Sentinel Real Estate Corporation 401(k) Review & Grade
Sentinel Real Estate 401(k) Plan 401k Savings Plan
New York, NYReal Estate & Rental810 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$510Employer $ per active participant
$4,397Employee $ saved per active participant
0.07%Direct admin cost, % of plan assets
$66.5MNet plan assets, end of year
$68,138Average balance per account
Score breakdown
- Employer generosity10.7 / 5021th percentile for employer $ per participant
- Low cost20.6 / 2582th percentile for low admin cost vs. same-size plans
- Employee saving9.2 / 1561th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score41 / 100 · Grade D
This plan vs. peers
Peers: Real Estate & Rental plans with 500–2,499 active participants (291 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 21th |
| Lower admin cost | 82th |
| Employee saving | 61th |
| Peers that auto-enroll | 47% |
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Red flags from the filing
Corrective distributions: the plan refunded $50,378 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Sentinel Real Estate put in about $510 per active participant, below the typical peer ($1,279). 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.
- 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 | $412,991 |
| Participant (employee) contributions | $3,561,199 |
| Other contributions (incl. rollovers in) | $59,001 |
| Administrative expenses paid from the plan | $41,325 |
| Contract administrator fees | $41,325 |
| Benefits paid out | $2,994,641 |
| Net assets, start / end of year | $56.1M / $66.5M |
| Active participants, start / end of year | 797 / 823 |
| Participants with account balances | 976 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | PKF O'connor Davies, LLP |
Largest service providers (Schedule C)
| PKF O'connor Davies | $19,000 reported compensation |
| Strategic Advisors, Inc. | $17,645 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014153833NAL0003302833001, received 2025-10-14, EIN 13-2957368, plan #150, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.