Coforge Limited 401(k) Review & Grade
Coforge Limited 401(k) Plan
Princeton, NJProfessional, Scientific & Technical Services1,254 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,117Employer $ per active participant
$7,401Employee $ saved per active participant
0.24%Direct admin cost, % of plan assets
$99.4MNet plan assets, end of year
$63,067Average balance per account
Score breakdown
- Employer generosity17.5 / 5035th percentile for employer $ per participant
- Low cost12.1 / 2548th percentile for low admin cost vs. same-size plans
- Employee saving5.7 / 1538th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score28 / 100 · Grade F
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 35th |
| Lower admin cost | 48th |
| Employee saving | 38th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($1,250,592 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
What to do if you're in this plan
- Coforge Limited put in about $2,117 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.
- The plan reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- 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 | $2,655,188 |
| Participant (employee) contributions | $9,284,826 |
| Other contributions (incl. rollovers in) | $1,431,291 |
| Administrative expenses paid from the plan | $220,052 |
| Investment advisory & management fees | $86,367 |
| Benefits paid out | $8,687,453 |
| Net assets, start / end of year | $82.4M / $99.4M |
| Active participants, start / end of year | 1,095 / 1,414 |
| Participants with account balances | 1,576 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Knav CPA LLP. |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $134,285 reported compensation |
| Onedigital Investment Advisors LLC | $56,000 reported compensation |
| Strategic Advisors, Inc. | $29,767 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015111133NAL0002194147001, received 2025-10-15, EIN 20-0871709, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.