Zensar Technologies, Inc. 401(k) Review & Grade
Zensar 401(k) Plan
Princeton, NJProfessional, Scientific & Technical Services852 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,315Employer $ per active participant
$8,859Employee $ saved per active participant
0.04%Direct admin cost, % of plan assets
$109.3MNet plan assets, end of year
$87,078Average balance per account
Score breakdown
- Employer generosity19.1 / 5038th percentile for employer $ per participant
- Low cost22.4 / 2590th percentile for low admin cost vs. same-size plans
- Employee saving7.2 / 1548th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score49 / 100 · Grade C
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 38th |
| Lower admin cost | 90th |
| Employee saving | 48th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Corrective distributions: the plan refunded $5,178 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Zensar Technologies put in about $2,315 per active participant, below the typical peer ($3,082). 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.
- 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 | $1,972,805 |
| Participant (employee) contributions | $7,547,729 |
| Other contributions (incl. rollovers in) | $920,925 |
| Administrative expenses paid from the plan | $43,426 |
| Investment advisory & management fees | $32,913 |
| Benefits paid out | $13,374,185 |
| Net assets, start / end of year | $95.8M / $109.3M |
| Active participants, start / end of year | 823 / 881 |
| Participants with account balances | 1,255 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Stowe & Degon LLC |
Largest service providers (Schedule C)
| Strategic Advisors, Inc. | $32,913 reported compensation |
| Fidelity Investments Institutional | $10,513 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013101606NAL0002446770001, received 2025-10-13, EIN 77-0283746, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.