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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 16-1503696 6 RHOADS DRIVE · UTICA, NY 13502 | Recordkeeping | $22,129 |
UBS FINANCIAL SERVICES INC6+ years Filed as: UBS TRUST COMPANY OF PR Service code 21 · EIN 66-0532499 9TH FLOOR AMERICAN INTERNATIONAL PL · SAN JUAN, PR 00918 | Bank Trustee | $18,662 |
RSM US LLP4 years Filed as: RSM PUERTO RICO Service code 10 · EIN 66-0388756 P.O. BOX 10528 · SAN JUAN, PR 009220528 | Accounting | $15,787 |
BPAS1 year Filed as: BPAS TRUST CO OF PUERTO RICO Service code 25 · EIN 66-0795542 1225 PONCE DE LEON AVE · SAN JUAN, PR 00907 | Directed Trustee | $10,128 |
Filed as: DIMEO SCHNEIDER Service code 27 500 WEST MADISON STREET · CHICAGO, IL 60661 | Advisory (Plan) | $1,376 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $27,448 | $58,895-53.4% | $178,503-84.6% | $73,497-62.7% |
| Participation rate | 98.0% | 66.2%+31.7pp | 81.9%+16.0pp | 70.7%+27.3pp |
| Annual return | 13.23% | 24.86%-11.6pp | 151.12%-137.9pp | 28.51%-15.3pp |
| Employer contribution / active EE | $1,289 | $2,236-42.4% | $5,011-74.3% | $2,270-43.2% |
| Participant deferral / active EE | $2,395 | $2,567-6.7% | $5,202-54.0% | $3,740-35.9% |
| Admin fee / account holder | $312 | $400-22.0% | $13,987-97.8% | $513-39.1% |