The Dun & Bradstreet Corporation 401(k) Review & Grade
The Dun & Bradstreet Corporation 401(k) Plan
Jacksonville, FLAdministrative, Support & Staffing Services2,339 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$4,208Employer $ per active participant
$13,651Employee $ saved per active participant
0.02%Direct admin cost, % of plan assets
$1.3BNet plan assets, end of year
$272,393Average balance per account
Score breakdown
- Employer generosity46.9 / 5094th percentile for employer $ per participant
- Low cost24.1 / 2596th percentile for low admin cost vs. same-size plans
- Employee saving14.8 / 1599th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score93 / 100 · Grade A
This plan vs. peers
Peers: Administrative, Support & Staffing Services plans with 500–2,499 active participants (401 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 94th |
| Lower admin cost | 96th |
| Employee saving | 99th |
| Peers that auto-enroll | 27% |
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Red flags from the filing
Corrective distributions: the plan refunded $8,351 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Dun & Bradstreet put in about $4,208 per active participant, more than the typical peer ($712). 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 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 | $9,842,905 |
| Participant (employee) contributions | $31,930,744 |
| Other contributions (incl. rollovers in) | $3,198,094 |
| Administrative expenses paid from the plan | $190,784 |
| Investment advisory & management fees | $190,784 |
| Benefits paid out | $117,179,420 |
| Net assets, start / end of year | $1.2B / $1.3B |
| Active participants, start / end of year | 2,439 / 2,239 |
| Participants with account balances | 4,698 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Eisneramper LLP |
Largest service providers (Schedule C)
| Strategic Advisors, Inc. | $190,784 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251012175549NAL0000139603001, received 2025-10-12, EIN 22-3725387, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.