Capgemini America, Inc. 401(k) Review & Grade
Capgemini Safe Harbor 401(k) Plan
New York, NYProfessional, Scientific & Technical Services11,379 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$3,587Employer $ per active participant
$10,196Employee $ saved per active participant
0.01%Direct admin cost, % of plan assets
$2.5BNet plan assets, end of year
$143,897Average balance per account
Score breakdown
- Employer generosity31.2 / 5062th percentile for employer $ per participant
- Low cost24.1 / 2596th percentile for low admin cost vs. same-size plans
- Employee saving9.8 / 1565th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-23 pts3 issues reported on the filing
Total score45 / 100 · Grade C
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 10,000+ active participants (70 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 62th |
| Lower admin cost | 96th |
| Employee saving | 65th |
| Peers that auto-enroll | 39% |
Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($1,484 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Benefits not paid when due: the plan reported failing to pay some benefits on time.
Corrective distributions: the plan refunded $39,937 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Capgemini America put in about $3,587 per active participant, more than the typical peer ($2,932). Contribute at least enough to collect the full match. Skipping it leaves part of your pay on the table.
- 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.
- The plan reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- 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 | $40,817,672 |
| Participant (employee) contributions | $116,022,391 |
| Other contributions (incl. rollovers in) | $23,408,678 |
| Administrative expenses paid from the plan | $213,593 |
| Contract administrator fees | $3,300 |
| Benefits paid out | $236,772,244 |
| Net assets, start / end of year | $2.2B / $2.5B |
| Active participants, start / end of year | 11,491 / 11,267 |
| Participants with account balances | 17,436 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Eisneramperllp |
Largest service providers (Schedule C)
| Eisneramper | $51,550 reported compensation |
| Fidelity Investments Institutional | −$71,776 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015204530NAL0002990243001, received 2025-10-15, EIN 22-2575929, plan #005, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.
Other 401(k) plans filed under this employer's EIN
CCapgemini Financial Services USA, Inc. 401(k) Retirement PlanASogeti USA 401(k) Profit Sharing Plan
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