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| Provider | Service type | Compensation |
|---|---|---|
ORIENTAL BANK2 years Service code 21 PO BOX 191429 · SAN JUAN, PR 009191429 | Bank Trustee | $6,162 |
ORIENTAL PENSION CONSULTANTS2 years Service code 15 · EIN 59-2356441 | Recordkeeping | $1,125 |
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).
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $7,069 | $70,917-90.0% | $98,916-92.9% | $73,493-90.4% |
| Participation rate | 55.7% | 73.8%-18.1pp | 76.0%-20.3pp | 70.7%-15.0pp |
| Annual return | 24.51% | 34.18%-9.7pp | 196.45%-171.9pp | 28.51%-4.0pp |
| Employer contribution / active EE | $657 | $2,037-67.8% | $2,689-75.6% | $2,270-71.1% |
| Participant deferral / active EE | $878 | $3,501-74.9% | $4,245-79.3% | $3,740-76.5% |
| Admin fee / account holder | $50 | $535-90.7% | $6,642-99.2% | $513-90.3% |