Dassault Systemes Americas Corp. 401(k) Review & Grade
Dassault Systemes Employee Savings Plan Plus
Waltham, MAProfessional, Scientific & Technical Services6,149 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$5,817Employer $ per active participant
$17,797Employee $ saved per active participant
0.05%Direct admin cost, % of plan assets
$2.1BNet plan assets, end of year
$270,024Average balance per account
Score breakdown
- Employer generosity40.2 / 5080th percentile for employer $ per participant
- Low cost20.0 / 2580th percentile for low admin cost vs. same-size plans
- Employee saving13.8 / 1592th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score74 / 100 · Grade B
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 2,500–9,999 active participants (231 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 80th |
| Lower admin cost | 80th |
| Employee saving | 92th |
| Peers that auto-enroll | 47% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
Red flags from the filing
Corrective distributions: the plan refunded $22,535 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Dassault Systemes Americas put in about $5,817 per active participant, more than the typical peer ($2,951). 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 | $35,770,528 |
| Participant (employee) contributions | $109,434,425 |
| Other contributions (incl. rollovers in) | $10,369,557 |
| Administrative expenses paid from the plan | $901,876 |
| Contract administrator fees | $1,800 |
| Investment advisory & management fees | $378,492 |
| Other admin expenses | $258,601 |
| Benefits paid out | $151,455,825 |
| Net assets, start / end of year | $1.8B / $2.1B |
| Active participants, start / end of year | 6,105 / 6,193 |
| Participants with account balances | 7,732 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Caron & Bletzer, PLLC |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $264,783 reported compensation |
| Gallagher Fiduciary Advisors, LLC | $200,000 reported compensation |
| Strategic Advisors, Inc. | $178,492 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250930084756NAL0016226947001, received 2025-09-30, EIN 51-0379588, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.