Sacha Fernandez v. Peter Famiglio, individually and as Plan Administrator of Peter Famiglio 401(k) Plan

CourtDistrict Court, E.D. Pennsylvania
DecidedMay 29, 2026
Docket2:26-cv-00105
StatusUnknown

This text of Sacha Fernandez v. Peter Famiglio, individually and as Plan Administrator of Peter Famiglio 401(k) Plan (Sacha Fernandez v. Peter Famiglio, individually and as Plan Administrator of Peter Famiglio 401(k) Plan) is published on Counsel Stack Legal Research, covering District Court, E.D. Pennsylvania primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Sacha Fernandez v. Peter Famiglio, individually and as Plan Administrator of Peter Famiglio 401(k) Plan, (E.D. Pa. 2026).

Opinion

IN THE UNITED STATES DISTRICT COURT FOR THE EASTERN DISTRICT OF PENNSYLVANIA

SACHA FERNANDEZ, : Plaintiff, : CIVIL ACTION : v. : : PETER FAMIGLIO, individually and as : Plan Administrator of Peter Famiglio : 401(k) Plan, : Defendant. : NO. 26-cv-0105

MEMORANDUM

KENNEY, J. May 29, 2026

Plaintiff Sacha Fernandez, proceeding pro se, brings this action against Defendant Peter Famiglio, individually and as Plan Administrator of Peter Famiglio 401(k) Plan, for alleged violations of the Employee Retirement Income Security Act of 1974 (“ERISA”), 29 U.S.C. §§ 1001, et seq. ECF No. 16 (First Amended Complaint, hereinafter “FAC”). Before the Court is Defendant’s Motion to Dismiss Plaintiff’s First Amended Complaint. ECF No. 19 (the “Motion”). For the reasons set forth below, the Court will GRANT Defendant’s Motion to Dismiss. I. BACKGROUND The facts are taken from the FAC and Plaintiff’s initial Complaint (ECF No. 1, hereinafter “Compl.”) and are accepted as true at the motion-to-dismiss stage.1 See Fowler v. UPMC

1 Although the FAC is the operative pleading in this case and as a result, the contents of Plaintiff’s initial Complaint (ECF No. 1) should be irrelevant, Garrett v. Wexford Health, 938 F.3d 69, 82 (3d Cir. 2019), the Court ordered Defendant to consider the allegations of Plaintiff’s initial Complaint (ECF No. 1) as incorporated into the FAC if Defendant were to file a renewed motion to dismiss, ECF No. 18. Plaintiff’s initial Complaint (ECF No. 1) contains more detailed allegations regarding Plaintiff’s ERISA § 502(c) claim than does the FAC, and because the allegations of pro se litigants must be construed liberally, Higgs v. Att’y Gen. of the U.S., 655 F.3d 333, 339 (3d Cir. 2011), the Court will accept as true the factual allegations from both the FAC and Plaintiff’s initial Complaint when considering Defendant’s Motion. The initial Complaint and the FAC assert the same three causes of action, but the Court will use the ordering of the counts in Shadyside, 578 F.3d 203, 210 (3d Cir. 2009). Plaintiff Sacha Fernandez was employed by Defendant from July 2014 through January 2020. FAC ¶ 5. Plaintiff alleges that Defendant Peter Famiglio is an employer and 401(k) plan administrator within the meaning of ERISA. Id. ¶ 4. While employed by Defendant, Plaintiff was a participant in Defendant’s 401(k) plan. Id. ¶ 3.

During her time working for Defendant, Plaintiff discovered that Defendant engaged in allegedly illegal billing practices, such as causing patients to pay for services themselves by telling patients that insurance did not cover the services provided instead of billing their insurance companies. Id. ¶ 6. Plaintiff alleges that she reported and objected to Defendant’s billing practices on or about July 2020. Id. ¶ 7. Defendant’s brother, who is an attorney, allegedly sent Plaintiff a letter threatening to sue her and keep her 401(k) funds if Plaintiff spoke up about Defendant’s billing practices. Id. ¶ 8. Following Plaintiff’s protected activity, she alleges that Defendant retaliated against her by withholding her 401(k) contributions and/or vested benefits, refusing to provide her with required plan documents, and concealing information Plaintiff needed to understand her rights relating to the 401(k) plan. Id. ¶ 9.

Around June 2020, Plaintiff made written requests to Defendant for account information and documents relating to her 401(k) plan to which she had contributed over the course of her employment by Defendant. Compl. ¶ 3. The written requests sought the following information: a summary plan description, plan documents, account statements, and information needed to release her 401(k) funds. Id. Plaintiff alleges she made these requests via email and written letters sent by certified mail to Defendant in his capacity as the plan’s administrator. Id. ¶ 4. According to Plaintiff, Defendant did not provide the requested documents within 30 days, as required by ERISA. Id. ¶ 5. Plaintiff claims that despite her repeated requests, Defendant continued to withhold

the FAC when identifying each count because the FAC is the operative pleading. plan documents and account information from her for years. Id. ¶ 6. Plaintiff informed Defendant that she suspected Defendant was potentially engaging in unlawful conduct with respect to the handling of the 401(k) plan. Id. ¶ 7. She told Defendant that she would report his allegedly improper conduct if his withholding of her 401(k) funds continued. Id. ¶¶ 7–9. In response,

Defendant retaliated against Plaintiff by continuing to withhold plan documents and refusing to release Plaintiff’s retirement funds. Id. ¶ 11. Defendant finally provided the requested documents and plan information to Plaintiff in April 2024, after Plaintiff initiated legal action against Defendant. Id. ¶ 21. Plaintiff alleges that “Defendant’s actions were intentional and designed to punish Plaintiff for speaking up and to deter Plaintiff from asserting legal rights.” FAC ¶ 10. As a result of Defendant’s actions, Plaintiff alleges that she “suffered financial harm, emotional distress, and loss of protected benefits.” Id. ¶ 11. Plaintiff’s FAC asserts three causes of action against Defendant: one claim for ERISA retaliation under Section 510, 29 U.S.C. § 1140 (Count I), one claim for failure to provide plan documents pursuant to ERISA, 29 U.S.C. §§ 1024, 1132(c) (Count II), and

one claim for whistleblower retaliation under 31 U.S.C. § 3730(h) (Count III). Id. ¶¶ 11–17. Plaintiff filed her initial Complaint (ECF No. 1) on January 8, 2026, which Defendant moved to dismiss on January 19, 2026. ECF No. 9. Plaintiff then filed for leave to amend her initial Complaint, which the Court granted. ECF Nos. 15, 18. The FAC was filed on January 23, 2026. ECF No. 16. Defendant moved to dismiss Plaintiff’s FAC on February 5, 2026. ECF No. 19. Plaintiff opposed the Motion, ECF No. 20, and Defendant filed a reply, ECF No. 21, to which Plaintiff filed a sur-reply, ECF No. 22, and Defendant responded with a sur-surreply, ECF No. 23. Accordingly, the Motion is fully briefed and ripe for adjudication. II. LEGAL STANDARD Federal Rule of Civil Procedure 12(b)(6) allows a party to move for dismissal of a complaint for failure to state a claim upon which relief can be granted. A motion to dismiss under Rule 12(b)(6) “tests the sufficiency of the allegations contained in the complaint.” Kost v.

Kozakiewicz, 1 F.3d 176, 183 (3d Cir. 1993). “To survive a motion to dismiss, a complaint must contain sufficient factual matter, accepted as true, to state a claim to relief that is plausible on its face.” Zuber v. Boscov’s, 871 F.3d 255, 258 (3d Cir. 2017) (citation omitted). A complaint is plausible on its face when the plaintiff pleads a factual contention that “allows the court to draw the reasonable inference that the defendant is liable for the misconduct alleged.” Ashcroft v. Iqbal, 556 U.S. 662, 678 (2009).

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Sacha Fernandez v. Peter Famiglio, individually and as Plan Administrator of Peter Famiglio 401(k) Plan, Counsel Stack Legal Research, https://law.counselstack.com/opinion/sacha-fernandez-v-peter-famiglio-individually-and-as-plan-administrator-paed-2026.