Inter American University of PR 401(k) match, vesting and fees
What Inter American University of PR's 401(k) plan says about matching contributions
Employee contributions are matched 100% by the Employer up to 5% of the participant’s annual compensation, as defined.
Quoted directly from the filing. Plan terms may have changed; check your current Summary Plan Description.
Plan features
Indented passages are quoted word for word from the audit report; plan terms may have changed since, so check your current Summary Plan Description.
| Employer match | Quoted from the filing above | 2024 audit report, p. 34 ↗ |
| Match vesting | Participants are 100% vested in their contributions and the Employer’s matching contributions, plus actual earnings thereon at all times. | 2024 audit report, p. 34 ↗ |
| Loans | Participants may borrow from their fund accounts up to a maximum loan amount equal to the lesser of $50,000 or 50% of their vested account balance. The loans are secured by the balance in the participant’s account and bear interest at 1% over the prime rate at the time funds are borrowed. Principal and interest are paid ratably through monthly payroll deductions. Loan repayments may be scheduled for up to 60 months. | 2024 audit report, p. 37 ↗ |
| Independent auditor | Galindez LLC (unmodified opinion, limited scope) | 2025 Schedule H ↗ |
| Plan type and status | 401(k) · Active | 2025 Form 5500 ↗ |
Match, vesting and other plan features are from the plan year 2024 filing's audit report (the latest one extracted so far). Rows cited to the Form 5500 and its schedules are from the plan year 2025 filing.
How the plan compares
Plan year 2025 medians for 93 defined-contribution plans in educational services with 1,000 to 4,999 participants.
| Inter American University of PR: employer contribution per participant | $1,264 | |
| Peer median | $2,292 |
| Inter American University of PR: average balance | $101,476 | |
| Peer median | $144,662 |
| Inter American University of PR: admin expenses ÷ assets | 0.02% | |
| Peer median | 0.08% |
Admin expenses are the plan's reported administrative expenses divided by its assets; they do not include fund expense ratios.
Plan history
Plan assets went from $211M at the end of plan year 2021 to $216M at the end of plan year 2025.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2025 | 2,167 | $216M | $2.7M | $1,264 | 0.02% | Not published | Form 5500 ↗ |
| 2024 | 2,151 | $199M | $2.7M | $1,288 | 0.01% | Quoted in the audit report, p. 34 ↗ | Form 5500 ↗ |
| 2023 | 2,739 | $188M | $2.7M | $1,293 | 0.02% | Not published | Form 5500 ↗ |
| 2022 | 2,201 | $173M | $2.8M | $1,300 | 0.02% | Not published | Form 5500 ↗ |
| 2021 | 2,257 | $211M | $3M | $1,384 | 0.02% | Not published | Form 5500 ↗ |
Common questions
Does Inter American University of PR match 401(k) contributions?
The audit report attached to the Inter American University of Pr Defined Contribution Retirement Plan's plan year 2024 Form 5500, page 34 says: “Employee contributions are matched 100% by the Employer up to 5% of the participant’s annual compensation, as defined.” Plan terms may have changed; check your current Summary Plan Description.
When is the Inter American University of PR 401(k) match vested?
The audit report attached to the plan year 2024 Form 5500, page 34 says: “Participants are 100% vested in their contributions and the Employer’s matching contributions, plus actual earnings thereon at all times.”
Who manages the Inter American University of PR 401(k)?
The filing names Inter American University of Pr as plan administrator; it does not list a recordkeeper.
I left Inter American University of PR. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (Inter American University of Pr, (787) 751-1420). The Inter American University of PR old 401(k) page lists the contacts from every plan filing. Find an old Inter American University of PR 401(k)
Data from the public Form 5500 annual reports Inter American University of PR filed with the U.S. Department of Labor (plan years 2021 and 2022 and 2023 and 2024 and 2025) and, where noted, the attached independent auditor's report. Plan terms may have changed since the filing; check your current Summary Plan Description. PlanFacts is not affiliated with Inter American University of PR. Not financial advice. Report a correction · Methodology