Original filing (PDF)20251015051501NAL0001910243001

HOSPITAL EPISCOPAL SAN LUCAS PONCE

Name: HOSPITAL EPISCOPAL SAN LUCAS PONCE — PLAN DE RETIRO SAN LUCAS, Form 5500 (2024)
Creator: HOSPITAL EPISCOPAL SAN LUCAS PONCE

Form 5500

FILING_RECEIVED

PLAN DE RETIRO SAN LUCAS

401(k) retirement plan

Signals · 1

~283 bps in Sched C fees

Active participants

1,017

Accounts w/ balance

742

Plan assets (EOY)

$1.5M

Net assets (EOY)

$1.5M

How this plan invests

This plan

23 securities

funds · stocks · CUSIPs

Holdings are itemized directly on this plan's Schedule of Assets, below.

Plan health score (directional)

/ 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

Vendor stack

100

Participation health

100

Knocking points off

283 bps in Schedule C fees — 444% above peer band of 52 bps.

Decision-maker contacts

CFO / Head of HR / Benefits Manager — verified email + LinkedIn for HOSPITAL EPISCOPAL SAN LUCAS PONCE.

Plan sponsor

Name

HOSPITAL EPISCOPAL SAN LUCAS PONCE

EIN

66-0589727

Address

PO BOX 336810 · PONCE, PR · 007336810

Phone

(787) 844-2080

Industry

Health Care & Social Assistancesee all

Plan administrator

Same as plan sponsor.

Plan characteristics

Plan number

004

Plan year

2024

Plan year begin

2024-01-01

Tax period

2024-12-31

Filed

2025-10-15

Pension benefit codes

2E · Profit-sharing

2F · ERISA section 404(c)

2G · Total participant-directed accounts

2J · 401(k) feature

3C · Not intended to be qualified

Audit & trust (Schedule H)

Auditor

RRC CPA GROUP PSC

Trustee / custodian

—

Trustee phone

—

Service providers (Schedule C)

5 rows

Recordkeeper

Name	EIN	Location	Relation	Direct comp	Indirect comp
EMPOWER ANNUITY INSURANCE COMPANY	—	GREENWOOD VILLAGE, CO	RECORDKEEPER	$31K	—

Advisor / Consultant

Name	EIN	Location	Relation	Direct comp	Indirect comp
CYBELE CAPITAL MANAGEMENT LLC	—	PONCE, PR	INVESTMENT ADVISOR	$8K	—
KOVAC ADVISORS INC	—	FT LAUDERDALE, FL	INVESTMENT ADVISOR	$2K	—

Other

Name	EIN	Location	Relation	Direct comp	Indirect comp
EMPOWER ADVISORY GROUP, LLC	—	GREENWOOD VILLAGE, CO	INVESTMENT MNGT	$946	—
ENVESTMENT RETIREMENT SOLUTIONS LLC	—	DENVER, CO	OTHER	$459	—

Investments

23 direct securities· $1.5M(99% of reported assets)

Investment	Type	Shares / units	Cost	Current value	% of plan
BalckRock LifePath Index 2045	Mutual Funds	—	—	$215K	14.2%
BalckRock LifePath Index 2040	Mutual Funds	—	—	$178K	11.8%
BalckRock LifePath Index 2055	Mutual Funds	—	—	$165K	10.9%
BalckRock LifePath Index 2030	Mutual Funds	—	—	$153K	10.2%
BalckRock LifePath Index 2060	Mutual Funds	—	—	$147K	9.8%
BalckRock LifePath Index 2035	Mutual Funds	—	—	$133K	8.8%
BalckRock LifePath Index 2050	Mutual Funds	—	—	$126K	8.4%
BalckRock LifePath Index Retirement	Mutual Funds	—	—	$61K	4.0%
Fidelity Total International Index	Mutual Funds	—	—	$56K	3.7%
State Street Aggregate Bond Index	Mutual Funds	—	—	$55K	3.6%
Fidelity 5500 Index	Mutual Funds	—	—	$52K	3.4%
BalckRock LifePath Index 2065	Mutual Funds	—	—	$35K	2.3%
Franklin Small-Mid Cap Growth 112 Mutual Funds American Funds American Mutual	Mutual Funds	—	—	$33K	2.2%
Fidelity Mid Cap Index	Mutual Funds	—	—	$19K	1.3%
Fidelity Large Cap Growth Index	Mutual Funds	—	—	$13K	0.8%
PGIM Global Total Return R6	Mutual Funds	—	—	$11K	0.7%
DFA US Small Capm Growth Instl	Mutual Funds	—	—	$10K	0.6%
American Funds Inflation Linked Bd	Mutual Funds	—	—	$9K	0.6%
Invesco Small Cap Value	Mutual Funds	—	—	$8K	0.6%
Fidelity Small Cap Index	Mutual Funds	—	—	$7K	0.4%
Franklin Real Estate Securities	Mutual Funds	—	—	$5K	0.4%
Fidelity Advisor Mid Cap Value	Mutual Funds	—	—	$3K	0.2%
Fidelity Emerging Markets Index	Mutual Funds	—	—	$3K	0.2%