Spectral Systems 401(k) match, vesting and fees
What Spectral Systems' 401(k) plan says about matching contributions
Plan features
Match, vesting and enrollment details have not been published from this plan's audit report yet. The figures below come from the structured filing.
| Recordkeeper | Fidelity Investment Inst Ops Co LLC | Schedule C ↗ |
| Independent auditor | Caron & Bletzer, PLLC (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | 401(k) · Active | Form 5500 ↗ |
| Late participant contributions | Reported on the filing | Schedule H ↗ |
How the plan compares
Plan year 2024 medians for 8,908 defined-contribution plans in manufacturing with 100 to 499 participants.
| Spectral Systems: employer contribution per participant | $2,396 | |
| Peer median | $1,847 |
| Spectral Systems: average balance | $57,366 | |
| Peer median | $65,512 |
| Spectral Systems: admin expenses ÷ assets | 0.36% | |
| Peer median | 0.32% |
Admin expenses are the plan's reported administrative expenses divided by its assets; they do not include fund expense ratios.
Plan history
Plan assets went from $3.4M at the end of plan year 2021 to $11.9M at the end of plan year 2024.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2024 | 216 | $11.9M | $498K | $2,396 | 0.36% | Not published | Form 5500 ↗ |
| 2023 | 216 | $9.7M | $517K | $2,461 | 0.35% | Not published | Form 5500 ↗ |
| 2022 | 221 | $6.8M | $356K | $1,679 | 0.27% | Not published | 5500-SF ↗ |
| 2021 | 111 | $3.4M | $114K | $1,196 | 0.06% | Not published | 5500-SF ↗ |
Common questions
Does Spectral Systems match 401(k) contributions?
The match terms for the Spectral Systems, LLC 401(k) Plan have not been published from its filing yet. The plan year 2024 filing reports $498K in employer contributions, about $2,396 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the Spectral Systems 401(k) match vested?
The vesting schedule for the Spectral Systems, LLC 401(k) Plan is not in the data published so far. Your Summary Plan Description states it.
Who manages the Spectral Systems 401(k)?
The recordkeeper listed on Schedule C of the plan year 2024 filing is Fidelity Investment Inst Ops Co LLC. The plan administrator is Spectral Systems, LLC.
I left Spectral Systems. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (Spectral Systems, LLC, (845) 897-1528) or the recordkeeper, Fidelity Investment Inst Ops Co LLC. The Spectral Systems old 401(k) page lists the contacts from every plan filing. Find an old Spectral Systems 401(k)
Data from the public Form 5500 annual reports Spectral Systems filed with the U.S. Department of Labor (plan years 2021 and 2022 and 2023 and 2024) and, where noted, the attached independent auditor's report. Plan terms may have changed since the filing; check your current Summary Plan Description. PlanFacts is not affiliated with Spectral Systems. Not financial advice. Report a correction · Methodology