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Spectrum Resource Center

Advice, Articles, Events, Insights, News, Newsletters, Opinions, Press Releases, Updates, and More from Spectrum.

To Roth or Not to Roth

Many business owners are comfortable with the notion of a Roth IRA. We find that far fewer understand and appreciate the benefit of contributing post-tax dollars in a Roth 401(k) account as compared to making traditional pre-tax contributions. In the right circumstances and for the right person, a Roth 401(k) account can deliver significant tax benefits at retirement.

Understanding Why a QDIA Matters

The continued adoption of auto-enrollment in 401(k) plans has increased the importance of including a Qualified Default Investment Alternative – a QDIA – in the plan’s fund lineup. You may fully understand how a QDIA works as a default investment choice for your employees. But do you also appreciate how your plan’s QDIA provides you specific fiduciary protection?

Auto-Enrollment and Auto-Escalation

Auto Enrollment and Auto Escalation – highlights “automatic” plan design features that can make a significant difference for employees starting their journey to retirement. Watch this video and download its Action Doc to better understand how auto-enrollment and auto-escalation can be a great tools to help more people achieve a secure retirement.
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Spectrum Update and Service Enhancements Q4'2018

Q4'2018 was a strong quarter for Spectrum. We were thrilled that one of Spectrum's clients, Seattle Indian Health Board, was recognized as ABG's Plan Sponsor of the Year. Spectrum enhanced participant account security by implementing multi-factor authentication on its retirement platform. Finally, we launched a Cash Balance Pension Plan Calculator, to show employers whether cash balance pension plans might make sense for their organizations.
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Spectrum Update and Service Enhancements Q3'2018

Q3'2018 was an exciting quarter. Among other things, we celebrated Spectrum's 40th birthday party at Tacoma Country and Golf Club; we hosted the 13th annual Spectrum Open Charity Golf Tournament and Dinner Event; we implemented the Spectrum Client Portal to streamline retirement plan implementations; we launched our cybersecurity awareness training services.