Plan Snapshot
- Plan Sponsor: Ef Services, INC.
- Sponsor EIN: 043534772
- Sponsor Address: TWO EDUCATION CIRCLE, CAMBRIDGE, MA, 02141
- Plan Type: 401(k)
- Total Participants: 2,624
- Total Assets: $230.2M
Key Plan Design Features
- Auto-Enrollment: Yes
- Auto-Escalation: No
- Allows Roth Contributions: No
- Participant Loans: No
- Participant-Directed Investments: Yes
- ERISA Section 404(c) Fiduciary Safe Harbor: Yes
Plan Financials by Year
| Year | Participants | Total Assets | Employer Contrib. | Employee Contrib. |
|---|---|---|---|---|
| 2024 | 2,624 | $230.2M | $4.0M | $17.8M |
| 2023 | 2,635 | $184.9M | $3.7M | $16.0M |
Service Providers (Schedule C)
Vendors paid $5,000 or more for services to the plan, ranked by total compensation (direct + indirect fees).
| Provider Name | Role | Direct Compensation | Indirect Compensation | Total Fees |
|---|---|---|---|---|
| MORGAN STANLEY SMITH BARNEY LLC | INVESTMENT ADVISOR | $70,116 | — | $70,116 |
| TSS FINANCIAL PARTNERS, LLP | ACCOUNTANT/AUDITOR | $17,600 | — | $17,600 |
| TYLER, SIMMS & ST. SAUVEUR, CPAS | ACCOUNTANT/AUDITOR | $12,000 | — | $12,000 |
Verified Provider Profiles
Direct links to verified profiles of matched retirement plan providers on PlanProvider.Pro:
- MORGAN STANLEY SMITH BARNEY LLC — INVESTMENT ADVISOR
Plan Fees & Expenses
Annual service provider fees and administrative expenses sourced from DOL Form 5500 filings.
- Total Service Provider Fees: $99,716
- Estimated Expense Ratio: 0.043% of plan assets
Historical Administrative Expenses
Breakdown of administrative expense categories reported on Form 5500 filings.
| Year | Total Admin Expenses | Investment Mgmt Fees | Contract Admin Fees | IQPA Audit Fees | Professional Fees |
|---|---|---|---|---|---|
| 2024 | $346,875 | $70,116 | $900 | $29,600 | — |
| 2023 | $254,488 | $67,330 | $299 | — | — |