While the process of complying with the Internal Revenue Code is complex, the process of designing an appropriate plan, establishing investment objectives, providing ongoing administrative support, and effectively communicating with your employees can be simplified.

Spectrum has the ability to simplify:

  • Your Business considerations
  • Your Employees’ Needs
  • Your Investment Objectives
  • Your Administrative Infrastructure

Supported by:

  • Customized Plan Design Services
  • Plan Document and Submission Services
  • Actuarial and Record Keeping Services
  • Employee Communication Services
  • Compliance of Trust Activity
  • Determination of Employee Eligibility
  • Discrimination/Compliance Testing
  • Preparation of Participants Statements and Forms
  • Preparation of Annual Government Reporting Forms


Spectrum Pension and Compensation, Inc. provides consulting and administrative services to sponsors of employee benefit arrangements including Qualified and Non-Qualified Retirement Plans. In addition, we can assist you with all of your employee benefit needs, such as health insurance,
life insurance, disability income, etc. We provide personal attention for a wide variety of services on a professional, cost effective basis. We provide administrative and compliance services for the following:

  • Defined Benefit Plans
  • Profit Sharing Plans
  • 401(K) Plans
  • Money Purchase Pension Plans
  • 403(B) Plans
  • ESOP’s
  • Non-Qualified Retirement Plans


We will perform the calculations necessary to assure that your plan satisfies the Internal Revenue service Requirements which govern plan operations.

We can assist you and your accountant in performing the necessary budgetary calculations which can aid in the operation of your plan. In addition, we can provide:

  • Traditional Balance Forward Administration
  • Plan Document Services
  • 1099-R and 945 Tax Filing Services
  • Compliance Reviews
  • Compliance with FASB

Contact us today to find out how we can maximize your retirement efforts in a cost effective manner!