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| Provider | Service type | Compensation |
|---|---|---|
ORIENTAL BANK6 years Service code 21 PO BOX 191429 · SAN JUAN, PR 009191429 | Bank Trustee | $8,328 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $13,714 | $78,636-82.6% | $105,607-87.0% | $74,459-81.6% |
| Participation rate | 49.6% | 72.8%-23.2pp | 75.3%-25.7pp | 67.2%-17.6pp |
| Annual return | 16.79% | 15.96%+0.8pp | 116.11%-99.3pp | 1369.70%-1352.9pp |
| Employer contribution / active EE | $827 | $2,523-67.2% | $3,167-73.9% | $2,626-68.5% |
| Participant deferral / active EE | $1,080 | $4,322-75.0% | $5,011-78.4% | $4,350-75.2% |
| Admin fee / account holder | $53 | $2,220-97.6% | $10,958-99.5% | $1,945-97.3% |