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| Provider | Service type | Compensation |
|---|---|---|
ORIENTAL BANK2 years Filed as: ORIENTAL BANK AND TRUST Service code 24 · EIN 66-0259436 | Discretionary Trustee | $5,770 |
CPA MAGALY LEON2 years Service code 10 · EIN 66-0564494 | Accounting | $5,000 |
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.
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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $7,311 | $66,319-89.0% | $93,621-92.2% | $65,185-88.8% |
| Participation rate | 55.1% | 74.0%-18.9pp | 75.8%-20.8pp | 70.2%-15.1pp |
| Annual return | 18.88% | 42.59%-23.7pp | 32.76%-13.9pp | 29.38%-10.5pp |
| Employer contribution / active EE | $649 | $2,013-67.7% | $2,719-76.1% | $2,177-70.2% |
| Participant deferral / active EE | $1,473 | $3,343-55.9% | $4,070-63.8% | $3,514-58.1% |
| Admin fee / account holder | $113 | $6,900-98.4% | $7,890-98.6% | $847-86.6% |