Ipsos America, Inc 401(k) Review & Grade
Ipsos America , Inc 401(k) Plan
Norwalk, CTProfessional, Scientific & Technical Services1,974 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,306Employer $ per active participant
$10,215Employee $ saved per active participant
0.07%Direct admin cost, % of plan assets
$398.8MNet plan assets, end of year
$152,926Average balance per account
Score breakdown
- Employer generosity19.0 / 5038th percentile for employer $ per participant
- Low cost20.3 / 2581th percentile for low admin cost vs. same-size plans
- Employee saving9.1 / 1561th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score48 / 100 · Grade C
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 38th |
| Lower admin cost | 81th |
| Employee saving | 61th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Corrective distributions: the plan refunded $3,726 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Ipsos America put in about $2,306 per active participant, below the typical peer ($3,082). Any match is still an instant return, so contribute enough to get all of it.
- 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 | $4,552,994 |
| Participant (employee) contributions | $20,164,844 |
| Other contributions (incl. rollovers in) | $1,082,898 |
| Administrative expenses paid from the plan | $270,934 |
| Contract administrator fees | $185,787 |
| Investment advisory & management fees | $66,347 |
| Benefits paid out | $32,384,169 |
| Net assets, start / end of year | $360.3M / $398.8M |
| Active participants, start / end of year | 2,025 / 1,923 |
| Participants with account balances | 2,608 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Caron & Bletzer , PLLC |
Largest service providers (Schedule C)
| John Hancock | $202,134 reported compensation |
| Mma Securities LL | $50,000 reported compensation |
| Caron & Bletzer | $18,800 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250731142701NAL0013455666001, received 2025-07-31, EIN 52-2073631, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.