Gartner, Inc. 401(k) Review & Grade
Gartner Inc. Savings and Investment Plan
Stamford, CTInformation10,803 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$5,321Employer $ per active participant
$13,425Employee $ saved per active participant
0.04%Direct admin cost, % of plan assets
$2.7BNet plan assets, end of year
$177,337Average balance per account
Score breakdown
- Employer generosity27.6 / 5055th percentile for employer $ per participant
- Low cost19.0 / 2576th percentile for low admin cost vs. same-size plans
- Employee saving10.3 / 1569th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score54 / 100 · Grade C
This plan vs. peers
Peers: Information plans with 10,000+ active participants (30 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 55th |
| Lower admin cost | 76th |
| Employee saving | 69th |
| Peers that auto-enroll | 60% |
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Red flags from the filing
Benefits not paid when due: the plan reported failing to pay some benefits on time.
Corrective distributions: the plan refunded $23,466 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Gartner put in about $5,321 per active participant, more than the typical peer ($5,217). 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 | $57,480,648 |
| Participant (employee) contributions | $145,032,876 |
| Other contributions (incl. rollovers in) | $28,471,785 |
| Administrative expenses paid from the plan | $1,064,502 |
| Investment advisory & management fees | $639,804 |
| Other admin expenses | $84,810 |
| Benefits paid out | $185,363,275 |
| Net assets, start / end of year | $2.3B / $2.7B |
| Active participants, start / end of year | 10,650 / 10,956 |
| Participants with account balances | 15,198 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Cohnreznick LLP |
Largest service providers (Schedule C)
| Strategic Advisors, Inc. | $639,804 reported compensation |
| Fidelity Investments Institutional | $339,888 reported compensation |
| Captrust | $84,810 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014094042NAL0001179523001, received 2025-10-14, EIN 04-3099750, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.