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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 16-1503696 | Recordkeeping | $20,052 |
BPAS2+ years Filed as: BPAS TRUST COMPANY OF PUERTO RICO Service code 21 · EIN 66-0795542 | Bank Trustee | $11,595 |
UBS FINANCIAL SERVICES INC2+ years Filed as: UBS FINANCIAL SERVICES INC. Service code 28 250 MUNOZ RIVERA AVENUE · SAN JUAN, PR 00918 | Investment Management | $11,592 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Plan appears closed to new enrollment or frozen - balance-holders far exceed active participants, or the plan reports active distributions with no inflows. Exclude from peer benchmarks.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $57,963 | $88,603-34.6% | $69,890-17.1% | $134,545-56.9% |
| Participation rate | 80.0% | 74.9%+5.1pp | 70.5%+9.5pp | 81.2%-1.2pp |
| Annual return | -15.99% | 442.93%-458.9pp | 190.84%-206.8pp | 418.37%-434.4pp |
| Employer contribution / active EE | $897 | $3,236-72.3% | $2,560-65.0% | $4,742-81.1% |
| Participant deferral / active EE | $2,137 | $4,771-55.2% | $3,848-44.5% | $6,401-66.6% |
| Admin fee / account holder | $357 | $10,443-96.6% | $6,267-94.3% | $11,431-96.9% |