Ent and Allergy Associates, LLP 401(k) Review & Grade
Ent and Allergy Associates, LLP 401(k) Profit Sharing Plan II
Tarrytown, NYHealth Care & Social Assistance920 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$7,335Employer $ per active participant
$3,156Employee $ saved per active participant
0.11%Direct admin cost, % of plan assets
$88.0MNet plan assets, end of year
$97,846Average balance per account
Score breakdown
- Employer generosity47.8 / 5096th percentile for employer $ per participant
- Low cost17.8 / 2571th percentile for low admin cost vs. same-size plans
- Employee saving8.7 / 1558th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score84 / 100 · Grade A
This plan vs. peers
Peers: Health Care & Social Assistance plans with 500–2,499 active participants (1,427 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 96th |
| Lower admin cost | 71th |
| Employee saving | 58th |
| Peers that auto-enroll | 36% |
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Red flags from the filing
No red flags were reported on this filing's compliance questions.
What to do if you're in this plan
- Ent and Allergy Associates, LLP put in about $7,335 per active participant, more than the typical peer ($976). Contribute at least enough to collect the full match. Skipping it leaves part of your pay on the table.
- 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 auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- 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 | $6,752,214 |
| Participant (employee) contributions | $2,904,645 |
| Other contributions (incl. rollovers in) | $1,300,610 |
| Administrative expenses paid from the plan | $89,758 |
| Contract administrator fees | $69,800 |
| Investment advisory & management fees | $19,958 |
| Benefits paid out | $3,966,647 |
| Net assets, start / end of year | $72.0M / $88.0M |
| Active participants, start / end of year | 910 / 931 |
| Participants with account balances | 899 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Citrin Cooperman & Company, LLP |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $69,800 reported compensation |
| Private Advisor Group LLC | $39,958 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014131422NAL0004041168001, received 2025-10-14, EIN 13-4000192, plan #004, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.