Department of Labor filing

SPECTRAL SYSTEMS, LLC

SPECTRAL SYSTEMS, LLC 401(K) PLAN · For the plan year ended Dec 31, 2024

Public filing 2024 · received Sep 24, 2025Verified current terms Not available

Plan at a glance

How good does the filing look?

65filing comparison
out of 100

The filing looks somewhat better than typical peers on the measures we can compare. This is a filing comparison, not a complete benefits score.

$Employer support

$3,058

Reported employer contributions per active participant.

Higher than about 74% of comparable plans

#People in the filing

163

Active participants reported for 2024.

The filing does not say how many employees are currently contributing.

¢Visible plan-paid fees

$179 / participant

Reported administrative expense—not every fee an employee may pay.

Lower cost than about 44% of comparable plans

↗Investment performance

Not available

Plan assets changed 22.5%, but that includes contributions, withdrawals, and market movement.

Asset change is not investment performance.

What we still need to judge the benefit

Current match formula, vesting, eligibility, investment choices, fund expense ratios, and employee-level fees.

See missing terms ↓

Filing comparison · 202465out of 100 among similar-size plans in the same industry when enough peers exist

How this filing compares

Reported employer contributions74th percentileTypical peer $1,943 · based on 715 comparable plans

Lower reported administrative expense44th percentileTypical peer $160 · based on 736 comparable plans

This comparison uses historical filing figures. It does not compare current match formulas, vesting, investments, or employee fees.

The short version

What the latest filing tells us

For the plan year ended Dec 31, 2024, SPECTRAL SYSTEMS, LLC reported $498,438 in employer contributions across the plan and 163 active participants. That works out to $3,058 per active participant. It is useful context, but it is not the current match formula and it does not show what any one employee received.

Participation proxy75%

Active participants divided by all end-of-year plan participants. This is not the company participation rate because the filing does not report every eligible employee.

Employer money trendUp 3.5%

Change in reported employer contribution per active participant across the filing history shown.

Expense trendUp 37.5%

Change in reported administrative expense per participant. Investment expenses may not be included.

Peer context65/100

A filing comparison among similar-size plans in the same industry when enough peers exist.

Where the public filing stops

Current match, vesting, eligibility, employee fees, and investment choices require a dated plan document. Until we have one, those details stay blank.

Latest financial record

Contributions, assets, and expenses

These figures are reported totals for the plan—not individual account balances or promises to any employee.

Employer contributions: $498,438
Participant contributions: $878,920
Other contributions: $190,174
Employer share of reported contributions: 36.2%
Beginning assets: $9,743,585
Ending assets: $11,932,043
Ending net assets: $11,932,043
Ending liabilities: Not reported
Total income: $3,026,684
Total expenses: $838,226
Administrative expenses: $38,642
Participant loans: $285,281

Three-year filing history

How the reported figures changed

Each chart uses its own scale and starts at zero. When the filing has no value, the chart says so rather than turning it into a zero.

Employer contributions reported per active participant

2023

$2,954

2024

$3,058

Plan-paid administrative expenses per participant

2023

$130

2024

$179

Active participants

2023

175

2024

163

Detailed filing history
Plan year	Per active participant	Active participants	Plan assets	Filing ID
2024	$3,058	163	11.9M	20250924142909NAL0006854577001
2023	$2,954	175	9.7M	20241014153845NAL0026597201002

Changes in plan assets are not the same as investment performance. Each row uses the selected public filing for that year.

Plan operations

Details worth knowing

Participant loans as a share of plan assets: 2.4%
Independent accountant’s opinion: Unqualified opinion Code 1
Late participant contributions reported: Yes
Public plan identifier: 900767620-001

Reported plan details

Identity and filing status

Plan type: Retirement plan
Employer arrangement: Single-employer plan
Plan effective date: Jul 1, 2012
Industry: Industry group 339
Amended filing: No
Final filing for this plan: No
Short plan year: No
401(k) feature reported: Yes
Show DOL characteristic codes
2E2F2G2J2K2T3B3D

Reported service providers

Organizations named in the latest filing

The public dataset does not always identify a provider’s exact role. Compensation stays blank when it was not separately reported.

Provider	Plan year	Direct compensation	Indirect compensation
FIDELITY INV INST OPC CO LLC	2024	Not reported	unknown

Current plan terms

Help fill the gap the filing leaves.

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Filing ACK_ID20250924142909NAL0006854577001

Data sourceDOL Form 5500 bulk data ↗

Filing searchEFAST2 ↗