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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 PO BOX 9023794 · SAN JUAN, PR 009023794 | Recordkeeping | $119,047 |
ALBERTO R. LAZARO, PSC6+ years Service code 10 PO BOX 195613 · SAN JUAN, PR 009195613 | Accounting | $16,267 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Retirees and beneficiaries make up 25% or more of total participants - indicates an ageing workforce or a frozen plan.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $210,624 | $98,760+113.3% | $149,715+40.7% | $79,858+163.7% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.5%+17.5pp | 69.6%+30.4pp |
| Annual return | 17.08% | 27.43%-10.3pp | 276.66%-259.6pp | 31.72%-14.6pp |
| Employer contribution / active EE | $4,615 | $3,217+43.5% | $4,645-0.6% | $2,471+86.8% |
| Participant deferral / active EE | $5,784 | $5,681+1.8% | $6,842-15.5% | $3,740+54.7% |
| Admin fee / account holder | $489 | $6,053-91.9% | $9,310-94.7% | $5,306-90.8% |