Coursera, Inc. 401(k) Review & Grade
Coursera 401(k) Plan
Mountain View, CAInformation624 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,614Employer $ per active participant
$15,431Employee $ saved per active participant
0.01%Direct admin cost, % of plan assets
$72.4MNet plan assets, end of year
$72,171Average balance per account
Score breakdown
- Employer generosity22.0 / 5044th percentile for employer $ per participant
- Low cost24.5 / 2598th percentile for low admin cost vs. same-size plans
- Employee saving13.3 / 1589th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score70 / 100 · Grade B
This plan vs. peers
Peers: Information plans with 500–2,499 active participants (310 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 44th |
| Lower admin cost | 98th |
| Employee saving | 89th |
| Peers that auto-enroll | 59% |
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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
- Coursera put in about $2,614 per active participant, below the typical peer ($2,829). 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 | $1,631,177 |
| Participant (employee) contributions | $9,628,900 |
| Other contributions (incl. rollovers in) | $1,541,304 |
| Administrative expenses paid from the plan | $5,939 |
| Benefits paid out | $7,448,055 |
| Net assets, start / end of year | $57.4M / $72.4M |
| Active participants, start / end of year | 646 / 602 |
| Participants with account balances | 1,003 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Silicon Valley Accountancy Corporat |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $3,149 reported compensation |
| The Vanguard Group, Inc. | $2,790 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250925105705NAL0008437681001, received 2025-09-25, EIN 45-3560292, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.