Kaufman, Rossin & Co., P.A. 401(k) Review & Grade
Kaufman Rossin 401(k) Plan
Miami, FLProfessional, Scientific & Technical Services560 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$3,038Employer $ per active participant
$11,158Employee $ saved per active participant
0.24%Direct admin cost, % of plan assets
$91.8MNet plan assets, end of year
$138,522Average balance per account
Score breakdown
- Employer generosity24.7 / 5049th percentile for employer $ per participant
- Low cost12.1 / 2548th percentile for low admin cost vs. same-size plans
- Employee saving10.2 / 1568th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default 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 | 49th |
| Lower admin cost | 48th |
| Employee saving | 68th |
| 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
- Kaufman, Rossin & Co., P.A. put in about $3,038 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.
- 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 | $1,701,082 |
| Participant (employee) contributions | $6,248,348 |
| Other contributions (incl. rollovers in) | $549,907 |
| Administrative expenses paid from the plan | $202,662 |
| Contract administrator fees | $91,788 |
| Investment advisory & management fees | $110,778 |
| Other admin expenses | $96 |
| Benefits paid out | $3,116,403 |
| Net assets, start / end of year | $75.5M / $91.8M |
| Active participants, start / end of year | 550 / 570 |
| Participants with account balances | 663 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | James Moore & Company, P.L. |
Largest service providers (Schedule C)
| Buckingham Strategic Partners | $110,778 reported compensation |
| Oneamerica Retirement Services LLC | $91,788 reported compensation |
| Matrix Trust Company | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014085330NAL0005121474001, received 2025-10-14, EIN 59-1818353, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.