Genpact, LLC 401(k) Review & Grade
Genpact U. S. 401(k) Savings Plan
New York, NYAdministrative, Support & Staffing Services6,712 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$3,203Employer $ per active participant
$6,388Employee $ saved per active participant
0.11%Direct admin cost, % of plan assets
$602.3MNet plan assets, end of year
$92,844Average balance per account
Score breakdown
- Employer generosity46.0 / 5092th percentile for employer $ per participant
- Low cost13.7 / 2555th percentile for low admin cost vs. same-size plans
- Employee saving13.9 / 1593th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score77 / 100 · Grade A
This plan vs. peers
Peers: Administrative, Support & Staffing Services plans with 2,500–9,999 active participants (125 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 92th |
| Lower admin cost | 55th |
| Employee saving | 93th |
| Peers that auto-enroll | 22% |
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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
- Genpact put in about $3,203 per active participant, more than the typical peer ($342). 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 | $21,503,355 |
| Participant (employee) contributions | $42,881,075 |
| Other contributions (incl. rollovers in) | $8,513,208 |
| Administrative expenses paid from the plan | $612,967 |
| Contract administrator fees | $133,168 |
| Investment advisory & management fees | $353,422 |
| Benefits paid out | $81,699,168 |
| Net assets, start / end of year | $531.2M / $602.3M |
| Active participants, start / end of year | 7,642 / 5,783 |
| Participants with account balances | 6,487 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Cohnreznick, LLP |
Largest service providers (Schedule C)
| Voya Retirement Advisors | $267,368 reported compensation |
| Voya Institutional Plan Services | $259,545 reported compensation |
| Goldman Sachs | $86,054 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250929100035NAL0015014483001, received 2025-09-29, EIN 22-3658826, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.