Clarivate Analytics (US) LLC 401(k) Review & Grade
Clarivate Analytics 401(k) Savings Plan
Ann Arbor, MIInformation2,746 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$4,608Employer $ per active participant
$12,298Employee $ saved per active participant
0.07%Direct admin cost, % of plan assets
$519.6MNet plan assets, end of year
$142,212Average balance per account
Score breakdown
- Employer generosity32.2 / 5064th percentile for employer $ per participant
- Low cost16.7 / 2567th percentile for low admin cost vs. same-size plans
- Employee saving10.7 / 1571th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score67 / 100 · Grade B
This plan vs. peers
Peers: Information plans with 2,500–9,999 active participants (60 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 64th |
| Lower admin cost | 67th |
| Employee saving | 71th |
| Peers that auto-enroll | 63% |
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Red flags from the filing
Corrective distributions: the plan refunded $2,838 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Clarivate Analytics (US) put in about $4,608 per active participant, more than the typical peer ($3,691). 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 | $12,654,715 |
| Participant (employee) contributions | $33,770,526 |
| Other contributions (incl. rollovers in) | $7,843,274 |
| Administrative expenses paid from the plan | $356,190 |
| Investment advisory & management fees | $117,356 |
| Benefits paid out | $46,231,222 |
| Net assets, start / end of year | $447.3M / $519.6M |
| Active participants, start / end of year | 2,760 / 2,732 |
| Participants with account balances | 3,654 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Baker Tilly US, LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $225,780 reported compensation |
| Strategic Advisors, Inc. | $117,356 reported compensation |
| Baker Tilly US, LLP | $13,054 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251003091102NAL0000747731001, received 2025-10-03, EIN 23-1569117, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.