Civic Intelligence

Fjd Corporation

Plan context: SPECTRUM ENTERPRISES DEFINED BENEFIT RETIREMENT PLAN

EIN 04-3510468 • Shrewsbury, MA • 44 filings • 7 plans

770 Grafton StreetShrewsbury, MA 01545
Current Snapshot

Latest Year

2025

2025 Participants

5

2025 Assets

$5,574,753

2025 Contributions

$389,923

Historical Graphs

Total Assets Over Time

Aggregate end-of-year assets by filing year, excluding zero-asset years

$5,574,753$2,787,377$0200320142025YearValue
$5,574,753Latest year 2025

Participants Over Time

Largest reported end-of-year plan headcount by filing year, used to avoid double-counting participants across overlapping plans

950200320142025YearValue
5Latest year 2025

Company Timeline

Year summaries and individual filings are combined here so you can stay in one place while moving across years and plan filings.

Year / FilingFilingsParticipantsAssetsContributionsContrib./Participant
202525$5,574,753$389,923$77,985iApproximate average salary by contribution assumption: employee only about $1,949,615 at 4% or $1,299,743 at 6%; with 50% employer match about $1,299,743 at 4% or $866,496 at 6%; with 100% employer match about $974,808 at 4% or $649,872 at 6%.
SPECTRUM ENTERPRISES DEFINED BENEFIT RETIREMENT PLAN-5$3,532,983$300,000$60,000iApproximate average salary by contribution assumption: employee only about $1,500,000 at 4% or $1,000,000 at 6%; with 50% employer match about $1,000,000 at 4% or $666,667 at 6%; with 100% employer match about $750,000 at 4% or $500,000 at 6%.
F J D Corp-5$2,041,770$89,923$17,985iApproximate average salary by contribution assumption: employee only about $449,615 at 4% or $299,743 at 6%; with 50% employer match about $299,743 at 4% or $199,829 at 6%; with 100% employer match about $224,807 at 4% or $149,872 at 6%.
202425$4,673,092$282,287$56,457iApproximate average salary by contribution assumption: employee only about $1,411,435 at 4% or $940,957 at 6%; with 50% employer match about $940,957 at 4% or $627,304 at 6%; with 100% employer match about $705,718 at 4% or $470,478 at 6%.
SPECTRUM ENTERPRISES DEFINED BENEFIT RETIREMENT PLAN-4$2,979,127$200,000$50,000iApproximate average salary by contribution assumption: employee only about $1,250,000 at 4% or $833,333 at 6%; with 50% employer match about $833,333 at 4% or $555,556 at 6%; with 100% employer match about $625,000 at 4% or $416,667 at 6%.
F J D Corp-5$1,693,965$82,287$16,457iApproximate average salary by contribution assumption: employee only about $411,435 at 4% or $274,290 at 6%; with 50% employer match about $274,290 at 4% or $182,860 at 6%; with 100% employer match about $205,718 at 4% or $137,145 at 6%.
202327$4,133,965$257,750$36,821iApproximate average salary by contribution assumption: employee only about $920,536 at 4% or $613,690 at 6%; with 50% employer match about $613,690 at 4% or $409,127 at 6%; with 100% employer match about $460,268 at 4% or $306,845 at 6%.
SPECTRUM ENTERPRISES DEFINED BENEFIT RETIREMENT PLAN-4$2,590,189$175,000$43,750iApproximate average salary by contribution assumption: employee only about $1,093,750 at 4% or $729,167 at 6%; with 50% employer match about $729,167 at 4% or $486,111 at 6%; with 100% employer match about $546,875 at 4% or $364,583 at 6%.
F J D Corp-7$1,543,776$82,750$11,821iApproximate average salary by contribution assumption: employee only about $295,536 at 4% or $197,024 at 6%; with 50% employer match about $197,024 at 4% or $131,349 at 6%; with 100% employer match about $147,768 at 4% or $98,512 at 6%.
202227$3,540,002$210,435$30,062iApproximate average salary by contribution assumption: employee only about $751,554 at 4% or $501,036 at 6%; with 50% employer match about $501,036 at 4% or $334,024 at 6%; with 100% employer match about $375,777 at 4% or $250,518 at 6%.
SPECTRUM ENTERPRISES DEFINED BENEFIT RETIREMENT PLAN-5$2,196,663$150,000$30,000iApproximate average salary by contribution assumption: employee only about $750,000 at 4% or $500,000 at 6%; with 50% employer match about $500,000 at 4% or $333,333 at 6%; with 100% employer match about $375,000 at 4% or $250,000 at 6%.
F J D Corp-7$1,343,339$60,435$8,634iApproximate average salary by contribution assumption: employee only about $215,839 at 4% or $143,893 at 6%; with 50% employer match about $143,893 at 4% or $95,929 at 6%; with 100% employer match about $107,920 at 4% or $71,946 at 6%.
202126$3,752,650$448,716$74,786iApproximate average salary by contribution assumption: employee only about $1,869,650 at 4% or $1,246,433 at 6%; with 50% employer match about $1,246,433 at 4% or $830,956 at 6%; with 100% employer match about $934,825 at 4% or $623,217 at 6%.
SPECTRUM ENTERPRISES DEFINED BENEFIT RETIREMENT PLAN-5$2,302,416$400,000$80,000iApproximate average salary by contribution assumption: employee only about $2,000,000 at 4% or $1,333,333 at 6%; with 50% employer match about $1,333,333 at 4% or $888,889 at 6%; with 100% employer match about $1,000,000 at 4% or $666,667 at 6%.
F J D Corp-6$1,450,234$48,716$8,119iApproximate average salary by contribution assumption: employee only about $202,983 at 4% or $135,322 at 6%; with 50% employer match about $135,322 at 4% or $90,215 at 6%; with 100% employer match about $101,492 at 4% or $67,661 at 6%.
202027$3,034,149$250,361$35,766iApproximate average salary by contribution assumption: employee only about $894,146 at 4% or $596,098 at 6%; with 50% employer match about $596,098 at 4% or $397,398 at 6%; with 100% employer match about $447,073 at 4% or $298,049 at 6%.
SPECTRUM ENTERPRISES DEFINED BENEFIT RETIREMENT PLAN-5$1,760,697$200,000$40,000iApproximate average salary by contribution assumption: employee only about $1,000,000 at 4% or $666,667 at 6%; with 50% employer match about $666,667 at 4% or $444,444 at 6%; with 100% employer match about $500,000 at 4% or $333,333 at 6%.
F J D Corp-7$1,273,452$50,361$7,194iApproximate average salary by contribution assumption: employee only about $179,861 at 4% or $119,907 at 6%; with 50% employer match about $119,907 at 4% or $79,938 at 6%; with 100% employer match about $89,930 at 4% or $59,954 at 6%.
201925$2,541,656$101,244$20,249iApproximate average salary by contribution assumption: employee only about $506,220 at 4% or $337,480 at 6%; with 50% employer match about $337,480 at 4% or $224,987 at 6%; with 100% employer match about $253,110 at 4% or $168,740 at 6%.
SPECTRUM ENTERPRISES DEFINED BENEFIT RETIREMENT PLAN-5$1,417,292$50,000$10,000iApproximate average salary by contribution assumption: employee only about $250,000 at 4% or $166,667 at 6%; with 50% employer match about $166,667 at 4% or $111,111 at 6%; with 100% employer match about $125,000 at 4% or $83,333 at 6%.
F J D Corp-5$1,124,364$51,244$10,249iApproximate average salary by contribution assumption: employee only about $256,220 at 4% or $170,813 at 6%; with 50% employer match about $170,813 at 4% or $113,876 at 6%; with 100% employer match about $128,110 at 4% or $85,407 at 6%.
201826$2,159,600$352,356$58,726iApproximate average salary by contribution assumption: employee only about $1,468,150 at 4% or $978,767 at 6%; with 50% employer match about $978,767 at 4% or $652,511 at 6%; with 100% employer match about $734,075 at 4% or $489,383 at 6%.
SPECTRUM ENTERPRISES DEFINED BENEFIT RETIREMENT PLAN-5$1,228,691$300,000$60,000iApproximate average salary by contribution assumption: employee only about $1,500,000 at 4% or $1,000,000 at 6%; with 50% employer match about $1,000,000 at 4% or $666,667 at 6%; with 100% employer match about $750,000 at 4% or $500,000 at 6%.
F J D Corp-6$930,909$52,356$8,726iApproximate average salary by contribution assumption: employee only about $218,150 at 4% or $145,433 at 6%; with 50% employer match about $145,433 at 4% or $96,956 at 6%; with 100% employer match about $109,075 at 4% or $72,717 at 6%.
201727$1,951,024$251,087$35,870iApproximate average salary by contribution assumption: employee only about $896,739 at 4% or $597,826 at 6%; with 50% employer match about $597,826 at 4% or $398,551 at 6%; with 100% employer match about $448,370 at 4% or $298,913 at 6%.
SPECTRUM ENTERPRISES DEFINED BENEFIT RETIREMENT PLAN-5$983,875$200,000$40,000iApproximate average salary by contribution assumption: employee only about $1,000,000 at 4% or $666,667 at 6%; with 50% employer match about $666,667 at 4% or $444,444 at 6%; with 100% employer match about $500,000 at 4% or $333,333 at 6%.
F J D Corp-7$967,149$51,087$7,298iApproximate average salary by contribution assumption: employee only about $182,454 at 4% or $121,636 at 6%; with 50% employer match about $121,636 at 4% or $81,090 at 6%; with 100% employer match about $91,227 at 4% or $60,818 at 6%.
201629$1,522,924$89,830$9,981iApproximate average salary by contribution assumption: employee only about $249,528 at 4% or $166,352 at 6%; with 50% employer match about $166,352 at 4% or $110,901 at 6%; with 100% employer match about $124,764 at 4% or $83,176 at 6%.
F J D Corp-9$811,629$49,830$5,537iApproximate average salary by contribution assumption: employee only about $138,417 at 4% or $92,278 at 6%; with 50% employer match about $92,278 at 4% or $61,519 at 6%; with 100% employer match about $69,208 at 4% or $46,139 at 6%.
SPECTRUM ENTERPRISES DEFINED BENEFIT RETIREMENT PLAN-8$711,295$40,000$5,000iApproximate average salary by contribution assumption: employee only about $125,000 at 4% or $83,333 at 6%; with 50% employer match about $83,333 at 4% or $55,556 at 6%; with 100% employer match about $62,500 at 4% or $41,667 at 6%.
201529$1,353,571$107,434$11,937iApproximate average salary by contribution assumption: employee only about $298,428 at 4% or $198,952 at 6%; with 50% employer match about $198,952 at 4% or $132,635 at 6%; with 100% employer match about $149,214 at 4% or $99,476 at 6%.
F J D Corp-9$706,239$47,434$5,270iApproximate average salary by contribution assumption: employee only about $131,761 at 4% or $87,841 at 6%; with 50% employer match about $87,841 at 4% or $58,560 at 6%; with 100% employer match about $65,881 at 4% or $43,920 at 6%.
SPECTRUM ENTERPRISES DEFINED BENEFIT RETIREMENT PLAN-8$647,332$60,000$7,500iApproximate average salary by contribution assumption: employee only about $187,500 at 4% or $125,000 at 6%; with 50% employer match about $125,000 at 4% or $83,333 at 6%; with 100% employer match about $93,750 at 4% or $62,500 at 6%.
201428$1,283,452$94,353$11,794iApproximate average salary by contribution assumption: employee only about $294,853 at 4% or $196,569 at 6%; with 50% employer match about $196,569 at 4% or $131,046 at 6%; with 100% employer match about $147,427 at 4% or $98,284 at 6%.
F J D Corp-8$685,017$44,353$5,544iApproximate average salary by contribution assumption: employee only about $138,603 at 4% or $92,402 at 6%; with 50% employer match about $92,402 at 4% or $61,601 at 6%; with 100% employer match about $69,302 at 4% or $46,201 at 6%.
SPECTRUM ENTERPRISES DEFINED BENEFIT RETIREMENT PLAN-8$598,435$50,000$6,250iApproximate average salary by contribution assumption: employee only about $156,250 at 4% or $104,167 at 6%; with 50% employer match about $104,167 at 4% or $69,444 at 6%; with 100% employer match about $78,125 at 4% or $52,083 at 6%.
201328$1,295,951$37,385$4,673iApproximate average salary by contribution assumption: employee only about $116,828 at 4% or $77,885 at 6%; with 50% employer match about $77,885 at 4% or $51,924 at 6%; with 100% employer match about $58,414 at 4% or $38,943 at 6%.
F J D Corp-8$760,574$37,385$4,673iApproximate average salary by contribution assumption: employee only about $116,828 at 4% or $77,885 at 6%; with 50% employer match about $77,885 at 4% or $51,924 at 6%; with 100% employer match about $58,414 at 4% or $38,943 at 6%.
SPECTRUM ENTERPRISES DEFINED BENEFIT RETIREMENT PLAN-7$535,377$0-
201226$1,117,908$107,731$17,955iApproximate average salary by contribution assumption: employee only about $448,879 at 4% or $299,253 at 6%; with 50% employer match about $299,253 at 4% or $199,502 at 6%; with 100% employer match about $224,440 at 4% or $149,626 at 6%.
F J D Corp-6$632,180$32,731$5,455iApproximate average salary by contribution assumption: employee only about $136,379 at 4% or $90,919 at 6%; with 50% employer match about $90,919 at 4% or $60,613 at 6%; with 100% employer match about $68,190 at 4% or $45,460 at 6%.
SPECTRUM ENTERPRISES DEFINED BENEFIT RETIREMENT PLAN-6$485,728$75,000$12,500iApproximate average salary by contribution assumption: employee only about $312,500 at 4% or $208,333 at 6%; with 50% employer match about $208,333 at 4% or $138,889 at 6%; with 100% employer match about $156,250 at 4% or $104,167 at 6%.
201126$916,390$192,269$32,045iApproximate average salary by contribution assumption: employee only about $801,121 at 4% or $534,081 at 6%; with 50% employer match about $534,081 at 4% or $356,054 at 6%; with 100% employer match about $400,560 at 4% or $267,040 at 6%.
F J D Corp-6$530,539$42,269$7,045iApproximate average salary by contribution assumption: employee only about $176,121 at 4% or $117,414 at 6%; with 50% employer match about $117,414 at 4% or $78,276 at 6%; with 100% employer match about $88,060 at 4% or $58,707 at 6%.
SPECTRUM ENTERPRISES DEFINED BENEFIT RETIREMENT PLAN-5$385,851$150,000$30,000iApproximate average salary by contribution assumption: employee only about $750,000 at 4% or $500,000 at 6%; with 50% employer match about $500,000 at 4% or $333,333 at 6%; with 100% employer match about $375,000 at 4% or $250,000 at 6%.
201027$741,281$160,875$22,982iApproximate average salary by contribution assumption: employee only about $574,554 at 4% or $383,036 at 6%; with 50% employer match about $383,036 at 4% or $255,357 at 6%; with 100% employer match about $287,277 at 4% or $191,518 at 6%.
F J D Corp-7$510,398$74,875$10,696iApproximate average salary by contribution assumption: employee only about $267,411 at 4% or $178,274 at 6%; with 50% employer match about $178,274 at 4% or $118,849 at 6%; with 100% employer match about $133,705 at 4% or $89,137 at 6%.
SPECTRUM ENTERPRISES DEFINED BENEFIT RETIREMENT PLAN-5$230,883$86,000$17,200iApproximate average salary by contribution assumption: employee only about $430,000 at 4% or $286,667 at 6%; with 50% employer match about $286,667 at 4% or $191,111 at 6%; with 100% employer match about $215,000 at 4% or $143,333 at 6%.
200925$569,753$98,115$19,623iApproximate average salary by contribution assumption: employee only about $490,575 at 4% or $327,050 at 6%; with 50% employer match about $327,050 at 4% or $218,033 at 6%; with 100% employer match about $245,288 at 4% or $163,525 at 6%.
F J D Corp-4$431,354$73,115$18,279iApproximate average salary by contribution assumption: employee only about $456,969 at 4% or $304,646 at 6%; with 50% employer match about $304,646 at 4% or $203,097 at 6%; with 100% employer match about $228,484 at 4% or $152,323 at 6%.
SPECTRUM ENTERPRISES DEFINED BENEFIT RETIREMENT PLAN-5$138,399$25,000$5,000iApproximate average salary by contribution assumption: employee only about $125,000 at 4% or $83,333 at 6%; with 50% employer match about $83,333 at 4% or $55,556 at 6%; with 100% employer match about $62,500 at 4% or $41,667 at 6%.
200825$297,829$62,327$12,465iApproximate average salary by contribution assumption: employee only about $311,635 at 4% or $207,757 at 6%; with 50% employer match about $207,757 at 4% or $138,504 at 6%; with 100% employer match about $155,818 at 4% or $103,878 at 6%.
F J D Corp-5$297,829$62,327$12,465iApproximate average salary by contribution assumption: employee only about $311,635 at 4% or $207,757 at 6%; with 50% employer match about $207,757 at 4% or $138,504 at 6%; with 100% employer match about $155,818 at 4% or $103,878 at 6%.
SPECTRUM ENTERPRISES DEFINED BENEFIT RETIREMENT PLAN-5---
200724$322,834$56,147$14,037iApproximate average salary by contribution assumption: employee only about $350,919 at 4% or $233,946 at 6%; with 50% employer match about $233,946 at 4% or $155,964 at 6%; with 100% employer match about $175,459 at 4% or $116,973 at 6%.
F J D Corp-4$322,834$56,147$14,037iApproximate average salary by contribution assumption: employee only about $350,919 at 4% or $233,946 at 6%; with 50% employer match about $233,946 at 4% or $155,964 at 6%; with 100% employer match about $175,459 at 4% or $116,973 at 6%.
SPECTRUM ENTERPRISES DEFINED BENEFIT RETIREMENT PLAN-4---
200625$317,235$90,349$18,070iApproximate average salary by contribution assumption: employee only about $451,745 at 4% or $301,163 at 6%; with 50% employer match about $301,163 at 4% or $200,776 at 6%; with 100% employer match about $225,873 at 4% or $150,582 at 6%.
F J D Corp-5$250,425$52,646$10,529iApproximate average salary by contribution assumption: employee only about $263,230 at 4% or $175,487 at 6%; with 50% employer match about $175,487 at 4% or $116,991 at 6%; with 100% employer match about $131,615 at 4% or $87,743 at 6%.
SPECTRUM ENTERPRISES DEFINED BENEFIT RETIREMENT PLAN-5$66,810$37,703$7,541iApproximate average salary by contribution assumption: employee only about $188,515 at 4% or $125,677 at 6%; with 50% employer match about $125,677 at 4% or $83,784 at 6%; with 100% employer match about $94,258 at 4% or $62,838 at 6%.
200525$204,876$77,928$15,586iApproximate average salary by contribution assumption: employee only about $389,640 at 4% or $259,760 at 6%; with 50% employer match about $259,760 at 4% or $173,173 at 6%; with 100% employer match about $194,820 at 4% or $129,880 at 6%.
F J D Corp-5$176,742$49,794$9,959iApproximate average salary by contribution assumption: employee only about $248,970 at 4% or $165,980 at 6%; with 50% employer match about $165,980 at 4% or $110,653 at 6%; with 100% employer match about $124,485 at 4% or $82,990 at 6%.
SPECTRUM ENTERPRICES DEFINED BENEFIT RETIREMENT PLAN-5$28,134$28,134$5,627iApproximate average salary by contribution assumption: employee only about $140,670 at 4% or $93,780 at 6%; with 50% employer match about $93,780 at 4% or $62,520 at 6%; with 100% employer match about $70,335 at 4% or $46,890 at 6%.
200414$117,963$53,977$13,494iApproximate average salary by contribution assumption: employee only about $337,356 at 4% or $224,904 at 6%; with 50% employer match about $224,904 at 4% or $149,936 at 6%; with 100% employer match about $168,678 at 4% or $112,452 at 6%.
F J D Corp-4$117,963$53,977$13,494iApproximate average salary by contribution assumption: employee only about $337,356 at 4% or $224,904 at 6%; with 50% employer match about $224,904 at 4% or $149,936 at 6%; with 100% employer match about $168,678 at 4% or $112,452 at 6%.
200314$57,012$57,012$14,253iApproximate average salary by contribution assumption: employee only about $356,325 at 4% or $237,550 at 6%; with 50% employer match about $237,550 at 4% or $158,367 at 6%; with 100% employer match about $178,163 at 4% or $118,775 at 6%.
F J D Corp-4$57,012$57,012$14,253iApproximate average salary by contribution assumption: employee only about $356,325 at 4% or $237,550 at 6%; with 50% employer match about $237,550 at 4% or $158,367 at 6%; with 100% employer match about $178,163 at 4% or $118,775 at 6%.