Eisner Advisory Group, LLC 401(k) Review & Grade
Eisner Advisory Group, LLC Retirement Plan
New York, NYProfessional, Scientific & Technical Services3,504 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,886Employer $ per active participant
$13,615Employee $ saved per active participant
0.06%Direct admin cost, % of plan assets
$699.3MNet plan assets, end of year
$150,903Average balance per account
Score breakdown
- Employer generosity16.7 / 5033th percentile for employer $ per participant
- Low cost18.6 / 2574th percentile for low admin cost vs. same-size plans
- Employee saving11.7 / 1578th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score54 / 100 · Grade C
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 2,500–9,999 active participants (231 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 33th |
| Lower admin cost | 74th |
| Employee saving | 78th |
| Peers that auto-enroll | 47% |
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Red flags from the filing
Corrective distributions: the plan refunded $70,675 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Eisner Advisory Group put in about $1,886 per active participant, below the typical peer ($2,951). 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.
- 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 | $6,607,804 |
| Participant (employee) contributions | $47,706,318 |
| Other contributions (incl. rollovers in) | $42,762,276 |
| Administrative expenses paid from the plan | $366,693 |
| Investment advisory & management fees | $88,388 |
| Benefits paid out | $49,305,279 |
| Net assets, start / end of year | $567.0M / $699.3M |
| Active participants, start / end of year | 3,201 / 3,807 |
| Participants with account balances | 4,634 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Smith Elliot Kearns & Co. LLC Cpas |
Largest service providers (Schedule C)
| Schwab Retirement Plan Services,inc | $366,693 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251010082140NAL0004066211001, received 2025-10-10, EIN 87-1353108, plan #003, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.