Duck Creek Technologies, LLC 401(k) Review & Grade
Duck Creek Technologies 401(k) Plan
Boston, MAProfessional, Scientific & Technical Services744 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$7,853Employer $ per active participant
$13,566Employee $ saved per active participant
0.06%Direct admin cost, % of plan assets
$176.4MNet plan assets, end of year
$166,101Average balance per account
Score breakdown
- Employer generosity43.1 / 5086th percentile for employer $ per participant
- Low cost20.8 / 2583th percentile for low admin cost vs. same-size plans
- Employee saving12.4 / 1582th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score76 / 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 | 86th |
| Lower admin cost | 83th |
| Employee saving | 82th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($9,078 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
What to do if you're in this plan
- Duck Creek Technologies put in about $7,853 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.
- The plan reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- 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 | $5,842,901 |
| Participant (employee) contributions | $10,092,955 |
| Other contributions (incl. rollovers in) | $2,268,510 |
| Administrative expenses paid from the plan | $105,717 |
| Benefits paid out | $18,883,340 |
| Net assets, start / end of year | $153.7M / $176.4M |
| Active participants, start / end of year | 782 / 706 |
| Participants with account balances | 1,062 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Forvis Mazars, LLP |
Largest service providers (Schedule C)
| T Rowe Price RPS Inc | $106,122 reported compensation |
| Charles Schwab & Co., Inc. | $356 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014093031NAL0003534448001, received 2025-10-14, EIN 47-5654931, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.