Constellation Energy Generation LLC 401(k) Review & Grade
Constellation Employee Savings Plan
Kennett Square, PAUtilities14,087 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$8,141Employer $ per active participant
$13,175Employee $ saved per active participant
0.07%Direct admin cost, % of plan assets
$6.0BNet plan assets, end of year
$294,707Average balance per account
Score breakdown
- Employer generosity45.1 / 5090th percentile for employer $ per participant
- Low cost15.3 / 2561th percentile for low admin cost vs. same-size plans
- Employee saving13.5 / 1590th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score84 / 100 · Grade A
This plan vs. peers
Peers: all industries, plans with 10,000+ active participants (fewer than 30 industry peers) (820 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 90th |
| Lower admin cost | 61th |
| Employee saving | 90th |
| Peers that auto-enroll | 50% |
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
- Constellation Energy Generation put in about $8,141 per active participant, more than the typical peer ($2,229). 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 | $114,681,181 |
| Participant (employee) contributions | $185,595,693 |
| Other contributions (incl. rollovers in) | $20,230,994 |
| Administrative expenses paid from the plan | $3,677,603 |
| Investment advisory & management fees | $3,677,603 |
| Benefits paid out | $492,839,054 |
| Net assets, start / end of year | $5.3B / $6.0B |
| Active participants, start / end of year | 13,918 / 14,256 |
| Participants with account balances | 20,280 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Mitchell & Titus, LLP |
| Employer stock held by plan | $383,093,830 |
Largest service providers (Schedule C)
| Northwest Plan Services | $1,527,483 reported compensation |
| Financial Engine Advisors, LLC | $1,389,822 reported compensation |
| Blackrock Institutional Trust Co | $895,375 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250916122623NAL0001862609001, received 2025-09-16, EIN 23-3064219, plan #006, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.
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