LAET: A Layer-Wise Adaptive Ensemble Tuning Framework for Pretrained Language Models

Jawad Ibn Ahad, Muhammad Rafsan Kabir, Robin Krambroeckers, Sifat Momen, Nabeel Mohammed, Shafin Rahman

βœ… Accepted at IEEE International Conference on Big Data 2025

πŸ“„ Paper: arXiv:2511.11315 Β· IEEE Xplore


Abstract

We propose LAET (Layer-wise Adaptive Ensemble Tuning), a novel fine-tuning strategy for pretrained LLMs that identifies and fine-tunes only the most task-relevant layers while freezing less critical ones. By probing hidden state representations per layer through a lightweight classifier, LAET reduces trainable parameters by up to 60% while improving task-specific performance. Ensemble predictions across selected layers further improve robustness. Across 23 financial NLP benchmarks spanning textual analysis, risk management, and forecasting, LAET (on ~3B models) consistently outperforms GPT-4, GPT-4o, DoRA, LoRA, and specialized financial LLMs.


Introduction

Fine-tuning all parameters of large pretrained LLMs is computationally prohibitive and often unnecessary β€” evidence shows that only a fraction of layers contribute meaningfully to any downstream task. Existing PEFT methods (LoRA, DoRA, AdaLoRA) apply uniform or heuristically distributed parameter budgets, ignoring per-layer utility. LAET addresses this by probing each layer independently to score task relevance, then selectively fine-tuning only high-value layers.

Models used (ℳ₁, β„³β‚‚, ℳ₃):

  • ℳ₁: Gemma-2-2B (2B parameters)
  • β„³β‚‚: Llama-3.2-3B (3.2B parameters)
  • ℳ₃: Phi-3.5-mini (3.8B parameters)

🎯 Key Contributions

  • Layer-wise Probing β€” A shared lightweight classifier trained on frozen per-layer hidden states scores each layer’s task relevance via accuracy (m₁) and F1 (mβ‚‚).
  • Adaptive Layer Selection β€” Dynamic thresholds Ξ΄ = Ξ±Β·Οƒ based on score standard deviations automatically select the best-performing layers.
  • Ensemble Voting β€” Majority vote over predictions from all selected layers reduces sensitivity to individual layer noise.
  • 60% Parameter Savings β€” Frozen layers do not receive gradient updates; only selected layers are fine-tuned.
  • Outperforms GPT-4 β€” ~3B parameter models with LAET beat GPT-4 and GPT-4o on financial NLP benchmarks.

Introduction

LAET vs Full Fine-Tuning vs PEFT Comparison

Figure 1: Comparison of full fine-tuning, parameter-efficient fine-tuning (PEFT), and LAET. Full fine-tuning updates all layers; PEFT applies uniform low-rank adapters. LAET identifies and fine-tunes only the most task-relevant layers, leaving the rest frozen β€” reducing trainable parameters by up to 60% while improving task performance.


Methodology

LAET Pipeline Architecture

Figure 2: LAET methodology. (a) For each layer l in pretrained model β„³, hidden state representations r_i^(l) are extracted from frozen layers; a shared lightweight classifier β„±_Ο† computes logits z_i^l and cross-entropy loss β„’_l independently per layer. (b) The best-performing layers are selected based on evaluation metrics (accuracy m₁, F1 mβ‚‚) and their deviations from maximum values using adaptive threshold Ξ΄ = Ξ±Β·Οƒ. Only selected layers ℬ are unfrozen for fine-tuning; inference uses majority voting across all selected layers.

Problem Formulation

Let β„³ be a pretrained LLM with L layers. For input tokens x, each layer l produces hidden states H_l = {h₁⁽ˑ⁾, …, hₙ⁽ˑ⁾}.

The last-token representation per layer: r_l = h_n^(l)[:, r] ∈ β„α΅ˆ

A lightweight classifier β„±_Ο† with shared weights is trained independently on each layer’s frozen representations.

Layer Probing

Layer-wise Probing Strategies

Figure 3: Layer-wise probing evaluation across three hidden state representation strategies: Last Token (LT), Sum of All Tokens (SaT), and Average of All Tokens (AvT). Results show which strategy produces the most task-discriminative representations per layer for adaptive selection.

Per-layer cross-entropy loss:

β„’β‚— = -(1/N) Ξ£α΅’ Ξ£β±Ό 𝒫[yα΅’=j] Β· log(pα΅’Λ‘[j])

where pα΅’Λ‘ = softmax(β„±_Ο†(rᡒ⁽ˑ⁾)) ∈ ℝᡏ.

Adaptive Layer Selection

For performance metrics m₁ (accuracy), mβ‚‚ (F1) per layer:

Οƒβ‚˜β‚ = std({m₁¹,...,m₁ᴸ}),   Οƒβ‚˜β‚‚ = std({mβ‚‚ΒΉ,...,mβ‚‚α΄Έ})
Ξ΄β‚˜β‚ = Ξ±Β·Οƒβ‚˜β‚,                  Ξ΄β‚˜β‚‚ = Ξ²Β·Οƒβ‚˜β‚‚

Layer l is selected into set ℬ if no other layer l’ satisfies: m₁ˑ' β‰₯ m₁ˑ + Ξ΄β‚˜β‚ AND mβ‚‚Λ‘' β‰₯ mβ‚‚Λ‘ + Ξ΄β‚˜β‚‚

Fine-tuning and Ensemble

Only layers l ∈ ℬ are unfrozen. Training objective:

β„’_ℬ = (1/|ℬ|) Ξ£β‚—βˆˆβ„¬ β„’β‚—(ΞΈβ‚—, Ο†)

Inference β€” majority voting:

Ε· = argmax_{cβˆˆπ’ž} Ξ£β‚—βˆˆβ„¬ 𝕀(Ε·β‚— = c)

Ensemble error bound (conditional independence, average error Ξ΅Μ„):

𝒫(Ε· β‰  y) ≀ exp(βˆ’2|ℬ|(0.5 βˆ’ Ξ΅Μ„)Β²)

LAET Ablation Study

Figure 4: Ablation study comparing LAET layer selection methods across four datasets. Results validate that the adaptive threshold selection (Ξ΄ = Ξ±Β·Οƒ) outperforms static or random layer selection, confirming that task-relevant layer identification is the key driver of LAET’s performance gains.


πŸ“Š Table I β€” Dataset Statistics (23 Financial NLP Benchmarks)

DatasetTaskLanguageTypeTrainTestMetric
FPBSentiment AnalysisENnews3,100970Acc, F1
FiQA-SASentiment AnalysisENnews/tweets750235Acc, F1
TSASentiment AnalysisENheadlines448113RMSE
TSASentiment AnalysisESheadlines3,063766Acc, F1
FinanceESSentiment AnalysisESheadlines5,0841,272Acc, F1
HeadlinesNews ClassificationENheadlines16,4374,110Acc, Avg-F1
FOMCHawkish-DovishENnews396100Acc, F1
FinArg-ACCArgument ClassificationENcomments6,2021,551Acc, MiF1
MultiFin-EMulti-classENheadlines5,3501,340Acc, MiF1
MultiFin-SMulti-classESheadlines21020Acc, MiF1
MADeal ClassificationENnews/tweets400100Acc, MiF1
BigData22Stock MovementENtweets+prices4,9001,470Acc, F1, MCC
ACL18Stock MovementENtweets+prices20,8003,720Acc, F1, MCC
CIKM18Stock MovementENtweets+prices3,400431Acc, F1, MCC
GermanCredit ScoringENbiography700200Acc, F1, MCC
AustralianCredit ScoringENbiography482139Acc, F1, MCC
LendingClubCredit ScoringENloan record9,4202,690Acc, F1, MCC
ccfFraud DetectionENfinancial record7,9702,280Acc, F1, MCC
cfraudFraud DetectionENfinancial record7,3402,100Acc, F1, MCC
polishFinancial DistressENfinancial profile6,0801,740Acc, F1, MCC
taiwanFinancial DistressENfinancial profile4,7701,370Acc, F1, MCC
ProtoSegnoFinancial DistressENfinancial profile8,3302,380Acc, F1, MCC
travrealtins.Claim AnalysisENfinancial profile8,8702,530Acc, F1, MCC

πŸ“Š Table II β€” Textual Analysis (TA) Results

CategoryModelFPB (Acc/F1)FiQA (Acc/F1)TSA-E (Acc/F1)TSA-S (Acc/F1)Fin.ES (Acc)Head. (Acc/F1)FOMC (Acc)FinArg (Acc/MiF1)MultiFin-EMultiFin-SMA (Acc)
General LLMChatGPT0.78/0.78–/0.600.21/0.240.13/0.08–0.48/0.47–––––
Β GPT-40.76/0.78–/0.800.47/0.560.15/0.09–0.60/0.60–––––
Β Gemini0.77/0.77–/0.81–––0.62/0.62–0.31/––/–0.84/––
Β LLaMA2-7B0.68/0.65–/0.770.07/0.040.14/0.13–0.23/0.11–0.46/––0.70/––
Β LLaMA2-70B0.73/0.72–/0.83–––0.63/0.63–0.58/––0.86/––
Β LLaMA3-8B0.52/0.52–/0.70–––0.39/0.39–0.51/––0.34/––
Few-shotGPT-4o0.87/0.880.70/0.870.72/0.660.70/0.580.650.72/0.650.700.61/–0.56/–––
Β Deepseek V30.83/0.830.70/0.850.81/0.810.11/0.110.650.66/0.990.990.72/–0.65/–––
Β Qwen2.5 72B0.73/0.730.59/0.830.76/0.780.13/0.130.670.60/0.910.910.60/–0.55/–––
Financial LLMFinMA-7B0.88/0.88–/0.84–––0.98/––––––
Β FinMA-30B0.87/0.88–/0.87–––0.97/––––––
Β FinMA-ESB0.83/0.83–/0.850.85/0.860.11/0.11–0.96/0.550.49–0.99/0.99––
PEFTℳ₁-LoRA0.84/0.830.84/0.830.80/0.790.75/0.740.920.92/0.660.650.71/0.700.86/0.860.83/0.820.82
Β β„³β‚‚-LoRA0.85/0.850.84/0.840.80/0.790.70/0.700.920.92/0.660.660.72/0.720.86/0.860.88/0.840.84
 ℳ₃-LoRA0.80/0.810.86/0.860.80/0.790.72/0.710.930.93/0.660.660.68/0.680.84/0.830.89/0.850.85
 ℳ₁-DoRA0.85/0.840.85/0.840.81/0.810.77/0.760.940.94/0.660.660.73/0.720.87/0.870.84/0.830.83
Β β„³β‚‚-DoRA0.86/0.860.85/0.850.81/0.810.72/0.720.940.94/0.680.680.74/0.740.87/0.870.90/0.850.85
 ℳ₃-DoRA0.86/0.860.86/0.860.81/0.810.74/0.730.940.94/0.680.680.70/0.700.85/0.840.91/0.870.87
 ℳ₁-AdaLoRA0.81/0.800.81/0.800.77/0.760.70/0.680.900.90/0.630.620.68/0.660.82/0.820.79/0.780.78
Β β„³β‚‚-AdaLoRA0.82/0.820.82/0.820.77/0.760.67/0.670.910.91/0.640.630.70/0.700.83/0.820.84/0.810.81
 ℳ₃-AdaLoRA0.81/0.820.83/0.830.77/0.760.69/0.690.910.91/0.650.640.66/0.660.81/0.800.85/0.820.82
LAET (Ours)ℳ₁-LAET0.88/0.870.88/0.870.84/0.830.79/0.780.970.97/0.700.680.75/0.740.90/0.900.87/0.860.86
Β β„³β‚‚-LAET0.89/0.890.88/0.880.84/0.830.74/0.740.970.97/0.700.700.76/0.760.90/0.900.93/0.880.88
 ℳ₃-LAET0.89/0.890.90/0.900.84/0.830.76/0.750.980.98/0.700.690.72/0.720.88/0.870.94/0.890.89

πŸ“Š Table III β€” Risk Management (RM) Results

CategoryModelGerman (Acc/F1/MCC)Australian (Acc/F1/MCC)LendingClub (Acc/F1/MCC)ccf (Acc/F1/MCC)cfraud (Acc/F1/MCC)polish (Acc/F1/MCC)taiwan (Acc/F1/MCC)
General LLMGPT-40.55/0.51/–0.74/0.75/––/–/––/–/––/–/––/–/––/–/–
Few-shotGPT-4o0.61/0.73/0.530.86/0.84/0.510.62/0.51/0.650.59/0.65/0.730.51/0.58/0.610.58/0.51/0.670.73/0.66/0.62
Β Deepseek V30.68/0.57/0.580.59/0.59/0.530.55/0.65/0.530.50/0.65/0.560.68/0.62/0.680.47/0.51/0.710.50/0.48/0.71
Β Qwen2.5 72B0.60/0.65/0.660.59/0.57/0.570.65/0.58/0.450.45/0.50/0.510.62/0.59/0.660.46/0.48/0.650.54/0.71/0.51
PEFTℳ₁-DoRA0.68/0.56/0.000.81/0.82/0.680.93/0.93/0.870.95/0.93/0.000.89/0.88/0.000.90/0.87/0.000.91/0.89/0.00
Β β„³β‚‚-DoRA0.70/0.55/0.000.82/0.82/0.690.91/0.91/0.860.96/0.95/0.000.90/0.90/0.000.91/0.88/0.020.93/0.91/0.02
 ℳ₃-DoRA0.68/0.55/0.020.80/0.80/0.680.92/0.92/0.870.94/0.94/0.000.88/0.91/0.000.90/0.88/0.000.93/0.93/0.00
 ℳ₁-AdaLoRA0.70/0.56/0.000.83/0.79/0.680.94/0.92/0.870.94/0.94/0.020.92/0.90/0.000.92/0.86/0.000.93/0.91/0.00
Β β„³β‚‚-AdaLoRA0.71/0.54/0.000.80/0.82/0.660.91/0.94/0.860.95/0.93/0.000.89/0.92/0.000.89/0.89/0.010.92/0.92/0.01
LAET (Ours)ℳ₁-LAET0.74/0.61/0.000.88/0.88/0.770.98/0.98/0.931.00/1.00/0.000.96/0.95/0.500.97/0.95/0.000.97/0.96/0.00
Β β„³β‚‚-LAET0.74/0.62/0.000.87/0.86/0.730.98/0.98/0.931.00/1.00/0.000.95/0.95/0.020.97/0.94/0.000.97/0.96/0.00
 ℳ₃-LAET0.74/0.63/0.000.87/0.87/0.740.98/0.98/0.941.00/1.00/0.000.96/0.95/0.310.95/0.92/0.000.97/0.96/0.00

πŸ“Š Table IV β€” Forecasting (FO) Results

CategoryModelBigData22 (Acc/F1/MCC)ACL18 (Acc/F1/MCC)CIKM18 (Acc/F1/MCC)
General LLMChatGPT0.53/–/–0.0250.50/–/0.0050.55/–/0.005
Β GPT-40.54/–/0.0300.52/–/0.0200.57/–/0.020
Β Gemini0.55/–/0.0400.52/–/0.0400.54/–/0.020
Β LLaMA2-7B0.51/–/0.0300.51/–/0.0100.47/–/–0.070
Β LLaMA3-8B0.55/–/0.0200.52/–/0.0200.57/–/0.030
Few-shotGPT-4o0.53/0.54/0.460.48/0.48/0.0190.45/0.49/0.50
Β Deepseek V30.51/0.50/0.490.45/0.51/0.0170.50/0.51/0.49
Β Qwen2.5 72B0.53/0.53/0.470.50/0.45/0.0250.51/0.52/0.48
Financial LLMFinMA-7B0.51/–/0.0200.51/–/0.0300.50/–/0.080
Β FinMA-30B0.47/–/0.0400.49/–/0.0000.43/–/–0.050
PEFTℳ₁-LoRA0.480/0.490/0.0000.430/0.380/0.0000.490/0.380/0.000
Β β„³β‚‚-LoRA0.510/0.530/0.0100.460/0.350/0.0200.496/0.372/0.000
 ℳ₃-LoRA0.480/0.460/0.0070.477/0.388/0.0030.501/0.362/0.019
 ℳ₁-DoRA0.510/0.357/0.0000.466/0.351/0.0150.510/0.380/0.000
Β β„³β‚‚-DoRA0.482/0.355/0.0000.458/0.380/0.0000.488/0.390/0.000
 ℳ₃-DoRA0.496/0.334/0.0000.479/0.375/0.0000.519/0.380/0.000
 ℳ₁-AdaLoRA0.508/0.360/0.0150.483/0.361/0.0010.487/0.375/0.000
Β β„³β‚‚-AdaLoRA0.494/0.354/0.0000.466/0.369/0.0140.485/0.395/0.000
 ℳ₃-AdaLoRA0.486/0.350/0.0000.487/0.359/0.0000.500/0.374/0.016
LAET (Ours)ℳ₁-LAET0.550/0.400/0.0000.520/0.420/0.0170.580/0.430/0.000
Β β„³β‚‚-LAET0.560/0.460/0.0600.550/0.520/0.0970.550/0.550/0.105
 ℳ₃-LAET0.570/0.550/0.1000.530/0.510/0.0000.580/0.560/0.124

πŸ“š Citation

@inproceedings{ahad2025laet,
  title={LAET: A Layer-Wise Adaptive Ensemble Tuning Framework for Pretrained Language Models},
  author={Ahad, Jawad Ibn and Kabir, Muhammad Rafsan and Krambroeckers, Robin and Momen, Sifat and Mohammed, Nabeel and Rahman, Shafin},
  booktitle={IEEE International Conference on Big Data (BigData)},
  year={2025}
}