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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 PO BOX 9023794 · SAN JUAN, PR 009023794 | Recordkeeping | $112,213 |
ALBERTO R. LAZARO, PSC4+ years Service code 10 PO BOX 195613 · SAN JUAN, PR 009195613 | Accounting | $15,117 |
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.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $150,686 | $77,816+93.6% | $123,552+22.0% | $64,173+134.8% |
| Participation rate | 100.0% | 74.7%+25.3pp | 82.3%+17.7pp | 69.6%+30.4pp |
| Annual return | -5.17% | 12.49%-17.7pp | 119.20%-124.4pp | 7.63%-12.8pp |
| Employer contribution / active EE | $4,511 | $3,014+49.7% | $4,628-2.5% | $2,381+89.5% |
| Participant deferral / active EE | $5,971 | $5,240+14.0% | $6,426-7.1% | $3,470+72.1% |
| Admin fee / account holder | $660 | $5,519-88.0% | $9,285-92.9% | $4,887-86.5% |