Island Black Bean Hummus Toppers

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1 Tbsp. olive oil

1 cup chopped red onion

1 jalapeno pepper, seeded, finely chopped

1 can (15 oz.) black beans, rinsed

1/4 cup cilantro

1 tsp. lime zest

2 Tbsp. fresh lime juice

1/2 tsp. hot pepper sauce

72 RITZ Crackers

1/2 cup BREAKSTONE'S or KNUDSEN Sour Cream

1/2 cup finely chopped red peppers

1/2 cup finely chopped avocados