Original filing (PDF)20250731095229NAL0012828898001

PROGRAMA DE SERVICIOS DE SALUD EN EL HOGAR Y HOSPICIO SAN LUCAS

Name: PROGRAMA DE SERVICIOS DE SALUD EN EL HOGAR Y HOSPICIO SAN LUCAS — ST LUKE HOME CARE AND HOSPICE RETIREMENT PLAN, Form 5500 (2024)
Creator: PROGRAMA DE SERVICIOS DE SALUD EN EL HOGAR Y HOSPICIO SAN LUCAS

Form 5500

FILING_RECEIVED

ST LUKE HOME CARE AND HOSPICE RETIREMENT PLAN

401(k) retirement plan

Signals · 2

28% in single holding~82 bps in Sched C fees

Active participants

637

Accounts w/ balance

280

Plan assets (EOY)

$5.1M

Net assets (EOY)

$5.1M

How this plan invests

This plan

19 securities

funds · stocks · CUSIPs

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

Plan health score (directional)

/ 100

Grade B

Above-average plan

Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.

Compliance & disclosures

100

Concentration risk

Total plan cost

Vendor stack

100

Participation health

Knocking points off

Top holding "State Street Target Retirement 2030 K Mutual Funds" is 28% of plan.
82 bps in Schedule C fees — 59% above peer band of 52 bps.
Only 44% as many balances as active participants — suggests many active employees aren't deferring.

Decision-maker contacts

CFO / Head of HR / Benefits Manager — verified email + LinkedIn for PROGRAMA DE SERVICIOS DE SALUD EN EL HOGAR Y HOSPICIO SAN LUCAS.

Plan sponsor

Name

PROGRAMA DE SERVICIOS DE SALUD EN EL HOGAR Y HOSPICIO SAN LUCAS

EIN

66-0592943

Address

PO BOX 7064 · PONCE, PR · 007327064

Phone

(787) 843-4185

Industry

Health Care & Social Assistancesee all

Plan administrator

Same as plan sponsor.

Plan characteristics

Plan number

002

Plan year

2024

Plan year begin

2024-01-01

Tax period

2024-12-31

Filed

2025-07-31

Pension benefit codes

2E · Profit-sharing

2F · ERISA section 404(c)

2G · Total participant-directed accounts

2J · 401(k) feature

2K · 401(m) arrangement

3C · Not intended to be qualified

Audit & trust (Schedule H)

Auditor

RRC CPA GROUP, PSC

Trustee / custodian

—

Trustee phone

—

Service providers (Schedule C)

3 rows

Recordkeeper

Name	EIN	Location	Relation	Direct comp	Indirect comp
EMPOWER ANNUITY INSURANCE COMPANY O	—	GREENWOOD VILLAGE, CO	RECORDKEEPER	$26K	—

TPA / Administrator

Name	EIN	Location	Relation	Direct comp	Indirect comp
PENSION ADMINISTRATORS GROUP	—	SAN JUAN, PR	CONTRACT ADMIN	$16K	—

Other

Name	EIN	Location	Relation	Direct comp	Indirect comp
EMPOWER ADVISORY GROUP, LLC	—	GREENWOOD VILLAGE, CO	INVESTMENT MGMT	$798	—

Investments

19 direct securities· $5.1M(100% of reported assets)

Investment	Type	Shares / units	Cost	Current value	% of plan
State Street Target Retirement 2030 K Mutual Funds	—	—	—	$1.5M	28.4%
State Street Target Retirement 2040 K Mutual Funds	—	—	—	$854K	16.7%
State Street Target Retirement 2025 K Mutual Funds	—	—	—	$815K	15.9%
State Street Target Retirement 2035 K Mutual Funds	—	—	—	$772K	15.1%
State Street Target Retirement 2045 K Mutual Funds	—	—	—	$281K	5.5%
State Street Target Retirement 2050 K Mutual Funds	—	—	—	$217K	4.2%
State Street Target Retirement K Mutual Funds	—	—	—	$166K	3.2%
Key Guaranteed Portfolio Fund Fixed Annuities	—	—	—	$159K	3.1%
State Street Target Retirement 2020 K Mutual Funds	—	—	—	$95K	1.9%
State Street Target Retirement 2055 K Mutual Funds	—	—	—	$92K	1.8%
Fidelity 500 Index Mutual Funds	—	—	—	$76K	1.5%
State Street Target Retirement 2060 K Mutual Funds	—	—	—	$39K	0.8%
Fidelity US Bond Index Mutual Funds	—	—	—	$23K	0.4%
Fidelity International Index Mutual Funds	—	—	—	$18K	0.4%
Fidelity Mid Cap Index Mutual Funds	—	—	—	$16K	0.3%
Ishares MCI EAFE International Index K Mutual Funds	—	—	—	$14K	0.3%
Fidelity NASDAQ Composite Index Mutual Funds	—	—	—	$13K	0.3%
Fidelity Small Cap Index Mutual Funds	—	—	—	$10K	0.2%
American Funds American Mutual Fund Class R-6 Mutual Funds	—	—	—	$6K	0.1%