliance Benefit Group, provides nationally recognized enrolled actuaries to manage the actuarial valuations of cash balance and traditional defined benefit pension plans. -------------------------------------------------------------------------------- ADMINISTRATION Plan administration and ERISA compliance are challenges for many HR professionals. We can handle all plan compliance matters for employers. Our staff are ERISA plan experts and required to earn professional qualifications to demonstrate their competencies. Learn More -------------------------------------------------------------------------------- DOCUMENTATION Spectrum sponsors DC and DB volume submitter plan documents, which provide thousands of plan design options. We can also support individually designed plans, for clients who have very specific needs. -------------------------------------------------------------------------------- PLAN CONSULTING What good is a workplace retirement plan if it is poorly designed? Poor design can expose plans to costly compliance problems. Our plan consultants are professionally qualified experts, who deliver outcomes through plan design. Each Spectrum Consultant develops years of experience in plan administration before consulting with employers. Learn More -------------------------------------------------------------------------------- RECORDKEEPING We can provide daily valuation recordkeeping services to 401k, 403(b), 457, and other defined contribution plans. Our services are built upon an industry leading platform, which provides advanced analytics and can integrate with employer payroll systems. Learn More -------------------------------------------------------------------------------- WORKPLACE RETIREMENT AND ERISA PLAN EXPERTS Our retirement plan expertise includes most types of employer-sponsored workplace retirement plans: 401(K), 403(B), 457, CASH BALANCE PENSION, ESOPS, AND OTHER DEFINED CONTRIBUTION OR DEFINED BENEFIT PLANS. WE CAN ALSO HELP EMPLOYERS EVALUATE NONQUALIFIED PLAN FEASIBILITY AND DESIGN. Heard enough? Ready to get started? Get Started Now! WHAT DOES IT COST? -------------------------------------------------------------------------------- Employer costs in workplace retirement plans are the sum of employer contributions + service provider fees. EMPLOYER CONTRIBUTIONS Many plans include employer matching contributions or profit-sharing contributions. These contributions are often based on a percentage of employee pay. This makes it easy for employers to budget annually. For employers with unpredicable profits, fixed annual contributions may be too costly and not provide with enough flexibility. Good retirement plan consultants can design plans with employer contribution flexibility in mind. This means employers can have discretion over how much they choose to contribute annually. However, even the most flexible plans may require employer contributions in certain years because of plan compliance rules. -------------------------------------------------------------------------------- SERVICE PROVIDER FEES Fees paid to providers can vary significantly. As noted in our Retirement Plan Provider Guide, employers can in-source most retirement plan service functions. Spectrum will never quote another provider's fees. However, when services are out-sourced, our experience suggests most providers charge based on one or more of the following: % of plan assets, $ per plan participant, $ per plan transaction (ex. distributions), $ per time interval (ex. hourly fees), fixed fees based on plan design complexity or plan operational complexity, and/or incurred expenses. Learn More -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- HOW WE CAN HELP YOU -------------------------------------------------------------------------------- FREE INITIAL RETIREMENT PLAN REVIEW Spectrum offers employers a complimentary initial retirement plan review. As retirement plan specialists, we discuss the employer’s objectives, learn about your organization’s internal capabilities, and analyze any of your existing workplace retirement plans. We recommend which functions an employer should in-source, and which services should be outsourced to providers. We are happy to provide ongoing service proposals if an employer considers Spectrum for one or more service functions. Schedule a FREE Initial Retirement Plan Review QUESTIONS? Contact Us let us buy you a cup of coffee, and have a conversation. NEWSLETTER Keep up on our evolving products, services, solutions, and technology through our Newsletters. Subscribe Today! ABOUT US Spectrum Pension Consultants delivers products, services, and solutions related to workplace retirement plans including 401k plans, cash balance pension plans, employee stock ownership plans, other defined benefit pension plans, and other defined contribution plans. GET IN TOUCH * Address: 6402 19th Street, Tacoma, WA 98466, USA * Phone: +1 (253) 565-2100 * Email: Contact Us Form FOLLOW US * Facebook * Twitter * Linkedin © Copyright 2024 by Spectrum Consultants Terms Of Use Privacy Statement scroller