Science Applications International Corporation 401(k) Review & Grade
Science Applications International Corporation Retirement Plan
Reston, VAProfessional, Scientific & Technical Services18,208 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$4,719Employer $ per active participant
$12,425Employee $ saved per active participant
0.06%Direct admin cost, % of plan assets
$5.4BNet plan assets, end of year
$170,791Average balance per account
Score breakdown
- Employer generosity39.9 / 5080th percentile for employer $ per participant
- Low cost16.9 / 2567th percentile for low admin cost vs. same-size plans
- Employee saving11.7 / 1578th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score69 / 100 · Grade B
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 10,000+ active participants (70 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 80th |
| Lower admin cost | 67th |
| Employee saving | 78th |
| Peers that auto-enroll | 39% |
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Red flags from the filing
Corrective distributions: the plan refunded $34,510 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Science Applications International put in about $4,719 per active participant, more than the typical peer ($2,932). 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 | $85,921,812 |
| Participant (employee) contributions | $226,235,729 |
| Other contributions (incl. rollovers in) | $52,655,917 |
| Administrative expenses paid from the plan | $2,899,655 |
| Other admin expenses | $2,899,655 |
| Benefits paid out | $573,189,344 |
| Net assets, start / end of year | $5.0B / $5.4B |
| Active participants, start / end of year | 18,057 / 18,359 |
| Participants with account balances | 31,738 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Grant Thornton LLP |
| Employer stock held by plan | $108,969,290 |
Largest service providers (Schedule C)
| Vanguard Advisers Inc. | $1,535,464 reported compensation |
| The Vanguard Group, Inc. | $1,185,619 reported compensation |
| Creative Planning | $90,562 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250626114549NAL0012379536001, received 2025-06-26, EIN 30-6419427, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.