Bruker Corporation 401(k) Review & Grade
Bruker 401(k) Plan
Billerica, MAManufacturing2,215 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$3,588Employer $ per active participant
$10,341Employee $ saved per active participant
0.16%Direct admin cost, % of plan assets
$403.3MNet plan assets, end of year
$141,954Average balance per account
Score breakdown
- Employer generosity35.0 / 5070th percentile for employer $ per participant
- Low cost15.3 / 2561th percentile for low admin cost vs. same-size plans
- Employee saving13.6 / 1591th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score71 / 100 · Grade B
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 70th |
| Lower admin cost | 61th |
| Employee saving | 91th |
| Peers that auto-enroll | 59% |
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Red flags from the filing
Corrective distributions: the plan refunded $1,590 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Bruker put in about $3,588 per active participant, more than the typical peer ($2,320). 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 | $7,947,430 |
| Participant (employee) contributions | $22,904,312 |
| Other contributions (incl. rollovers in) | $8,685,002 |
| Administrative expenses paid from the plan | $562,132 |
| Contract administrator fees | $448,882 |
| Investment advisory & management fees | $56,250 |
| Benefits paid out | $34,134,833 |
| Net assets, start / end of year | $297.3M / $403.3M |
| Active participants, start / end of year | 2,270 / 2,160 |
| Participants with account balances | 2,841 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Cohnreznick LLP |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $448,878 reported compensation |
| Cohnreznick LLP | $57,000 reported compensation |
| Creative Planning, LLC | $56,250 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251007133635NAL0004840273001, received 2025-10-07, EIN 33-1064878, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.