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| Provider | Service type | Compensation |
|---|---|---|
ORIENTAL BANK4 years Service code 21 PO BOX 191429 · SAN JUAN, PR 009191429 | Bank Trustee | $41,651 |
Filed as: FUTURE CAPITAL Service code 26 1110 MARKET STREET, SUITE 402 · CHATTANOOGA, TN 37402 | Advisory (Participants) | $33,556 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $67,677 | $101,591-33.4% | $147,096-54.0% | $74,429-9.1% |
| Participation rate | 100.0% | 75.5%+24.5pp | 82.2%+17.8pp | 67.2%+32.8pp |
| Annual return | 10.65% | 8746.45%-8735.8pp | 419.75%-409.1pp | 1368.38%-1357.7pp |
| Employer contribution / active EE | $1,164 | $3,813-69.5% | $4,936-76.4% | $2,625-55.7% |
| Participant deferral / active EE | $4,176 | $7,302-42.8% | $8,071-48.3% | $4,348-4.0% |
| Admin fee / account holder | $521 | $1,750-70.2% | $13,005-96.0% | $1,944-73.2% |