Spectrum’s investment professionals provide- hands on service to institutional plans such as 401(k)s, defined benefit, foundations and other similar plans. Fiduciary consulting is provided to defined contribution plans in accordance with 401(k) regulations and the investment aspects of 404(c) regulations. The services include quarterly investment committee meetings, performance analysis relative to benchmarks, fund selection and replacement, employee enrollment meetings, and employee education with respect to investment options and diversification guidelines.