Computershare US Services Inc. 401(k) Review & Grade
Computershare 401(k) Retirement Plan
Canton, MAFinance & Insurance5,190 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$3,229Employer $ per active participant
$7,201Employee $ saved per active participant
0.05%Direct admin cost, % of plan assets
$634.8MNet plan assets, end of year
$99,039Average balance per account
Score breakdown
- Employer generosity16.4 / 5033th percentile for employer $ per participant
- Low cost19.7 / 2579th percentile for low admin cost vs. same-size plans
- Employee saving5.2 / 1534th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score48 / 100 · Grade C
This plan vs. peers
Peers: Finance & Insurance plans with 2,500–9,999 active participants (199 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 33th |
| Lower admin cost | 79th |
| Employee saving | 34th |
| Peers that auto-enroll | 66% |
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Red flags from the filing
Corrective distributions: the plan refunded $15,683 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Computershare US Services put in about $3,229 per active participant, below the typical peer ($4,489). 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 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 | $16,759,681 |
| Participant (employee) contributions | $37,374,858 |
| Other contributions (incl. rollovers in) | $8,791,209 |
| Administrative expenses paid from the plan | $307,654 |
| Contract administrator fees | $1,800 |
| Investment advisory & management fees | $32,137 |
| Other admin expenses | $62,625 |
| Benefits paid out | $107,747,185 |
| Net assets, start / end of year | $611.7M / $634.8M |
| Active participants, start / end of year | 5,902 / 4,479 |
| Participants with account balances | 6,410 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Pricewaterhousecoopers LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $212,892 reported compensation |
| Aon Investments USA Inc. | $62,625 reported compensation |
| Pricewaterhousewaters LLC | $31,137 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251010080824NAL0004060675001, received 2025-10-10, EIN 20-2974794, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.