Spectrum Consultants Unclaimed

Enhances workplace productivity by alleviating employee financial stress.

A flexible and customizable retirement plan solution that meets diverse employer needs.

Provides flexible recordkeeping solutions, adapting to client needs while ensuring compliance and security.

Enhance retirement outcomes through tailored investment strategies.

Comprehensive recordkeeping services to enhance participant engagement and ensure compliance.

Enhance employee understanding and participation in retirement plans.

Automate payroll and retirement plan data integration seamlessly and securely.

Enhance decision-making with advanced analytics for retirement plans.

Comprehensive management of retirement plan compliance for employers.

Enhances retirement plan performance through expert coordination and education.

Streamline your retirement plan management with expert TPA services.

Services that provide recordkeeping, daily valuation, participant account management, broad investment option access, payroll integration, and reporting for defined contribution plans.

Fiduciary oversight, compliance management, custom plan design, document administration, and third-party administration to help plan sponsors manage regulatory and fiduciary risk.

Analytics-driven managed account services that create personalized asset allocations, integrate existing investments, and optimize participant retirement outcomes.

Employee-focused financial wellness programs and education, including CFP® coaching, online learning centers, personalized assessments, on-site education, and automated engagement to improve financial literacy and plan participation.

Spectrum FinWell

A comprehensive workplace financial wellness program addressing financial stress and improving employee outcomes. It provides tools and resources to help users enhance their financial literacy and planning efforts.

• Access Expert Coaching
  Employees can consult with a certified financial planner for guidance on various financial topics, enhancing their financial literacy and planning efforts.
• Utilize Extensive Resources
  Provides personalized tools and resources to help users improve their financial skills and planning through a user-friendly online platform.
• Receive Personalized Insights
  Users receive a tailored assessment that evaluates their financial health and provides actionable steps for improvement.
• Conduct Regular Assessments
  Employers receive comprehensive reports on employee financial wellness, helping to address issues proactively and improve overall workforce health.
• Choose Flexible Packages
  Employers can select the most suitable subscription plan based on their workforce size and specific needs, ensuring tailored financial wellness solutions.
• Implement Automated Marketing
  Businesses can engage their employees consistently through automated campaigns designed to promote the program and encourage participation.

SpectrumPlan

SpectrumPlan™ is the most customizable workplace retirement plan, tailored to meet specific needs and objectives of employers, enhancing participant outcomes and optimizing plan efficiency.

• Choose Your Administrator
  Employers can select the right plan provider for each management function, ensuring alignment with their objectives.
• Enhance Investment Choices
  Provides a wide range of mutual funds and investment options, allowing for tailored investment strategies.
• Maintain Compliance
  Ensures that plan documents are current with legal requirements, providing peace of mind for employers.
• Flexible Recordkeeping
  Employers can choose their preferred recordkeeper, ensuring they receive the best service tailored to their needs.
• Access Real-Time Data
  Employers have easy access to real-time reporting, promoting transparency and informed decision-making.
• Streamline Payroll Management
  Automates data exchanges, eliminates errors, and reduces administrative burdens for employers.
• Access Diverse Investment Strategies
  Employers can offer participants advanced investment strategies tailored to their risk preferences.

Spectrum Platform

Independent recordkeeping technology platform enabling plan sponsors and participants; integrates with payroll and financial systems with open architecture.

• Safeguard Investments
  Clients can trust their assets are protected with industry-leading security measures and compliance with regulations.
• Manage Accounts Efficiently
  The platform allows streamlined management of participant accounts, ensuring smooth transactions and improved participant experience.
• Engage Participants Effectively
  Convenient portals enhance user interaction and provide critical information access for both participants and sponsors.
• Integrate Payroll Seamlessly
  Streamlines data transfers, eliminating manual errors and significantly reducing administrative burdens for employers.
• Diverse Investment Choices
  Participants have access to a wide range of investment options to suit their unique financial goals.
• Project Future Savings
  Participants can view projections of their retirement savings, aiding in informed financial planning.
• Choose Your Package
  Employers can select subscription levels tailored to their specific requirements and growth objectives.
• Access Reports Online
  Users can generate reports and access management tools easily through the platform’s intuitive interface.

Spectrum Compass

Spectrum Compass™ - a customized retirement plan managed account solution, using advanced analytics to tailor allocations to participant profiles.

• Leverage Data Insights
  By integrating robust data analytics, Spectrum Compass improves allocation precision, increasing the likelihood of participants achieving their retirement goals.
• Personalize Investment Strategies
  Develops investment strategies tailored to specific participant profiles, optimizing their retirement savings potential.
• Integrate Existing Investments
  Ensures seamless integration with current investment options, maximizing the overall effectiveness of retirement portfolios.
• Align Investments with Goals
  Facilitates achieving individual retirement milestones by continually adjusting investments according to changing participant needs.

401(k) / Defined Contribution Plan Recordkeeping

Comprehensive recordkeeping services with open architecture daily valuation and participant account management.

• Provides Diverse Investment Choices
  Participants benefit from a wide variety of investment options, allowing for tailored retirement strategies.
• Ensures Accurate Daily Reporting
  Gives plan sponsors and participants real-time access to account values, enhancing transparency.
• Empowers Participants with Self-Service
  Participants can manage their accounts, monitor investments, and make changes directly.
• Streamlines Plan Administration
  Equips sponsors with tools for efficient plan management.
• Simplifies Contribution Management
  Ensures seamless processing of payroll contributions.
• Protects Sensitive Information
  Robust security protocols safeguard participant data.

On-Site Plan Education

Spectrum's on-site plan education and enrollment services provide personalized education sessions for workplace retirement benefit plans.

• Provide Tailored Education
  Spectrum offers personalized one-on-one sessions and group discussions.
• Deliver Services Anywhere
  Educators are located throughout the U.S., ensuring consistent support.
• Adapt to Audience Needs
  Spectrum provides personalized sessions, small group meetings, and large seminars.

Spectrum Payroll360™

Integrates major payroll providers with Spectrum’s retirement plan management system, automating data exchanges and eliminating errors.

• Automatically Transmit Data
  Leverage integration for secure, automatic payroll data transfers.
• Reduce Administrative Tasks
  Significantly decrease time spent on payroll data handling.
• Achieve Reliable Transactions
  Guarantee timely processing of payroll entries.
• Protect Sensitive Data
  Mitigate risks of data breaches while ensuring compliance.
• Quick Integration
  Utilize QuickStart guides for fast setup.
• Receive Real-Time Updates
  Stay informed with notifications after data transfers.

Plan Intelligence

Spectrum Plan Intelligence™ leverages Microsoft Azure and Power BI to provide actionable insights into workforce retirement plan outcomes.

• Leverage Insights For Better Outcomes
  Utilize data insights to optimize retirement plan designs.
• Assess Retirement Readiness
  Regularly assess employee preparedness for retirement.
• Identify Participation Trends
  Track participation over time to identify potential barriers.
• Streamline Systems For Efficiency
  Ensure smooth integration with current systems.

Retirement Plan Administration

Spectrum's retirement plan administration services provide document management, ERISA compliance, fiduciary support, and government reporting for retirement plans.

• Mitigate Compliance Risks
  Expert management of ERISA compliance helps reduce regulatory risks.
• Ensure Accurate Plan Design
  Helps determine necessary funding levels and compliance standards.
• Enhance Fiduciary Oversight
  Providing fiduciary support ensures informed decisions that protect participants.
• Tailor Plans to Business Needs
  Customized plan documentation to align with organizational goals.
• Streamline Regulatory Filings
  Expert assistance ensures timely and accurate submissions.

Plan Sponsor Services

Comprehensive solutions designed to assist employers in managing their retirement plans, encompassing fiduciary coordination, vendor management, and participant communication strategies.

• Enhance Plan Performance
  Detailed analyses and design support to improve retirement plans' effectiveness.
• Reduce Fiduciary Risk
  Guides employers in managing fiduciary responsibilities.
• Streamline Plan Management
  Comprehensive support helps sponsors manage their plans effectively.
• Improve Employee Engagement
  Custom initiatives empower employees in their retirement planning.
• Optimize Retirement Costs
  Helps assess and manage plans' fees to enhance participant satisfaction.
• Enhance Participant Communication
  Creates tailored strategies that inform and engage employees.

Spectrum TPA

Comprehensive third-party administration services for retirement plans, focusing on compliance, plan design, and execution.

• Ensure Compliance And Efficiency
  Provides clients with reliable plan management and compliance.
• Simplify Regulatory Adherence
  Ensures compliance with federal and state regulations.
• Achieve Unique Organizational Goals
  Works with clients to create retirement plans that fit specific needs.
• Enhance Brand Recognition
  Allows clients to offer services under their own branding.