Zwanger & Pesiri Radiology Group 401(k) Review & Grade
Zwanger & Pesiri Radiology Group 401(k) Plan
Lindenhurst, NYHealth Care & Social Assistance1,059 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,679Employer $ per active participant
$5,886Employee $ saved per active participant
0.21%Direct admin cost, % of plan assets
$114.3MNet plan assets, end of year
$83,917Average balance per account
Score breakdown
- Employer generosity40.0 / 5080th percentile for employer $ per participant
- Low cost13.1 / 2552th percentile for low admin cost vs. same-size plans
- Employee saving13.1 / 1587th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score59 / 100 · Grade C
This plan vs. peers
Peers: Health Care & Social Assistance plans with 500–2,499 active participants (1,427 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 80th |
| Lower admin cost | 52th |
| Employee saving | 87th |
| Peers that auto-enroll | 36% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($165,694 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
What to do if you're in this plan
- Zwanger & Pesiri Radiology Group put in about $2,679 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 reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- 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 | $2,837,097 |
| Participant (employee) contributions | $6,232,777 |
| Other contributions (incl. rollovers in) | $1,987,303 |
| Administrative expenses paid from the plan | $221,447 |
| Investment advisory & management fees | $133,201 |
| Benefits paid out | $6,364,790 |
| Net assets, start / end of year | $95.5M / $114.3M |
| Active participants, start / end of year | 1,086 / 1,032 |
| Participants with account balances | 1,362 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Grassi &co..,cpas P.C. . |
Largest service providers (Schedule C)
| Flagstar Advisors | $133,201 reported compensation |
| Fidelity Investments Institutional | $88,246 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251010124809NAL0018577746001, received 2025-10-10, EIN 11-1980085, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.