The Law Offices of Kanner & Pint 401(k) Review & Grade
The Law Offices of Kanner & Pintaluga, P.A 401k Plan
Boca Raton, FLProfessional, Scientific & Technical Services560 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$999Employer $ per active participant
$2,695Employee $ saved per active participant
1.19%Direct admin cost, % of plan assets
$4.0MNet plan assets, end of year
$8,160Average balance per account
Score breakdown
- Employer generosity9.7 / 5019th percentile for employer $ per participant
- Low cost1.1 / 255th percentile for low admin cost vs. same-size plans
- Employee saving2.0 / 1514th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score23 / 100 · Grade F
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 19th |
| Lower admin cost | 5th |
| Employee saving | 14th |
| Peers that auto-enroll | 48% |
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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
- Law Offices of Kanner & Pint put in about $999 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.
- Direct plan expenses (1.19% 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.
- 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 | $559,932 |
| Participant (employee) contributions | $1,510,438 |
| Other contributions (incl. rollovers in) | $387,483 |
| Administrative expenses paid from the plan | $34,819 |
| Investment advisory & management fees | $18,039 |
| Other admin expenses | $235 |
| Benefits paid out | $568,640 |
| Net assets, start / end of year | $1.8M / $4.0M |
| Active participants, start / end of year | 566 / 555 |
| Participants with account balances | 492 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Bas Partners LLC |
Largest service providers (Schedule C)
| Adp, Inc. | $29,674 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251009051835NAL0010356400001, received 2025-10-09, EIN 01-0786201, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.