Trinity Partners, LLC 401(k) Review & Grade
Trinity Partners, LLC 401(k) Profit Sharing Plan
Waltham, MAProfessional, Scientific & Technical Services670 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$3,256Employer $ per active participant
$12,689Employee $ saved per active participant
0.15%Direct admin cost, % of plan assets
$79.7MNet plan assets, end of year
$100,365Average balance per account
Score breakdown
- Employer generosity26.6 / 5053th percentile for employer $ per participant
- Low cost15.8 / 2563th percentile for low admin cost vs. same-size plans
- Employee saving11.8 / 1579th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score57 / 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 | 53th |
| Lower admin cost | 63th |
| Employee saving | 79th |
| 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
- Trinity Partners put in about $3,256 per active participant, more than the typical peer ($3,082). 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.
- 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 | $2,179,822 |
| Participant (employee) contributions | $8,495,410 |
| Other contributions (incl. rollovers in) | $1,034,804 |
| Administrative expenses paid from the plan | $106,944 |
| Investment advisory & management fees | $25,000 |
| Benefits paid out | $5,688,198 |
| Net assets, start / end of year | $63.9M / $79.7M |
| Active participants, start / end of year | 685 / 654 |
| Participants with account balances | 794 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | RSM US LLP |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company O | $81,944 reported compensation |
| Mma Securities LLC | $25,000 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251002062039NAL0000624914001, received 2025-10-02, EIN 30-0284706, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.