Capgemini America, Inc. 401(k) Review & Grade
Capgemini Financial Services USA, Inc. 401(k) Retirement Plan
Rosemont, ILProfessional, Scientific & Technical Services4,904 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$3,530Employer $ per active participant
$8,243Employee $ saved per active participant
0.04%Direct admin cost, % of plan assets
$519.6MNet plan assets, end of year
$92,958Average balance per account
Score breakdown
- Employer generosity29.8 / 5060th percentile for employer $ per participant
- Low cost21.9 / 2587th percentile for low admin cost vs. same-size plans
- Employee saving6.7 / 1544th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score58 / 100 · Grade C
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 2,500–9,999 active participants (231 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 60th |
| Lower admin cost | 87th |
| Employee saving | 44th |
| Peers that auto-enroll | 47% |
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Red flags from the filing
Corrective distributions: the plan refunded $697 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Capgemini America put in about $3,530 per active participant, more than the typical peer ($2,951). 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 | $17,307,437 |
| Participant (employee) contributions | $40,417,329 |
| Other contributions (incl. rollovers in) | $8,869,875 |
| Administrative expenses paid from the plan | $163,745 |
| Contract administrator fees | $1,500 |
| Investment advisory & management fees | $212,085 |
| Benefits paid out | $33,923,528 |
| Net assets, start / end of year | $409.1M / $519.6M |
| Active participants, start / end of year | 4,050 / 5,757 |
| Participants with account balances | 5,590 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Forvis Mazars, LLP. |
Largest service providers (Schedule C)
| Strategic Advisors, Inc. | $212,085 reported compensation |
| Forvis Mazars, LLP | $45,950 reported compensation |
| Fidelity Investments Institutional | −$81,304 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250911202940NAL0001180080001, received 2025-09-11, EIN 22-2575929, plan #004, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.