Perficient, Inc. 401(k) Review & Grade
The Perficient, Inc. 401(k) Employee Savings Plan
ST. Louis, MOProfessional, Scientific & Technical Services2,560 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$3,247Employer $ per active participant
$11,755Employee $ saved per active participant
0.12%Direct admin cost, % of plan assets
$391.4MNet plan assets, end of year
$109,707Average balance per account
Score breakdown
- Employer generosity27.2 / 5054th percentile for employer $ per participant
- Low cost12.7 / 2551th percentile for low admin cost vs. same-size plans
- Employee saving9.9 / 1566th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score40 / 100 · Grade D
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 2,500–9,999 active participants (231 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 54th |
| Lower admin cost | 51th |
| Employee saving | 66th |
| Peers that auto-enroll | 47% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($14,739 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Corrective distributions: the plan refunded $9,481 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Perficient put in about $3,247 per active participant, more than the typical peer ($2,951). 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.
- 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 | $8,313,507 |
| Participant (employee) contributions | $30,093,266 |
| Other contributions (incl. rollovers in) | $3,886,284 |
| Administrative expenses paid from the plan | $448,879 |
| Investment advisory & management fees | $62,500 |
| Benefits paid out | $54,780,445 |
| Net assets, start / end of year | $352.8M / $391.4M |
| Active participants, start / end of year | 2,670 / 2,450 |
| Participants with account balances | 3,568 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Armanino LLP |
| Employer stock held by plan | $655 |
Largest service providers (Schedule C)
| Transamerica Retirement Solutions | $321,004 reported compensation |
| Armanino LLP | $65,375 reported compensation |
| Moneta Group Investment Advisors | $62,500 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251009120156NAL0006946337001, received 2025-10-09, EIN 74-2853258, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.