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| Provider | Service type | Compensation |
|---|---|---|
UBS FINANCIAL SERVICES INC6+ years Filed as: UBS FINANCIAL SERVICES OF PR Service code 27 250 MUNOS RIVERA AVE PH FLOOR · SAN JUAN, PR 00918 | Advisory (Plan) | $7,971 |
Filed as: BENEFITS PLANS ADMIN SERVICES Service code 15 · EIN 16-1503696 | Recordkeeping | $5,559 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
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).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $2,399 | $29,507-91.9% | $56,025-95.7% | $77,762-96.9% |
| Participation rate | 63.2% | 32.7%+30.4pp | 52.5%+10.6pp | 70.6%-7.4pp |
| Annual return | 10.38% | 18.90%-8.5pp | 1712.69%-1702.3pp | 31.27%-20.9pp |
| Employer contribution / active EE | $0 | $570-100.0% | $1,042-100.0% | $2,728-100.0% |
| Participant deferral / active EE | $545 | $1,062-48.7% | $1,955-72.1% | $4,651-88.3% |
| Admin fee / account holder | $25 | $1,041-97.6% | $2,828-99.1% | $433-94.3% |