Celerion, Inc. 401(k) Review & Grade
Celerion, Inc 401(k) Plan
Lincoln, NEProfessional, Scientific & Technical Services948 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,392Employer $ per active participant
$5,657Employee $ saved per active participant
0.23%Direct admin cost, % of plan assets
$68.0MNet plan assets, end of year
$52,386Average balance per account
Score breakdown
- Employer generosity12.5 / 5025th percentile for employer $ per participant
- Low cost12.6 / 2550th percentile for low admin cost vs. same-size plans
- Employee saving4.3 / 1528th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score29 / 100 · Grade F
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 25th |
| Lower admin cost | 50th |
| Employee saving | 28th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Benefits not paid when due: the plan reported failing to pay some benefits on time.
What to do if you're in this plan
- Celerion put in about $1,392 per active participant, below the typical peer ($3,082). 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.
- 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 | $1,319,461 |
| Participant (employee) contributions | $5,362,652 |
| Other contributions (incl. rollovers in) | $368,954 |
| Administrative expenses paid from the plan | $143,267 |
| Contract administrator fees | $300 |
| Investment advisory & management fees | $39,972 |
| Benefits paid out | $5,306,230 |
| Net assets, start / end of year | $58.2M / $68.0M |
| Active participants, start / end of year | 957 / 939 |
| Participants with account balances | 1,299 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Denman CPA LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $103,196 reported compensation |
| Sageview Advisory Group LLC | $37,474 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251003150301NAL0003642242001, received 2025-10-03, EIN 36-4667250, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.