Plan Ledger DOL Form 5500 · updated monthly

Cooperativa de Ahorro Y Credito Oriental401(k)

COOPERATIVA DE AHORRO Y CREDITO ORIENTAL RETIREMENT PLAN · HUMACAO, PR · plan year 2024

Reported admin expense ratio · 2024
0.33%

Peer grade: B+ · admin costs + employer contributions vs same-size plans · how grading works

Cooperativa de Ahorro Y Credito Oriental reported $19,030 in plan administrative expenses for 2024: 0.33% of average plan assets, below the peer median. Employer contributions averaged $2,004 per active participant. This ratio covers administrative expenses reported on the plan's Schedule H only; fund-level expense ratios are not included in public structured data — see methodology.

Across the 2 years on file its reported administrative ratio fell from 1.10% to 0.33%. The plan sits in the $1M–$10M size bracket, benchmarked here against 18,840 comparable plans and shown alongside other finance & insurance employers. By assets it is among the smaller plans on file in PR (163rd of 323), and 4,354th of 4,798 in finance & insurance. In 2024, employees put in $1.07 for every $1.00 the employer contributed; active participation has grown from 110 to 121 since 2022.

Plan summary
Net assets, end of year$6,226,906
Participants with balances151
Active participants121
Employer contributions$242,486
Employee contributions$260,106
Employer contribution per active participant$2,004
Average account balance$41,238
Benefits paid to participants$91,903
Plan auditUnmodified (clean) audit opinion
AuditorRODRIGUEZ SANABRIA & CO
Plan history3
Yearassets · accounts · employer contribution
2024$6.2M · 151 accts · $242K emplr
2023$5.1M · 150 accts · $216K emplr
2022$4.5M · 147 accts · $196K emplr
The Cooperativa de Ahorro Y Credito Oriental 401(k) match · 2024
Employer contribution per active participant$2,004
Median for plans this size$1,313
2024$2,004 per active participant
2023$1,860 per active participant
2022$1,784 per active participant

Cooperativa de Ahorro Y Credito Oriental's 2024 employer contribution ran above the $1,313 median for plans its size. Filings report dollars actually contributed, not the match formula; the formula itself (for example, 50% of the first 6% of pay) lives in the plan's summary plan description from HR.

What these fees cost you

Annual cost at the plan's reported 2024 administrative ratio, against the median plan its size; fund expense ratios are extra. Compare any plan.

Service providers · 20244
INDEPENDENT FINANCIAL GROUP · Investment advisory (plan)$13,901
EMPOWER ADVISORY GROUP LLC · Investment management$325
A & A EMPLYEE BENEFITS CONSULTING · Contract administratorindirect comp

Compensation shown is direct payments from plan assets reported on Schedule C. Providers paid through fund revenue-sharing appear as indirect.

Administrative cost history3
2024$19,030 · 0.33%
2023$16,316 · 0.34%
2022$53,832 · 1.10%
Similar plansFinance & Insurance · PR
Triple-S Salud PR$6.0M · 0.25%

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Source: U.S. Department of Labor, Form 5500 series, EIN 660287790 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.