Cornerstone Research, Inc. 401(k) Review & Grade
Cornerstone Research 401(k) and Profit Sharing Plan
Boston, MAProfessional, Scientific & Technical Services919 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$12,711Employer $ per active participant
$15,447Employee $ saved per active participant
0.00%Direct admin cost, % of plan assets
$346.4MNet plan assets, end of year
$189,211Average balance per account
Score breakdown
- Employer generosity47.3 / 5095th percentile for employer $ per participant
- Low cost25.0 / 25100th percentile for low admin cost vs. same-size plans
- Employee saving13.4 / 1590th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score96 / 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 | 95th |
| Lower admin cost | 100th |
| Employee saving | 90th |
| 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
- Cornerstone Research put in about $12,711 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 | $11,681,395 |
| Participant (employee) contributions | $14,195,484 |
| Other contributions (incl. rollovers in) | $1,269,884 |
| Administrative expenses paid from the plan | $1,850 |
| Benefits paid out | $12,912,729 |
| Net assets, start / end of year | $288.5M / $346.4M |
| Active participants, start / end of year | 900 / 938 |
| Participants with account balances | 1,831 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Crawford Pimentel |
Largest service providers (Schedule C)
| Charles Schwab & Co., Inc. | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250814155018NAL0013795680001, received 2025-08-14, EIN 94-3092543, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.