Juniper Networks, Inc. 401(k) Review & Grade
Juniper Networks, Inc. 401(k) Plan
Sunnyvale, CAManufacturing4,646 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$5,918Employer $ per active participant
$21,259Employee $ saved per active participant
0.03%Direct admin cost, % of plan assets
$2.3BNet plan assets, end of year
$293,700Average balance per account
Score breakdown
- Employer generosity38.3 / 5077th percentile for employer $ per participant
- Low cost22.3 / 2589th percentile for low admin cost vs. same-size plans
- Employee saving14.9 / 1599th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score73 / 100 · Grade B
This plan vs. peers
Peers: Manufacturing plans with 2,500–9,999 active participants (566 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 77th |
| Lower admin cost | 89th |
| Employee saving | 99th |
| Peers that auto-enroll | 70% |
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Red flags from the filing
Benefits not paid when due: the plan reported failing to pay some benefits on time.
Corrective distributions: the plan refunded $7,013 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Juniper Networks put in about $5,918 per active participant, more than the typical peer ($3,452). 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 | $27,490,842 |
| Participant (employee) contributions | $98,759,857 |
| Other contributions (incl. rollovers in) | $19,089,984 |
| Administrative expenses paid from the plan | $652,418 |
| Investment advisory & management fees | $334,082 |
| Other admin expenses | $8,463 |
| Benefits paid out | $159,127,551 |
| Net assets, start / end of year | $1.9B / $2.3B |
| Active participants, start / end of year | 4,613 / 4,678 |
| Participants with account balances | 7,683 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Baker Tilly US, LLP |
Largest service providers (Schedule C)
| Strategic Advisors, Inc. | $334,082 reported compensation |
| Mercer Investments LLC | $8,463 reported compensation |
| Fidelity Investments Institutional | $2,630 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250905134650NAL0017246577001, received 2025-09-05, EIN 77-0422528, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.