Plan Ledger DOL Form 5500 · updated monthly

Mm Packaging Puerto Rico Inc401(k)

ESSENTRA PACKAGING PR RETIREMENT PLAN · GUAYNABO, PR · plan year 2025

Reported admin expense ratio · 2025
0.05%

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

Mm Packaging Puerto Rico Inc reported $6,235 in plan administrative expenses for 2025: 0.05% of average plan assets, lower than ~75% of peers. Employer contributions averaged $1,673 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 3 years on file its reported administrative ratio fell from 0.09% to 0.05%. The plan sits in the $10M–$50M size bracket, benchmarked here against 1,620 comparable plans and shown alongside other manufacturing employers. By assets it is the 98th-largest of 323 plans among PR employers on file, and 7,506th of 13,661 in manufacturing. In 2025, employees put in $1.89 for every $1.00 the employer contributed; active participation has shrunk from 296 to 261 since 2022.

Plan summary
Net assets, end of year$13,646,466
Participants with balances279
Active participants261
Employer contributions$436,738
Employee contributions$824,617
Employer contribution per active participant$1,673
Average account balance$48,912
Benefits paid to participants$1,317,244
Plan auditUnmodified (clean) audit opinion
AuditorSHARON & GONZALEZ, CPA LLC
Plan history4
Yearassets · accounts · employer contribution
2025$13.6M · 279 accts · $437K emplr
2024$12.0M · 287 accts · $385K emplr
2023$10.3M · 312 accts · $356K emplr
2022$8.5M · 301 accts · $345K emplr
The Mm Packaging Puerto Rico Inc 401(k) match · 2025
Employer contribution per active participant$1,673
Median for plans this size$2,666
2025$1,673 per active participant
2024$1,299 per active participant
2023$1,160 per active participant
2022$1,165 per active participant

Mm Packaging Puerto Rico Inc's 2025 employer contribution ran below the $2,666 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 2025 administrative ratio, against the median plan its size; fund expense ratios are extra. Compare any plan.

Service providers · 20252
PENSION ADMINISTRATORS GROUP, INC. · Recordkeepingindirect comp
FIDELITY INVESTMENTS · Investment managementindirect comp

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

Recordkeeper by year3
2025PENSION ADMINISTRATORS GROUP, INC.
2024PENSION ADMINISTRATORS GROUP, INC.
2023PENSION ADMINISTRATORS GROUP, INC.

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Administrative cost history4
2025$6,235 · 0.05%
2024$7,728 · 0.07%
2023$5,100 · 0.05%
2022$8,900 · 0.09%
Similar plansManufacturing · PR
Henkel Puerto Rico, Inc. PR$20.0M · 0.09%
Combe Products Inc PR$15.0M · 0.17%
Destileria Serralles PR$11.8M · 0.41%
Pan American Grain Mfg. Co PR$11.7M · 0.03%

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Source: U.S. Department of Labor, Form 5500 series, EIN 660442252 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.