Capgemini America Inc 401(k) Review & Grade
Sogeti USA 401(k) Profit Sharing Plan
Chicago, ILProfessional, Scientific & Technical Services1,956 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$7,202Employer $ per active participant
$9,771Employee $ saved per active participant
0.01%Direct admin cost, % of plan assets
$617.5MNet plan assets, end of year
$160,890Average balance per account
Score breakdown
- Employer generosity42.3 / 5085th percentile for employer $ per participant
- Low cost24.6 / 2598th percentile for low admin cost vs. same-size plans
- Employee saving8.5 / 1557th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score85 / 100 · Grade A
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 85th |
| Lower admin cost | 98th |
| Employee saving | 57th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
No red flags were reported on this filing's compliance questions.
What to do if you're in this plan
- Capgemini America put in about $7,202 per active participant, more than the typical peer ($3,082). 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 auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- 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 | $14,090,471 |
| Participant (employee) contributions | $19,116,216 |
| Other contributions (incl. rollovers in) | $2,935,864 |
| Administrative expenses paid from the plan | $39,940 |
| Investment advisory & management fees | $11,750 |
| Benefits paid out | $52,436,188 |
| Net assets, start / end of year | $544.0M / $617.5M |
| Active participants, start / end of year | 2,002 / 1,911 |
| Participants with account balances | 3,838 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Clark Schaefer Hackett |
Largest service providers (Schedule C)
| T Rowe Price RPS Inc | $28,190 reported compensation |
| Clark Schaefer Hackett | $11,750 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251002131548NAL0000505889001, received 2025-10-02, EIN 22-2575929, plan #006, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.