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| Provider | Service type | Compensation |
|---|---|---|
ORIENTAL BANK4 years Filed as: ORIENTAL BANK AND TRUST Service code 25 P O BOX 191429 · SAN JUAN, PR 00919 | Directed Trustee | $5,488 |
Filed as: EMPOWER ANNUTY INSURANCE COMPANY OF Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $3,634 |
Service code 13 P O BOX 364173 · SAN JUAN, PR 00936 | Contract Administrator | $1,302 |
Filed as: EMPOWER ADVISORY GROUP LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $44 |
Participant contribution per participant is in the bottom quintile of the peer cohort.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Retirees and beneficiaries make up 25% or more of total participants - indicates an ageing workforce or a frozen plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $24,788 | $146,267-83.1% | $197,124-87.4% | $82,448-69.9% |
| Participation rate | 100.0% | 84.0%+16.0pp | 86.7%+13.3pp | 68.1%+31.9pp |
| Annual return | 13.19% | 29.61%-16.4pp | 44.34%-31.2pp | 41.64%-28.5pp |
| Employer contribution / active EE | $1,356 | $4,723-71.3% | $6,227-78.2% | $2,551-46.9% |
| Participant deferral / active EE | $2,182 | $7,035-69.0% | $9,135-76.1% | $4,139-47.3% |
| Admin fee / account holder | $1,316 | $14,422-90.9% | $16,298-91.9% | $7,234-81.8% |