Citrin Cooperman Advisors LLC 401(k) Review & Grade
Citrin Cooperman Retirement Savings Plan
New York, NYProfessional, Scientific & Technical Services2,178 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,741Employer $ per active participant
$13,910Employee $ saved per active participant
0.00%Direct admin cost, % of plan assets
$369.8MNet plan assets, end of year
$127,912Average balance per account
Score breakdown
- Employer generosity22.4 / 5045th percentile for employer $ per participant
- Low cost24.9 / 25100th percentile for low admin cost vs. same-size plans
- Employee saving12.6 / 1584th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score53 / 100 · Grade C
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 45th |
| Lower admin cost | 100th |
| Employee saving | 84th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($235 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
What to do if you're in this plan
- Citrin Cooperman Advisors put in about $2,741 per active participant, below the typical peer ($3,082). Any match is still an instant return, so contribute enough to get all of it.
- The filing shows total dollars, not the match formula. Ask HR for the Summary Plan Description so you know the exact match and vesting schedule.
- Fund expense ratios aren't in the filing. Look them up in your 404(a)(5) fee disclosure and favor low-cost index or target-date funds.
- The plan reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- Changing jobs? You can usually leave the money in the plan, move it to your new employer's plan, or roll it into an IRA. Don't cash out: you'd owe taxes and possibly a 10% penalty.
The raw numbers from the filing
| Employer contributions | $5,970,210 |
| Participant (employee) contributions | $30,302,976 |
| Other contributions (incl. rollovers in) | $18,746,544 |
| Administrative expenses paid from the plan | $3,158 |
| Other admin expenses | $3,158 |
| Benefits paid out | $16,781,431 |
| Net assets, start / end of year | $292.0M / $369.8M |
| Active participants, start / end of year | 1,949 / 2,408 |
| Participants with account balances | 2,891 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Tmi CPA, P.C. |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015153625NAL0002566483004, received 2025-10-15, EIN 87-2525370, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.