Back to filter
Original filing (PDF)20251014114720NAL0003833552001
COOPERATIVA DE AHORRO Y CREDITO DE BARRANQUITAS
Form 5500
FILING_RECEIVED
COOPERATIVA DE AHORRO Y CREDITO DE BARRANQUITAS SALARY DEFERRAL RETIREMENT PLAN
Defined-contribution retirement plan
Signals · 3
~83 bps in Sched C feesNo recordkeeper disclosed6 service providers
Active participants
126
Accounts w/ balance
126
Plan assets (EOY)
$3.7M
Net assets (EOY)
$3.7M
How this plan invests
This plan
30 pooled trusts
Schedule D
31 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
89
/ 100
Grade A
Top-tier plan health
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
100
Concentration risk
100
Total plan cost
65
Vendor stack
80
Participation health
100
Knocking points off
- 83 bps in Schedule C fees — 60% above peer band of 52 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for COOPERATIVA DE AHORRO Y CREDITO DE BARRANQUITAS.
Plan sponsor
Name
COOPERATIVA DE AHORRO Y CREDITO DE BARRANQUITAS
EIN
66-0266453
Address
PO BOX 686 · BARRANQUITAS, PR · 007940686
Phone
(787) 751-5656
Industry
Finance & Insurancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
001
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-14
Pension benefit codes
2E · Profit-sharing
2G · Total participant-directed accounts
3C · Not intended to be qualified
Audit & trust (Schedule H)
Auditor
LUIS CANDELARIO ROSARIO CPA
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
6 rowsAdvisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| NATIONWIDE PLANNING ASSOCIATES INC. | — | FAIR LAWN, NJ | INVESTMENT ADVISOR | $13K | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| THE 401K COMPANY OF PUERTO RICO INC | — | GUAYNABO, PR | CONTRACT ADMIN | $3K | — |
Other
4| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE COMPANY | — | GREENWOOD VILLAGE, CO | RECORKEEPER | $8K | — |
| CANDELARIO ROSARIO, LUIS | — | CAYEY, PR | OTHER | $4K | — |
| CONSULTIVA WEALTH MANAGEMENT CORP | — | SAN JUAN, PR | OTHER | $2K | — |
| PENSIONS ADMINISTRATORS GROUP INC. | — | SAN JUAN, PR | OTHER | -$531 | — |
Investments
2 direct securities · 30 pooled funds· $3.8M(100% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Their holdings are itemized on each fund’s own Form 5500.
Pooled Separate Account
$3.7M
30 holdings
Uncategorized
$63K
2 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| KEY GUARANTEED PORTFOLIO FUND EMPOWER ANNUITY INSURANCE · EIN 84-0467907 / PN 000 | Pooled Separate Account | — | — | $889K | 23.9% | |
| PUTNAM LARGE CAP VALUE EMPOWER ANNUITY INSURANCE · EIN 84-0467907 / PN 000 | Pooled Separate Account | — | — | $435K | 11.7% | |
| AMERICAN FUNDS INT'L VNTG EMPOWER ANNUITY INSURANCE · EIN 84-0467907 / PN 000 | Pooled Separate Account | — | — | $328K | 8.8% | |
| FIDELITY GROWTH DISCOVELY EMPOWER ANNUITY INSURANCE · EIN 84-0467907 / PN 000 | Pooled Separate Account | — | — | $296K | 8.0% | |
| AMERICAN FUNDS NEW WORLD EMPOWER ANNUITY INSURANCE · EIN 84-0467907 / PN 000 | Pooled Separate Account | — | — | $221K | 6.0% | |
| STATE STREET HEDGE INT'L DEV EQ IDX EMPOWER ANNUITY INSURANCE · EIN 84-0467907 / PN 000 | Pooled Separate Account | — | — | $177K | 4.8% | |
| FIDELITY ADVISOR TOTAL BOND EMPOWER ANNUITY INSURANCE · EIN 84-0467907 / PN 000 | Pooled Separate Account | — | — | $123K | 3.3% | |
| AMERICAN FUNDS TARGET RET 2045 EMPOWER ANNUITY INSURANCE · EIN 84-0467907 / PN 000 | Pooled Separate Account | — | — | $107K | 2.9% | |
| PGIM US REAL ESTATE EMPOWER ANNUITY INSURANCE · EIN 84-0467907 / PN 000 | Pooled Separate Account | — | — | $97K | 2.6% | |
| FIDELITY PURITAN EMPOWER ANNUITY INSURANCE · EIN 84-0467907 / PN 000 | Pooled Separate Account | — | — | $96K | 2.6% | |
| AMERICAN FUNDS TARGET RET 2030 EMPOWER ANNUITY INSURANCE · EIN 84-0467907 / PN 000 | Pooled Separate Account | — | — | $91K | 2.5% | |
| HARTFORD BALANCE INCOME Y EMPOWER ANNUITY INSURANCE · EIN 84-0467907 / PN 000 | Pooled Separate Account | — | — | $90K | 2.4% | |
| FIDELITY MID CAP STOCK EMPOWER ANNUITY INSURANCE · EIN 84-0467907 / PN 000 | Pooled Separate Account | — | — | $77K | 2.1% | |
| JANUS HENDERSON ENTERPRISE EMPOWER ANNUITY INSURANCE · EIN 84-0467907 / PN 000 | Pooled Separate Account | — | — | $76K | 2.0% | |
| FIDELITY LOW PRICED STOCK EMPOWER ANNUITY INSURANCE · EIN 84-0467907 / PN 000 | Pooled Separate Account | — | — | $74K | 2.0% | |
| BNY MELLON NATURAL RESOURCES EMPOWER ANNUITY INSURANCE · EIN 84-0467907 / PN 000 | Pooled Separate Account | — | — | $68K | 1.8% | |
| DFA SELECTIVELY HEDGED GLOBAL EMPOWER ANNUITY INSURANCE · EIN 84-0467907 / PN 000 | Pooled Separate Account | — | — | $63K | 1.7% | |
| DFA Selectively Hedged Global Mutual Fund - Register Investment Company | — | — | — | $62K | 1.7% | |
| DFA US SMALL CAP GROWTH INST EMPOWER ANNUITY INSURANCE · EIN 84-0467907 / PN 000 | Pooled Separate Account | — | — | $55K | 1.5% | |
| VANGUARD SMALL CAP INDEX ADM EMPOWER ANNUITY INSURANCE · EIN 84-0467907 / PN 000 | Pooled Separate Account | — | — | $53K | 1.4% | |
| UNDISCOVERED MGRS BEHAVIORAL VALUE EMPOWER ANNUITY INSURANCE · EIN 84-0467907 / PN 000 | Pooled Separate Account | — | — | $53K | 1.4% | |
| BRANDYWINEGLOBAL CORPORATE CREDIT EMPOWER ANNUITY INSURANCE · EIN 84-0467907 / PN 000 | Pooled Separate Account | — | — | $48K | 1.3% | |
| AMERICAN FUNDS TARGET RET 2060 EMPOWER ANNUITY INSURANCE · EIN 84-0467907 / PN 000 | Pooled Separate Account | — | — | $38K | 1.0% | |
| T ROWE PRICE INSTL FLOATING RATE EMPOWER ANNUITY INSURANCE · EIN 84-0467907 / PN 000 | Pooled Separate Account | — | — | $36K | 1.0% | |
| AMERICAN FUNDS TARGET RET 2055 EMPOWER ANNUITY INSURANCE · EIN 84-0467907 / PN 000 | Pooled Separate Account | — | — | $35K | 0.9% | |
| AMERICAN FUNDS EMEGING MARKETS BD EMPOWER ANNUITY INSURANCE · EIN 84-0467907 / PN 000 | Pooled Separate Account | — | — | $34K | 0.9% | |
| AMERICAN FUNDS TARGET RET 2050 EMPOWER ANNUITY INSURANCE · EIN 84-0467907 / PN 000 | Pooled Separate Account | — | — | $29K | 0.8% | |
| AMERICAN FUNDS TARGET RET 2065 EMPOWER ANNUITY INSURANCE · EIN 84-0467907 / PN 000 | Pooled Separate Account | — | — | $17K | 0.5% | |
| AMERICAN FUNDS TARGET RET 2040 EMPOWER ANNUITY INSURANCE · EIN 84-0467907 / PN 000 | Pooled Separate Account | — | — | $5K | 0.1% | |
| AMERICAN FUNDS TARGET RET 2035 EMPOWER ANNUITY INSURANCE · EIN 84-0467907 / PN 000 | Pooled Separate Account | — | — | $4K | 0.1% | |
| AMERICAN FUNDS GROWTH & INC PORT EMPOWER ANNUITY INSURANCE · EIN 84-0467907 / PN 000 | Pooled Separate Account | — | — | $2K | <0.1% | |
| COOPERATIVA DE AHORRO Y CREDITO DE BARRANQUITAS SALARY DEFERRAL RETIREMENT PLAN 1081.01D | — | — | — | $1K | <0.1% |