Certara USA, Inc. 401(k) Review & Grade
Certara USA, Inc. 401(k) Plan
Radnor, PAProfessional, Scientific & Technical Services577 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$5,093Employer $ per active participant
$15,170Employee $ saved per active participant
0.15%Direct admin cost, % of plan assets
$99.8MNet plan assets, end of year
$126,356Average balance per account
Score breakdown
- Employer generosity37.0 / 5074th percentile for employer $ per participant
- Low cost15.8 / 2563th percentile for low admin cost vs. same-size plans
- Employee saving13.3 / 1589th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score73 / 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 | 74th |
| Lower admin cost | 63th |
| Employee saving | 89th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Corrective distributions: the plan refunded $12,666 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Certara USA put in about $5,093 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 | $2,938,561 |
| Participant (employee) contributions | $8,752,824 |
| Other contributions (incl. rollovers in) | $2,027,442 |
| Administrative expenses paid from the plan | $140,103 |
| Investment advisory & management fees | $64,310 |
| Benefits paid out | $12,729,061 |
| Net assets, start / end of year | $86.1M / $99.8M |
| Active participants, start / end of year | 586 / 568 |
| Participants with account balances | 790 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Schmersahl Treloar & Co. |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company O | $75,793 reported compensation |
| Capfinancial Partners LLC DBA Captr | $56,950 reported compensation |
| Empower Advisory Group, LLC | $7,360 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014123714NAL0001353875001, received 2025-10-14, EIN 51-0625438, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.