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| Provider | Service type | Compensation |
|---|---|---|
ORIENTAL BANK5 years Service code 21 PO BOX 191429 · SAN JUAN, PR 009191429 | Bank Trustee | $26,789 |
ORIENTAL PENSION CONSULTANTS6 years Service code 15 · EIN 59-2356441 | Recordkeeping | $25,037 |
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $7,894 | $26,906-70.7% | $61,501-87.2% | $77,906-89.9% |
| Participation rate | 79.4% | 33.4%+45.9pp | 52.6%+26.8pp | 73.7%+5.7pp |
| Annual return | -16.68% | -14.46%-2.2pp | 339.04%-355.7pp | 12.16%-28.8pp |
| Employer contribution / active EE | $439 | $521-15.7% | $1,160-62.1% | $2,846-84.6% |
| Participant deferral / active EE | $693 | $1,180-41.3% | $2,125-67.4% | $4,805-85.6% |
| Admin fee / account holder | $21 | $117-81.9% | $2,132-99.0% | $133-84.0% |