Criteo Corporation 401(k) Review & Grade
Criteo Corporation 401(k) Retirement Plan
New York, NYProfessional, Scientific & Technical Services676 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$7,086Employer $ per active participant
$15,530Employee $ saved per active participant
0.15%Direct admin cost, % of plan assets
$133.4MNet plan assets, end of year
$100,778Average balance per account
Score breakdown
- Employer generosity42.2 / 5084th percentile for employer $ per participant
- Low cost15.6 / 2563th percentile for low admin cost vs. same-size plans
- Employee saving13.6 / 1590th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score81 / 100 · Grade A
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 84th |
| Lower admin cost | 63th |
| Employee saving | 90th |
| Peers that auto-enroll | 48% |
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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
- Criteo put in about $7,086 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 | $4,793,668 |
| Participant (employee) contributions | $10,506,318 |
| Other contributions (incl. rollovers in) | $1,247,954 |
| Administrative expenses paid from the plan | $184,632 |
| Contract administrator fees | $1,200 |
| Investment advisory & management fees | $18,412 |
| Other admin expenses | $20,700 |
| Benefits paid out | $11,427,692 |
| Net assets, start / end of year | $107.4M / $133.4M |
| Active participants, start / end of year | 698 / 655 |
| Participants with account balances | 1,324 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Withumsmith Brown, PC |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $145,520 reported compensation |
| Capfinancial Partners, LLC | $31,000 reported compensation |
| Withumsmith+brown, P.C. | $8,112 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250909122722NAL0020213841001, received 2025-09-09, EIN 27-0460745, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.