Repligen Corporation 401(k) Review & Grade
Repligen 401(k) Savings Plan
Waltham, MAManufacturing1,140 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,534Employer $ per active participant
$8,589Employee $ saved per active participant
0.02%Direct admin cost, % of plan assets
$86.6MNet plan assets, end of year
$62,792Average balance per account
Score breakdown
- Employer generosity27.3 / 5055th percentile for employer $ per participant
- Low cost23.7 / 2595th percentile for low admin cost vs. same-size plans
- Employee saving12.6 / 1584th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score64 / 100 · Grade B
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 55th |
| Lower admin cost | 95th |
| Employee saving | 84th |
| Peers that auto-enroll | 59% |
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Red flags from the filing
Corrective distributions: the plan refunded $6,408 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Repligen put in about $2,534 per active participant, more than the typical peer ($2,320). 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 | $2,890,533 |
| Participant (employee) contributions | $9,795,853 |
| Other contributions (incl. rollovers in) | $2,345,278 |
| Administrative expenses paid from the plan | $17,345 |
| Benefits paid out | $10,684,200 |
| Net assets, start / end of year | $72.0M / $86.6M |
| Active participants, start / end of year | 1,155 / 1,126 |
| Participants with account balances | 1,379 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Gray, Gray, & Gray LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $17,345 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014071801NAL0001068307001, received 2025-10-14, EIN 04-2729386, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.