SPECTRA TECH, INC. 401(K) PLAN
Plan Overview & Key Metrics
SPECTRA TECH, INC. 401(K) PLAN is a defined contribution retirement plan offered by SPECTRA TECH, INC.. Below is a snapshot of the plan’s financial health, participant activity, and employer generosity based on publicly filed data. Use these metrics to benchmark your own contributions and see how this plan compares to peers.
SPECTRA TECH, INC. 401(K) PLAN Total Retirement Plan Assets
SPECTRA TECH, INC. 401(K) PLAN Total Number of Retirement Plan Participants
SPECTRA TECH, INC. 401(K) PLAN Average Participant Retirement Account Value
SPECTRA TECH, INC. 401(K) PLAN Estimated Average Employee Contribution Amount
SPECTRA TECH, INC. 401(K) PLAN Estimated Average Employer Match
Investing in this additonal $2,823.00 for 20 years would give you extra $180,676.00, assuming a 10% annual return.
SPECTRA TECH, INC. 401(K) PLAN Total Employer Contribution and Match Rate
SPECTRA TECH, INC. 401(K) PLAN Total Retirement Plan Asset Growth Rate
SPECTRA TECH, INC. 401(K) PLAN Estimated Aggregate Retirement Account Investment Gain/Loss
SPECTRA TECH, INC. 401(K) PLAN Expense Ratio
* Data are from public filings.
Plan Administrator & Contact
Need to reach the plan administrator, update beneficiaries, or request a distribution? Use the contact details below. If the plan uses an external recordkeeper (such as Fidelity, Vanguard, or Empower), their portal is typically the fastest way to manage your account day to day.
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Enrollment & Brokerage Features
The following features describe how SPECTRA TECH, INC. 401(K) PLAN handles enrollment, default investments, and access to self-directed brokerage windows. Plans that offer auto-enrollment tend to have higher participation rates, and a brokerage window can give you access to investments beyond the plan’s core lineup.
SPECTRA TECH, INC. 401(K) PLAN has the following features:Default Investments: It uses a default investment account for participants or employees who fail to direct assets in their account.
Self-directed Brokerage: It allows participants or employees to allocate part or all of its account to a self directed brokereage account as an investment option.
What Should You Do Next?
Your 401(k) is likely your single largest wealth-building tool. Here is how to make the most of SPECTRA TECH, INC. 401(K) PLAN:
- Contribute enough to capture the full employer match. This is free money — see the match details on the Contribution & Match page.
- Review your investment allocation. Make sure your mix of stocks, bonds, and other assets matches your age and risk tolerance. Check available investment options.
- Keep your beneficiary designations current. Life events (marriage, divorce, children) mean your beneficiary form may need updating.
- Increase contributions over time. Even a 1% annual bump can add tens of thousands to your retirement balance over a career.
Use our 401(k) Savings Calculator to project how your current contribution rate translates into retirement wealth, or try the Asset Allocation Calculator to find an allocation that fits your risk profile.
Get Key Insights for This Plan
Join our community and get data-driven insights about SPECTRA TECH, INC. 401(K) PLAN. See how it compares to peer companies in fees, match generosity, and investment quality as soon as our new ranking reports go live.
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Puzzled on what to invest?
- We ask a few questions to decide your personal return and risk expectations
- We build a custom portfolio for your plan (401(k), 403(b), 529 …) or for a brokerage account
- We monitor and send timely rebalance emails on what investment funds to buy and sell
Looking for ideas to generate income?
- ETF or mutual fund income portfolios for 4-7% annual income
- Dividend stock funds
- Passive real estate investments
- more …
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