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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 | $145,431-83.0% | $211,142-88.3% | $87,485-71.7% |
| Participation rate | 100.0% | 84.7%+15.3pp | 87.3%+12.7pp | 68.9%+31.1pp |
| Annual return | 13.19% | 27.21%-14.0pp | 46.84%-33.6pp | 26.06%-12.9pp |
| Employer contribution / active EE | $1,356 | $4,662-70.9% | $6,442-79.0% | $2,596-47.8% |
| Participant deferral / active EE | $2,182 | $6,859-68.2% | $9,284-76.5% | $4,274-48.9% |
| Admin fee / account holder | $1,316 | $17,052-92.3% | $19,076-93.1% | $7,775-83.1% |