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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 16-1503696 | Recordkeeping | $23,393 |
Filed as: MASS MUTUAL Service code 26 273 PONCE DE LEON AVE. · SAN JUAN, PR 00917 | Advisory (Participants) | $13,649 |
BPAS4+ years Filed as: BPAS TRUST COMPANY OF PUERTO RICO Service code 19 · EIN 66-0795542 | Securities Custodian | $5,118 |
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).
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 | $5,257 | $54,213-90.3% | $93,696-94.4% | $77,736-93.2% |
| Participation rate | 98.3% | 64.0%+34.3pp | 68.7%+29.6pp | 70.6%+27.7pp |
| Annual return | 16.33% | 30.55%-14.2pp | 133.74%-117.4pp | 31.26%-14.9pp |
| Employer contribution / active EE | $690 | $1,168-41.0% | $2,422-71.5% | $2,728-74.7% |
| Participant deferral / active EE | $1,743 | $3,145-44.6% | $4,417-60.5% | $4,651-62.5% |
| Admin fee / account holder | $53 | $575-90.8% | $8,287-99.4% | $433-87.8% |