Civic Intelligence

David J. Spector & Associates Inc.

Plan context: David J. Spector & Associates Inc. 401(K) Profit Sharing Plan

EIN 13-3736457 • New York, NY • 36 filings • 5 plans

230 West 105th Street#9-dNew York, NY 10025
Current Snapshot

Latest Year

2025

2025 Participants

4

2025 Assets

$4,294,283

2025 Contributions

$73,092

Historical Graphs

Total Assets Over Time

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

$4,294,283$2,147,142$0200120142025YearValue
$4,294,283Latest year 2025

Participants Over Time

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

840200120132025YearValue
4Latest 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
202514$4,294,283$73,092$18,273iApproximate average salary by contribution assumption: employee only about $456,825 at 4% or $304,550 at 6%; with 50% employer match about $304,550 at 4% or $203,033 at 6%; with 100% employer match about $228,413 at 4% or $152,275 at 6%.
David J. Spector & Associates Inc. 401(K) Profit Sharing Plan-4$4,294,283$73,092$18,273iApproximate average salary by contribution assumption: employee only about $456,825 at 4% or $304,550 at 6%; with 50% employer match about $304,550 at 4% or $203,033 at 6%; with 100% employer match about $228,413 at 4% or $152,275 at 6%.
202425$3,757,332$64,544$12,909iApproximate average salary by contribution assumption: employee only about $322,720 at 4% or $215,147 at 6%; with 50% employer match about $215,147 at 4% or $143,431 at 6%; with 100% employer match about $161,360 at 4% or $107,573 at 6%.
David J. Spector & Associates Inc. 401(K) Profit Sharing Plan-5$3,757,332$64,544$12,909iApproximate average salary by contribution assumption: employee only about $322,720 at 4% or $215,147 at 6%; with 50% employer match about $215,147 at 4% or $143,431 at 6%; with 100% employer match about $161,360 at 4% or $107,573 at 6%.
David J. Spector & Associates Inc. Defined Benefit Pension Plan-0$0--
202325$4,128,893$71,181$14,236iApproximate average salary by contribution assumption: employee only about $355,905 at 4% or $237,270 at 6%; with 50% employer match about $237,270 at 4% or $158,180 at 6%; with 100% employer match about $177,953 at 4% or $118,635 at 6%.
David J. Spector & Associates Inc. 401(K) Profit Sharing Plan-5$3,338,637$22,500$4,500iApproximate average salary by contribution assumption: employee only about $112,500 at 4% or $75,000 at 6%; with 50% employer match about $75,000 at 4% or $50,000 at 6%; with 100% employer match about $56,250 at 4% or $37,500 at 6%.
David J. Spector & Associates Inc. Defined Benefit Pension Plan-5$790,256$48,681$9,736iApproximate average salary by contribution assumption: employee only about $243,405 at 4% or $162,270 at 6%; with 50% employer match about $162,270 at 4% or $108,180 at 6%; with 100% employer match about $121,703 at 4% or $81,135 at 6%.
202225$3,538,645$111,386$22,277iApproximate average salary by contribution assumption: employee only about $556,930 at 4% or $371,287 at 6%; with 50% employer match about $371,287 at 4% or $247,524 at 6%; with 100% employer match about $278,465 at 4% or $185,643 at 6%.
David J. Spector & Associates Inc. 401(K) Profit Sharing Plan-5$2,902,499$60,067$12,013iApproximate average salary by contribution assumption: employee only about $300,335 at 4% or $200,223 at 6%; with 50% employer match about $200,223 at 4% or $133,482 at 6%; with 100% employer match about $150,168 at 4% or $100,112 at 6%.
David J. Spector & Associates Inc. Defined Benefit Pension Plan-5$636,146$51,319$10,264iApproximate average salary by contribution assumption: employee only about $256,595 at 4% or $171,063 at 6%; with 50% employer match about $171,063 at 4% or $114,042 at 6%; with 100% employer match about $128,297 at 4% or $85,532 at 6%.
202125$4,096,023$29,607$5,921iApproximate average salary by contribution assumption: employee only about $148,035 at 4% or $98,690 at 6%; with 50% employer match about $98,690 at 4% or $65,793 at 6%; with 100% employer match about $74,018 at 4% or $49,345 at 6%.
David J. Spector & Associates Inc. 401(K) Profit Sharing Plan-5$3,386,708$29,607$5,921iApproximate average salary by contribution assumption: employee only about $148,035 at 4% or $98,690 at 6%; with 50% employer match about $98,690 at 4% or $65,793 at 6%; with 100% employer match about $74,018 at 4% or $49,345 at 6%.
David J. Spector & Associates Inc. Defined Benefit Pension Plan-5$709,315--
202025$3,562,815$88,164$17,633iApproximate average salary by contribution assumption: employee only about $440,820 at 4% or $293,880 at 6%; with 50% employer match about $293,880 at 4% or $195,920 at 6%; with 100% employer match about $220,410 at 4% or $146,940 at 6%.
David J. Spector & Associates Inc. 401(K) Profit Sharing Plan-5$2,941,290$18,022$3,604iApproximate average salary by contribution assumption: employee only about $90,110 at 4% or $60,073 at 6%; with 50% employer match about $60,073 at 4% or $40,049 at 6%; with 100% employer match about $45,055 at 4% or $30,037 at 6%.
David J. Spector & Associates Inc. Defined Benefit Pension Plan-5$621,525$70,142$14,028iApproximate average salary by contribution assumption: employee only about $350,710 at 4% or $233,807 at 6%; with 50% employer match about $233,807 at 4% or $155,871 at 6%; with 100% employer match about $175,355 at 4% or $116,903 at 6%.
201925$3,028,481$51,896$10,379iApproximate average salary by contribution assumption: employee only about $259,480 at 4% or $172,987 at 6%; with 50% employer match about $172,987 at 4% or $115,324 at 6%; with 100% employer match about $129,740 at 4% or $86,493 at 6%.
David J. Spector & Associates Inc. 401(K) Profit Sharing Plan-5$2,530,694$31,896$6,379iApproximate average salary by contribution assumption: employee only about $159,480 at 4% or $106,320 at 6%; with 50% employer match about $106,320 at 4% or $70,880 at 6%; with 100% employer match about $79,740 at 4% or $53,160 at 6%.
David J. Spector & Associates Inc. Defined Benefit Pension Plan-5$497,787$20,000$4,000iApproximate average salary by contribution assumption: employee only about $100,000 at 4% or $66,667 at 6%; with 50% employer match about $66,667 at 4% or $44,444 at 6%; with 100% employer match about $50,000 at 4% or $33,333 at 6%.
201825$2,422,247$69,138$13,828iApproximate average salary by contribution assumption: employee only about $345,690 at 4% or $230,460 at 6%; with 50% employer match about $230,460 at 4% or $153,640 at 6%; with 100% employer match about $172,845 at 4% or $115,230 at 6%.
David J. Spector & Associates Inc. 401(K) Profit Sharing Plan-5$2,023,944$50,835$10,167iApproximate average salary by contribution assumption: employee only about $254,175 at 4% or $169,450 at 6%; with 50% employer match about $169,450 at 4% or $112,967 at 6%; with 100% employer match about $127,088 at 4% or $84,725 at 6%.
David J. Spector & Associates Inc. Defined Benefit Pension Plan-5$398,303$18,303$3,661iApproximate average salary by contribution assumption: employee only about $91,515 at 4% or $61,010 at 6%; with 50% employer match about $61,010 at 4% or $40,673 at 6%; with 100% employer match about $45,758 at 4% or $30,505 at 6%.
201726$2,550,961$142,420$23,737iApproximate average salary by contribution assumption: employee only about $593,417 at 4% or $395,611 at 6%; with 50% employer match about $395,611 at 4% or $263,741 at 6%; with 100% employer match about $296,708 at 4% or $197,806 at 6%.
David J. Spector & Associates Inc. 401(K) Profit Sharing Plan-6$2,147,141$92,420$15,403iApproximate average salary by contribution assumption: employee only about $385,083 at 4% or $256,722 at 6%; with 50% employer match about $256,722 at 4% or $171,148 at 6%; with 100% employer match about $192,542 at 4% or $128,361 at 6%.
David J. Spector & Associates Inc. Defined Benefit Pension Plan-5$403,820$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%.
201626$2,506,949$133,991$22,332iApproximate average salary by contribution assumption: employee only about $558,296 at 4% or $372,197 at 6%; with 50% employer match about $372,197 at 4% or $248,131 at 6%; with 100% employer match about $279,148 at 4% or $186,099 at 6%.
David J. Spector & Associates Inc. 401(K) Profit Sharing Plan-6$2,202,734$80,991$13,499iApproximate average salary by contribution assumption: employee only about $337,463 at 4% or $224,975 at 6%; with 50% employer match about $224,975 at 4% or $149,983 at 6%; with 100% employer match about $168,731 at 4% or $112,488 at 6%.
David J. Spector & Associates Inc. Defined Benefit Pension Plan-4$304,215$53,000$13,250iApproximate average salary by contribution assumption: employee only about $331,250 at 4% or $220,833 at 6%; with 50% employer match about $220,833 at 4% or $147,222 at 6%; with 100% employer match about $165,625 at 4% or $110,417 at 6%.
201526$2,178,856$176,204$29,367iApproximate average salary by contribution assumption: employee only about $734,183 at 4% or $489,456 at 6%; with 50% employer match about $489,456 at 4% or $326,304 at 6%; with 100% employer match about $367,092 at 4% or $244,728 at 6%.
David J. Spector & Associates Inc. 401(K) Profit Sharing Plan-6$1,938,929$73,604$12,267iApproximate average salary by contribution assumption: employee only about $306,683 at 4% or $204,456 at 6%; with 50% employer match about $204,456 at 4% or $136,304 at 6%; with 100% employer match about $153,342 at 4% or $102,228 at 6%.
David J. Spector & Associates Inc. Defined Benefit Pension Plan-4$239,927$102,600$25,650iApproximate average salary by contribution assumption: employee only about $641,250 at 4% or $427,500 at 6%; with 50% employer match about $427,500 at 4% or $285,000 at 6%; with 100% employer match about $320,625 at 4% or $213,750 at 6%.
201426$2,118,146$178,826$29,804iApproximate average salary by contribution assumption: employee only about $745,108 at 4% or $496,739 at 6%; with 50% employer match about $496,739 at 4% or $331,159 at 6%; with 100% employer match about $372,554 at 4% or $248,369 at 6%.
David J. Spector & Associates Inc. 401(K) Profit Sharing Plan-6$1,977,214$37,894$6,316iApproximate average salary by contribution assumption: employee only about $157,892 at 4% or $105,261 at 6%; with 50% employer match about $105,261 at 4% or $70,174 at 6%; with 100% employer match about $78,946 at 4% or $52,631 at 6%.
David J. Spector & Associates Inc. Defined Benefit Pension Plan-3$140,932$140,932$46,977iApproximate average salary by contribution assumption: employee only about $1,174,433 at 4% or $782,956 at 6%; with 50% employer match about $782,956 at 4% or $521,970 at 6%; with 100% employer match about $587,217 at 4% or $391,478 at 6%.
201318$1,808,279$78,226$9,778iApproximate average salary by contribution assumption: employee only about $244,456 at 4% or $162,971 at 6%; with 50% employer match about $162,971 at 4% or $108,647 at 6%; with 100% employer match about $122,228 at 4% or $81,485 at 6%.
David J. Spector & Associates Inc. 401(K) Profit Sharing Plan-8$1,808,279$78,226$9,778iApproximate average salary by contribution assumption: employee only about $244,456 at 4% or $162,971 at 6%; with 50% employer match about $162,971 at 4% or $108,647 at 6%; with 100% employer match about $122,228 at 4% or $81,485 at 6%.
201218$1,468,511$10,327$1,291iApproximate average salary by contribution assumption: employee only about $32,272 at 4% or $21,515 at 6%; with 50% employer match about $21,515 at 4% or $14,343 at 6%; with 100% employer match about $16,136 at 4% or $10,757 at 6%.
David J. Spector & Associates Inc. 401(K) Profit Sharing Plan-8$1,468,511$10,327$1,291iApproximate average salary by contribution assumption: employee only about $32,272 at 4% or $21,515 at 6%; with 50% employer match about $21,515 at 4% or $14,343 at 6%; with 100% employer match about $16,136 at 4% or $10,757 at 6%.
201117$1,318,427$27,215$3,888iApproximate average salary by contribution assumption: employee only about $97,196 at 4% or $64,798 at 6%; with 50% employer match about $64,798 at 4% or $43,198 at 6%; with 100% employer match about $48,598 at 4% or $32,399 at 6%.
David J. Spector & Associates Inc. 401(K) Profit Sharing Plan-7$1,318,427$27,215$3,888iApproximate average salary by contribution assumption: employee only about $97,196 at 4% or $64,798 at 6%; with 50% employer match about $64,798 at 4% or $43,198 at 6%; with 100% employer match about $48,598 at 4% or $32,399 at 6%.
201017$1,309,136$93,067$13,295iApproximate average salary by contribution assumption: employee only about $332,382 at 4% or $221,588 at 6%; with 50% employer match about $221,588 at 4% or $147,725 at 6%; with 100% employer match about $166,191 at 4% or $110,794 at 6%.
David J. Spector & Associates Inc. 401(K) Profit Sharing Plan-7$1,309,136$93,067$13,295iApproximate average salary by contribution assumption: employee only about $332,382 at 4% or $221,588 at 6%; with 50% employer match about $221,588 at 4% or $147,725 at 6%; with 100% employer match about $166,191 at 4% or $110,794 at 6%.
200918$1,083,902$124,424$15,553iApproximate average salary by contribution assumption: employee only about $388,825 at 4% or $259,217 at 6%; with 50% employer match about $259,217 at 4% or $172,811 at 6%; with 100% employer match about $194,413 at 4% or $129,608 at 6%.
David J. Spector & Associates Inc. 401(K) Profit Sharing Plan-8$1,083,902$124,424$15,553iApproximate average salary by contribution assumption: employee only about $388,825 at 4% or $259,217 at 6%; with 50% employer match about $259,217 at 4% or $172,811 at 6%; with 100% employer match about $194,413 at 4% or $129,608 at 6%.
200817$807,811$157,128$22,447iApproximate average salary by contribution assumption: employee only about $561,171 at 4% or $374,114 at 6%; with 50% employer match about $374,114 at 4% or $249,410 at 6%; with 100% employer match about $280,586 at 4% or $187,057 at 6%.
David J. Spector & Associates Inc. 401(K) Profit Sharing Plan-7$807,811$157,128$22,447iApproximate average salary by contribution assumption: employee only about $561,171 at 4% or $374,114 at 6%; with 50% employer match about $374,114 at 4% or $249,410 at 6%; with 100% employer match about $280,586 at 4% or $187,057 at 6%.
200715$0$0-
David J. Spector & Associates Inc. 401(K) Profit Sharing Plan-5---
200613$702,530$83,600$27,867iApproximate average salary by contribution assumption: employee only about $696,667 at 4% or $464,444 at 6%; with 50% employer match about $464,444 at 4% or $309,630 at 6%; with 100% employer match about $348,333 at 4% or $232,222 at 6%.
David J. Spector & Associates Inc. 401(K) Profit Sharing Plan-3$702,530$83,600$27,867iApproximate average salary by contribution assumption: employee only about $696,667 at 4% or $464,444 at 6%; with 50% employer match about $464,444 at 4% or $309,630 at 6%; with 100% employer match about $348,333 at 4% or $232,222 at 6%.
200513$535,313$76,750$25,583iApproximate average salary by contribution assumption: employee only about $639,583 at 4% or $426,389 at 6%; with 50% employer match about $426,389 at 4% or $284,259 at 6%; with 100% employer match about $319,792 at 4% or $213,194 at 6%.
David J. Spector & Associates Inc. 401(K) Profit Sharing Plan-3$535,313$76,750$25,583iApproximate average salary by contribution assumption: employee only about $639,583 at 4% or $426,389 at 6%; with 50% employer match about $426,389 at 4% or $284,259 at 6%; with 100% employer match about $319,792 at 4% or $213,194 at 6%.
200414$434,573$76,202$19,051iApproximate average salary by contribution assumption: employee only about $476,263 at 4% or $317,508 at 6%; with 50% employer match about $317,508 at 4% or $211,672 at 6%; with 100% employer match about $238,131 at 4% or $158,754 at 6%.
David J. Spector & Associates Inc. 401(K) Profit Sharing Plan-4$434,573$76,202$19,051iApproximate average salary by contribution assumption: employee only about $476,263 at 4% or $317,508 at 6%; with 50% employer match about $317,508 at 4% or $211,672 at 6%; with 100% employer match about $238,131 at 4% or $158,754 at 6%.
200313$330,850$59,734$19,911iApproximate average salary by contribution assumption: employee only about $497,783 at 4% or $331,856 at 6%; with 50% employer match about $331,856 at 4% or $221,237 at 6%; with 100% employer match about $248,892 at 4% or $165,928 at 6%.
David J. Spector & Associates Inc. 401(K) Profit Sharing Plan-3$330,850$59,734$19,911iApproximate average salary by contribution assumption: employee only about $497,783 at 4% or $331,856 at 6%; with 50% employer match about $331,856 at 4% or $221,237 at 6%; with 100% employer match about $248,892 at 4% or $165,928 at 6%.
200212$238,020$40,000$20,000iApproximate average salary by contribution assumption: employee only about $500,000 at 4% or $333,333 at 6%; with 50% employer match about $333,333 at 4% or $222,222 at 6%; with 100% employer match about $250,000 at 4% or $166,667 at 6%.
David J. Spector & Associates Inc. 401(K) Profit Sharing Plan-2$238,020$40,000$20,000iApproximate average salary by contribution assumption: employee only about $500,000 at 4% or $333,333 at 6%; with 50% employer match about $333,333 at 4% or $222,222 at 6%; with 100% employer match about $250,000 at 4% or $166,667 at 6%.
200112$216,074$33,875$16,938iApproximate average salary by contribution assumption: employee only about $423,438 at 4% or $282,292 at 6%; with 50% employer match about $282,292 at 4% or $188,194 at 6%; with 100% employer match about $211,719 at 4% or $141,146 at 6%.
David J. Spector & Associates Inc. 401(K) Profit Sharing Plan-2$216,074$33,875$16,938iApproximate average salary by contribution assumption: employee only about $423,438 at 4% or $282,292 at 6%; with 50% employer match about $282,292 at 4% or $188,194 at 6%; with 100% employer match about $211,719 at 4% or $141,146 at 6%.