Cambridge Associates, LLC 401(k) Review & Grade
Cambridge Associates, LLC 401(k) Savings Plan & Trust
Boston, MAFinance & Insurance1,139 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$5,918Employer $ per active participant
$13,871Employee $ saved per active participant
0.05%Direct admin cost, % of plan assets
$366.4MNet plan assets, end of year
$180,846Average balance per account
Score breakdown
- Employer generosity37.7 / 5075th percentile for employer $ per participant
- Low cost22.2 / 2589th percentile for low admin cost vs. same-size plans
- Employee saving13.1 / 1587th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score76 / 100 · Grade A
This plan vs. peers
Peers: Finance & Insurance plans with 500–2,499 active participants (754 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 75th |
| Lower admin cost | 89th |
| Employee saving | 87th |
| Peers that auto-enroll | 62% |
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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
- Cambridge Associates put in about $5,918 per active participant, more than the typical peer ($3,606). 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.
- 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 | $6,740,663 |
| Participant (employee) contributions | $15,799,394 |
| Other contributions (incl. rollovers in) | $2,138,986 |
| Administrative expenses paid from the plan | $155,152 |
| Other admin expenses | $155,152 |
| Benefits paid out | $20,554,851 |
| Net assets, start / end of year | $318.3M / $366.4M |
| Active participants, start / end of year | 1,155 / 1,123 |
| Participants with account balances | 2,026 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Pricewaterhousecoopers LLP |
Largest service providers (Schedule C)
| The Vanguard Group, Inc. | $158,502 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015105655NAL0002285155001, received 2025-10-15, EIN 04-3515240, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.