Sprinklr, Inc. 401(k) Review & Grade
Sprinklr 401(k) Plan
New York, NYInformation766 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,416Employer $ per active participant
$14,043Employee $ saved per active participant
0.38%Direct admin cost, % of plan assets
$71.8MNet plan assets, end of year
$57,699Average balance per account
Score breakdown
- Employer generosity12.3 / 5025th percentile for employer $ per participant
- Low cost8.1 / 2532th percentile for low admin cost vs. same-size plans
- Employee saving12.2 / 1581th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score30 / 100 · Grade D
This plan vs. peers
Peers: Information plans with 500–2,499 active participants (310 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 25th |
| Lower admin cost | 32th |
| Employee saving | 81th |
| Peers that auto-enroll | 59% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($353,230 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Corrective distributions: the plan refunded $21,376 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Sprinklr put in about $1,416 per active participant, below the typical peer ($2,829). Any match is still an instant return, so contribute enough to get all of it.
- 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.
- Direct plan expenses (0.38% of assets) are well above similar-size plans (0.23%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- The plan auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- The plan reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- 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 | $1,083,772 |
| Participant (employee) contributions | $10,750,180 |
| Other contributions (incl. rollovers in) | $3,407,728 |
| Administrative expenses paid from the plan | $245,155 |
| Investment advisory & management fees | $62,790 |
| Other admin expenses | −$1 |
| Benefits paid out | $10,325,817 |
| Net assets, start / end of year | $57.5M / $71.8M |
| Active participants, start / end of year | 793 / 738 |
| Participants with account balances | 1,244 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Armanino LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $162,153 reported compensation |
| Silicon Valley Retirement Services | $48,000 reported compensation |
| Armanino LLP | $20,213 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250925152638NAL0007769473001, received 2025-09-25, EIN 45-4771485, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.