The Capital Markets Company 401(k) Review & Grade
The Capco 401(k) Profit Sharing Plan
New York, NYProfessional, Scientific & Technical Services1,289 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$3,478Employer $ per active participant
$10,820Employee $ saved per active participant
0.13%Direct admin cost, % of plan assets
$171.9MNet plan assets, end of year
$93,363Average balance per account
Score breakdown
- Employer generosity28.7 / 5057th percentile for employer $ per participant
- Low cost16.8 / 2567th percentile for low admin cost vs. same-size plans
- Employee saving9.8 / 1566th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score62 / 100 · Grade B
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 57th |
| Lower admin cost | 67th |
| Employee saving | 66th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Corrective distributions: the plan refunded $2,343 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Capital Markets put in about $3,478 per active participant, more than the typical peer ($3,082). 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 | $4,482,633 |
| Participant (employee) contributions | $13,946,985 |
| Other contributions (incl. rollovers in) | $2,311,569 |
| Administrative expenses paid from the plan | $207,007 |
| Other admin expenses | $207,007 |
| Benefits paid out | $19,221,237 |
| Net assets, start / end of year | $148.8M / $171.9M |
| Active participants, start / end of year | 1,343 / 1,235 |
| Participants with account balances | 1,841 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Barnes Denning |
Largest service providers (Schedule C)
| The Vanguard Group, Inc. | $185,048 reported compensation |
| Smith, Gambrell & Russell, LLP | $24,860 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251001085117NAL0013963152001, received 2025-10-01, EIN 04-3441053, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.