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Original filing (PDF)20250731120655NAL0003044419001
MICROSOFT CARIBBEAN, INC.
Form 5500
FILING_RECEIVED
ONE MICROSOFT PUERTO RICO RETIREMENT PLAN
Defined-contribution retirement plan
Signals · 1
15% employer stock
Active participants
73
Accounts w/ balance
231
Plan assets (EOY)
$33.9M
Net assets (EOY)
$33.9M
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)
98
/ 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
88
Total plan cost
100
Vendor stack
100
Participation health
100
Knocking points off
- 15% of plan in employer / sponsor stock.
Helping the score
- Below-peer total fees (0 bps vs 29 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for MICROSOFT CARIBBEAN, INC..
Plan sponsor
Name
MICROSOFT CARIBBEAN, INC.
EIN
91-1590503
Address
CITY VIEW PLAZA 48 · CARR. 165 SUITE 107 · GUAYNABO, PR · 00968
Phone
(787) 273-3600
Industry
Custom Computer Programming· Professional & Technical Servicessee 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
2025-07-31
Pension benefit codes
2E · Profit-sharing
2G · Total participant-directed accounts
2T · Default investment account (QDIA)
3C · Not intended to be qualified
2F · ERISA section 404(c)
Audit & trust (Schedule H)
Auditor
DELOITTE & TOUCHE LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
1 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| BPPR - POPULAR FIDUCIARY SERVICES | 66-0561870 | — | TRUSTEE/RECORDKEEPER | $375 | — |
Investments
22 direct securities· $33.5M(99% of reported assets)
Uncategorized
$33.5M
21 holdings
Mutual Funds
$23K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| PLAN SPONSOR STOCK Microsoft Corporation ** Common Stock | — | — | — | $5.0M | 14.8% | |
| T Rowe Price Retirement 2040 Fund - Advisor Class Registered Investment Company | — | — | — | $4.3M | 12.7% | |
| T Rowe Price Growth Stock Fund - Advisor Class Registered Investment Company | — | — | — | $4.3M | 12.6% | |
| T Rowe Price Retirement 2030 Fund - Advisor Class Registered Investment Company | — | — | — | $4.1M | 12.0% | |
| Vanguard Windsor II Fund Investor Shares Registered Investment Company | — | — | — | $3.3M | 9.8% | |
| T Rowe Price Retirement 2050 Fund - Advisor Class Registered Investment Company | — | — | — | $1.7M | 5.1% | |
| BlackRock Total Return Fund Registered Investment Company | — | — | — | $1.7M | 4.9% | |
| T Rowe Price Retirement 2020 Fund - Advisor Class Registered Investment Company | — | — | — | $1.4M | 4.1% | |
| T Rowe Price Retirement 2045 Fund - Advisor Class Registered Investment Company | — | — | — | $1.4M | 4.0% | |
| American New Perspective Fund - Class R-4 Registered Investment Company | — | — | — | $1.3M | 3.9% | |
| T Rowe Price Retirement 2035 Fund - Advisor Class Registered Investment Company | — | — | — | $1.2M | 3.5% | |
| Columbia Small Cap Index Fund - Class A Registered Investment Company | — | — | — | $1.0M | 3.0% | |
| T Rowe Price Retirement 2055 Fund - Advisor Class Registered Investment Company | — | — | — | $745K | 2.2% | |
| MONEY MARKET FUNDS Federated Trust for U.S. Treasury Obligations Fund - Registered Investment Company Institutional Shares | — | — | — | $729K | 2.2% | |
| T Rowe Price Retirement 2060 Fund - Advisor Class Registered Investment Company | — | — | — | $380K | 1.1% | |
| T Rowe Price Retirement 2025 Fund - Advisor Class Registered Investment Company | — | — | — | $310K | 0.9% | |
| T Rowe Price Retirement 2010 Fund - Advisor Class Registered Investment Company | — | — | — | $303K | 0.9% | |
| MFS Research International Fund - Class A Registered Investment Company | — | — | — | $173K | 0.5% | |
| Participant Loans ** Interest 4.25% - 9.50%, maturing through September 2038 | — | — | — | $132K | 0.4% | |
| TIME DEPOSITS Banco Popular de Puerto Rico ** Interest 3.784% as of December 31, 2024 | — | — | — | $44K | 0.1% | |
| T Rowe Price Retirement 2015 Fund - Advisor Class Registered Investment Company | — | — | — | $27K | <0.1% | |
| S American Funds Bond Fund of Amer R4 Registered Investment Company | Mutual Funds | — | — | $23K | <0.1% |
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