Constant Contact, Inc. 401(k) Review & Grade
Constant Contact Inc. 401k Plan
Waltham, MAInformation952 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$3,862Employer $ per active participant
$8,666Employee $ saved per active participant
0.10%Direct admin cost, % of plan assets
$117.1MNet plan assets, end of year
$91,037Average balance per account
Score breakdown
- Employer generosity33.8 / 5068th percentile for employer $ per participant
- Low cost18.4 / 2574th percentile for low admin cost vs. same-size plans
- Employee saving7.4 / 1549th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score63 / 100 · Grade B
This plan vs. peers
Peers: Information plans with 500–2,499 active participants (310 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 68th |
| Lower admin cost | 74th |
| Employee saving | 49th |
| Peers that auto-enroll | 59% |
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Red flags from the filing
No red flags were reported on this filing's compliance questions.
What to do if you're in this plan
- Constant Contact put in about $3,862 per active participant, more than the typical peer ($2,829). 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 | $3,674,665 |
| Participant (employee) contributions | $8,245,248 |
| Other contributions (incl. rollovers in) | $2,768,191 |
| Administrative expenses paid from the plan | $109,834 |
| Investment advisory & management fees | $14,612 |
| Other admin expenses | $3,217 |
| Benefits paid out | $12,550,311 |
| Net assets, start / end of year | $99.2M / $117.1M |
| Active participants, start / end of year | 913 / 990 |
| Participants with account balances | 1,286 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Caron & Bletzer, PLLC |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $76,567 reported compensation |
| Mercer Investments LLC | $12,500 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250617102915NAL0004001442001, received 2025-06-17, EIN 04-3285398, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.