NTT Global Data Centers Americas, Inc. 401(k) Review & Grade
NTT Global Data Centers Americas, Inc. 401(k) Plan
Sacramento, CAProfessional, Scientific & Technical Services742 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$4,620Employer $ per active participant
$9,323Employee $ saved per active participant
0.45%Direct admin cost, % of plan assets
$55.7MNet plan assets, end of year
$58,089Average balance per account
Score breakdown
- Employer generosity35.5 / 5071th percentile for employer $ per participant
- Low cost6.6 / 2527th percentile for low admin cost vs. same-size plans
- Employee saving7.9 / 1553th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score60 / 100 · Grade B
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 71th |
| Lower admin cost | 27th |
| Employee saving | 53th |
| 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
- NTT Global Data Centers Americas put in about $4,620 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.
- Direct plan expenses (0.45% of assets) are well above similar-size plans (0.23%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- 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 | $3,430,697 |
| Participant (employee) contributions | $6,922,190 |
| Other contributions (incl. rollovers in) | $3,007,058 |
| Administrative expenses paid from the plan | $210,502 |
| Contract administrator fees | $210,502 |
| Benefits paid out | $2,090,923 |
| Net assets, start / end of year | $38.2M / $55.7M |
| Active participants, start / end of year | 625 / 860 |
| Participants with account balances | 959 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Gilbert Cpas |
Largest service providers (Schedule C)
| NFP Retirement Inc | $52,948 reported compensation |
| Ubs Financial Services Inc | $11,026 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014091150NAL0005221010001, received 2025-10-14, EIN 88-0462170, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.