Salud Integral En La Montana 401(k) Review & Grade
Plan De Retiro De Salud Integral En La Montana
Naranjito, PRHealth Care & Social Assistance751 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$3,359Employer $ per active participant
$1,496Employee $ saved per active participant
0.62%Direct admin cost, % of plan assets
$23.4MNet plan assets, end of year
$30,863Average balance per account
Score breakdown
- Employer generosity42.5 / 5085th percentile for employer $ per participant
- Low cost4.2 / 2517th percentile for low admin cost vs. same-size plans
- Employee saving5.0 / 1533th percentile for employee $ per participant
- Plan features0 / 10No auto-enrollment or default investment reported
Total score52 / 100 · Grade C
This plan vs. peers
Peers: Health Care & Social Assistance plans with 500–2,499 active participants (1,427 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 85th |
| Lower admin cost | 17th |
| Employee saving | 33th |
| Peers that auto-enroll | 36% |
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Red flags from the filing
No red flags were reported on this filing's compliance questions.
What to do if you're in this plan
- Salud Integral En La Montana put in about $3,359 per active participant, more than the typical peer ($976). Contribute at least enough to collect the full match. Skipping it leaves part of your pay on the table.
- The filing shows total dollars, not the match formula. Ask HR for the Summary Plan Description so you know the exact match and vesting schedule.
- Direct plan expenses (0.62% of assets) are well above similar-size plans (0.23%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- Changing jobs? You can usually leave the money in the plan, move it to your new employer's plan, or roll it into an IRA. Don't cash out: you'd owe taxes and possibly a 10% penalty.
The raw numbers from the filing
| Employer contributions | $2,522,966 |
| Participant (employee) contributions | $1,123,678 |
| Other contributions (incl. rollovers in) | $8,370 |
| Administrative expenses paid from the plan | $130,596 |
| Other admin expenses | $130,596 |
| Benefits paid out | $977,954 |
| Net assets, start / end of year | $19.0M / $23.4M |
| Active participants, start / end of year | 743 / 759 |
| Participants with account balances | 759 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | RRC CPA Group, PSC |
Largest service providers (Schedule C)
| The 401k Company of Puerto Rico Inc | $115,437 reported compensation |
| Oriental Bank & Trust | $32,219 reported compensation |
| Nationwide Planning Associates Inc | $25,517 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260415135158NAL0017053457001, received 2026-04-15, EIN 66-0329532, plan #001, plan year 2024-07-01 to 2025-06-30. Verify at efast.dol.gov.