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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 PO BOX 9023794 · SAN JUAN, PR 009023794 | Recordkeeping | $89,828 |
ALBERTO R. LAZARO, PSC1+ years Service code 10 PO BOX 195613 · SAN JUAN, PR 009195613 | Accounting | $13,301 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Assets per participant exceed $250,000 - top-decile high-value plan.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $348,955 | $72,177+383.5% | $115,037+203.3% | $59,633+485.2% |
| Participation rate | 0.0% | 72.6%-72.6pp | 81.4%-81.4pp | 68.7%-68.7pp |
| Annual return | 3.14% | 12.02%-8.9pp | 26.14%-23.0pp | 2041.40%-2038.3pp |
| Employer contribution / active EE | $5,381 | $2,841+89.4% | $4,608+16.8% | $2,203+144.3% |
| Participant deferral / active EE | $6,404 | $4,783+33.9% | $6,026+6.3% | $3,192+100.7% |
| Admin fee / account holder | $1,193 | $4,927-75.8% | $8,175-85.4% | $4,297-72.2% |