Ent and Allergy Associates of Florida, LLC 401(k) Review & Grade
Ent and Allergy Associates of Florida, LLC 401k Plan
Boca Raton, FLHealth Care & Social Assistance669 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$5,917Employer $ per active participant
$5,240Employee $ saved per active participant
0.37%Direct admin cost, % of plan assets
$74.6MNet plan assets, end of year
$98,013Average balance per account
Score breakdown
- Employer generosity46.5 / 5093th percentile for employer $ per participant
- Low cost8.2 / 2533th percentile for low admin cost vs. same-size plans
- Employee saving12.2 / 1581th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score70 / 100 · Grade B
This plan vs. peers
Peers: Health Care & Social Assistance plans with 500–2,499 active participants (1,427 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 93th |
| Lower admin cost | 33th |
| Employee saving | 81th |
| 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 of Florida put in about $5,917 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.
- Direct plan expenses (0.37% of assets) are well above similar-size plans (0.23%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- 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 | $3,958,370 |
| Participant (employee) contributions | $3,505,499 |
| Other contributions (incl. rollovers in) | $1,333,247 |
| Administrative expenses paid from the plan | $251,728 |
| Contract administrator fees | $225,435 |
| Benefits paid out | $3,278,306 |
| Net assets, start / end of year | $60.2M / $74.6M |
| Active participants, start / end of year | 647 / 691 |
| Participants with account balances | 761 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Kelley, Boshell, Toole & Ellison LL |
Largest service providers (Schedule C)
| John Hancock Life Insurance Company | $18,814 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260421103708NAL0003804928001, received 2026-04-21, EIN 65-0790741, plan #003, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.