Quintairos Prieto Wood & Boyer, 401(k) Review & Grade
Quintairos Prieto Wood & Boyer P.A. 401(k) Plan
Miami, FLProfessional, Scientific & Technical Services928 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$3,066Employer $ per active participant
$7,161Employee $ saved per active participant
0.25%Direct admin cost, % of plan assets
$76.2MNet plan assets, end of year
$87,406Average balance per account
Score breakdown
- Employer generosity24.9 / 5050th percentile for employer $ per participant
- Low cost11.7 / 2547th percentile for low admin cost vs. same-size plans
- Employee saving5.4 / 1536th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score45 / 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 | 50th |
| Lower admin cost | 47th |
| Employee saving | 36th |
| 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
- Quintairos Prieto Wood & Boyer, put in about $3,066 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.
- 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 | $2,847,046 |
| Participant (employee) contributions | $6,649,102 |
| Other contributions (incl. rollovers in) | $3,036,503 |
| Administrative expenses paid from the plan | $174,828 |
| Investment advisory & management fees | $77,681 |
| Benefits paid out | $6,066,953 |
| Net assets, start / end of year | $62.0M / $76.2M |
| Active participants, start / end of year | 898 / 959 |
| Participants with account balances | 872 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Rosaline Mendoza CPA PA |
Largest service providers (Schedule C)
| Adp, Inc. | $97,146 reported compensation |
| Edward Jones | $77,681 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250917050649NAL0000165216001, received 2025-09-17, EIN 59-3502785, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.