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| Provider | Service type | Compensation |
|---|---|---|
RODRIGUEZ TORRES4 years Service code 27 273 AVE PONCE DE LEON AVE 1400 · SAN JUAN, PR 00917 | Advisory (Plan) | $38,890 |
Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $35,636 |
ORIENTAL BANK4 years Filed as: ORIENTAL BANK & TRUST Service code 25 PO BOX 191429 · SAN JUAN, PR 009191429 | Directed Trustee | $29,226 |
PENSION PLUS INC4 years Service code 13 PO BOX 366281 · SAN JUAN, PR 00936 | Contract Administrator | $10,982 |
Filed as: LEAFT HOUSE FINANCIAL ADVISORS LLC Service code 99 6504 BRIDGE POINT PKWY STE 450 · AUSTIN, TX 78730 | Other Fees | $9,723 |
PSV & COMPANY PSC4 years Service code 10 PO BOX 363247 · SAN JUAN, PR 009363247 | Accounting | $5,720 |
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.
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).
Retirees and beneficiaries make up 25% or more of total participants - indicates an ageing workforce or a frozen plan.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $97,783 | $89,465+9.3% | $165,100-40.8% | $77,762+25.7% |
| Participation rate | 46.5% | 78.6%-32.2pp | 78.6%-32.1pp | 70.6%-24.1pp |
| Annual return | 10.88% | 28.86%-18.0pp | 70.21%-59.3pp | 31.27%-20.4pp |
| Employer contribution / active EE | $1,290 | $2,565-49.7% | $4,348-70.3% | $2,728-52.7% |
| Participant deferral / active EE | $2,457 | $4,904-49.9% | $6,035-59.3% | $4,651-47.2% |
| Admin fee / account holder | $406 | $340+19.5% | $12,696-96.8% | $433-6.2% |