Epam Systems, Inc 401(k) Review & Grade
Epam Systems, Inc. 401(k) Plan
Newtown, PAProfessional, Scientific & Technical Services3,024 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$5,990Employer $ per active participant
$13,718Employee $ saved per active participant
0.07%Direct admin cost, % of plan assets
$453.5MNet plan assets, end of year
$104,572Average balance per account
Score breakdown
- Employer generosity40.7 / 5081th percentile for employer $ per participant
- Low cost16.8 / 2567th percentile for low admin cost vs. same-size plans
- Employee saving11.8 / 1579th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score76 / 100 · Grade A
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 2,500–9,999 active participants (231 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 81th |
| Lower admin cost | 67th |
| Employee saving | 79th |
| Peers that auto-enroll | 47% |
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Red flags from the filing
Corrective distributions: the plan refunded $21,879 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Epam Systems put in about $5,990 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.
- 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 | $18,117,639 |
| Participant (employee) contributions | $41,490,660 |
| Other contributions (incl. rollovers in) | $7,594,919 |
| Administrative expenses paid from the plan | $293,819 |
| Contract administrator fees | $300 |
| Investment advisory & management fees | $55,000 |
| Benefits paid out | $32,889,768 |
| Net assets, start / end of year | $358.5M / $453.5M |
| Active participants, start / end of year | 3,037 / 3,012 |
| Participants with account balances | 4,337 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Kreischer Miller |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $216,137 reported compensation |
| NFP Retirement Inc | $55,000 reported compensation |
| Kreischer Miller | $25,025 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251002114604NAL0001106530001, received 2025-10-02, EIN 22-3536104, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.