C3.ai, Inc. 401(k) Review & Grade
C3.ai, Inc. 401(k) Plan
Redwood City, CAProfessional, Scientific & Technical Services769 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$7Employer $ per active participant
$13,830Employee $ saved per active participant
0.21%Direct admin cost, % of plan assets
$60.1MNet plan assets, end of year
$72,155Average balance per account
Score breakdown
- Employer generosity2.7 / 505th percentile for employer $ per participant
- Low cost13.1 / 2552th percentile for low admin cost vs. same-size plans
- Employee saving12.5 / 1584th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score28 / 100 · Grade F
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 5th |
| Lower admin cost | 52th |
| Employee saving | 84th |
| Peers that auto-enroll | 48% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
Red flags from the filing
Corrective distributions: the plan refunded $5,126 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- C3.ai put in about $7 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 | $5,082 |
| Participant (employee) contributions | $10,635,540 |
| Other contributions (incl. rollovers in) | $2,042,439 |
| Administrative expenses paid from the plan | $110,226 |
| Contract administrator fees | $228 |
| Investment advisory & management fees | $45,594 |
| Benefits paid out | $4,634,805 |
| Net assets, start / end of year | $43.9M / $60.1M |
| Active participants, start / end of year | 753 / 785 |
| Participants with account balances | 833 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Silicon Valley Accountancy Corp. |
Largest service providers (Schedule C)
| Schwab Retirement Plan Services,inc | $60,272 reported compensation |
| Wespac Advisros LLC | $25,000 reported compensation |
| Silicon Valley Accountancy Cor | $21,762 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251029110300NAL0001573026001, received 2025-10-29, EIN 26-3999357, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.