Ses Americom Inc. 401(k) Review & Grade
Ses Americom Retirement and Savings Plan
Princeton, NJInformation699 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$8,991Employer $ per active participant
$15,116Employee $ saved per active participant
0.04%Direct admin cost, % of plan assets
$250.4MNet plan assets, end of year
$228,689Average balance per account
Score breakdown
- Employer generosity48.5 / 5097th percentile for employer $ per participant
- Low cost22.8 / 2591th percentile for low admin cost vs. same-size plans
- Employee saving13.1 / 1587th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score87 / 100 · Grade A
This plan vs. peers
Peers: Information plans with 500–2,499 active participants (310 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 97th |
| Lower admin cost | 91th |
| Employee saving | 87th |
| Peers that auto-enroll | 59% |
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Red flags from the filing
No red flags were reported on this filing's compliance questions.
What to do if you're in this plan
- Ses Americom put in about $8,991 per active participant, more than the typical peer ($2,829). 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 | $6,285,038 |
| Participant (employee) contributions | $10,566,042 |
| Other contributions (incl. rollovers in) | $1,781,084 |
| Administrative expenses paid from the plan | $90,320 |
| Other admin expenses | $90,320 |
| Benefits paid out | $47,998,483 |
| Net assets, start / end of year | $246.4M / $250.4M |
| Active participants, start / end of year | 727 / 671 |
| Participants with account balances | 1,095 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Wilkin & Guttenplan P.C. |
Largest service providers (Schedule C)
| The Vanguard Group, Inc. | $89,012 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250721155910NAL0004326930001, received 2025-07-21, EIN 13-2849985, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.