Celonis, Inc. 401(k) Review & Grade
Celonis, Inc. 401(k) Plan
New York, NYInformation818 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$4,465Employer $ per active participant
$14,962Employee $ saved per active participant
0.01%Direct admin cost, % of plan assets
$61.6MNet plan assets, end of year
$63,654Average balance per account
Score breakdown
- Employer generosity38.5 / 5077th percentile for employer $ per participant
- Low cost24.4 / 2598th percentile for low admin cost vs. same-size plans
- Employee saving12.9 / 1586th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score76 / 100 · Grade A
This plan vs. peers
Peers: Information plans with 500–2,499 active participants (310 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 77th |
| Lower admin cost | 98th |
| Employee saving | 86th |
| Peers that auto-enroll | 59% |
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Red flags from the filing
Corrective distributions: the plan refunded $14,157 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Celonis put in about $4,465 per active participant, more than the typical peer ($2,829). 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.
- 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 | $3,650,114 |
| Participant (employee) contributions | $12,231,251 |
| Other contributions (incl. rollovers in) | $1,898,366 |
| Administrative expenses paid from the plan | $5,980 |
| Benefits paid out | $10,430,550 |
| Net assets, start / end of year | $46.2M / $61.6M |
| Active participants, start / end of year | 834 / 801 |
| Participants with account balances | 967 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Forvis Mazars, LLP |
Largest service providers (Schedule C)
| Adp, Inc. | $5,980 reported compensation |
| Adp Broker-Dealer | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250926050346NAL0008214625001, received 2025-09-26, EIN 61-1797223, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.