Retirement plan

CAPGEMINI FINANCIAL SERVICES USA, INC. 401(K) RETIREMENT PLAN

Name: CAPGEMINI AMERICA, INC. - CAPGEMINI FINANCIAL SERVICES USA, INC. 401(K) RETIREMENT PLAN (2022) Form 5500
Creator: CAPGEMINI AMERICA, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, CAPGEMINI FINANCIAL SERVICES USA, INC. 401(K) RETIREMENT PLAN, CAPGEMINI AMERICA, INC.

CAPGEMINI AMERICA, INC.EIN 22-2575929Plan #004PY 2022

6400 SHAFER COURT, SUITE 100 - ROSEMONT, IL 60018847-384-6161

Other plans on this EIN

3 filings

#005Retirement-$1.81B assets #006Retirement-$446.2M assets #001Retirement-$103.5M assets

Prospect flagsLow returnsCorrective distributions

How to read this page

Total assets (EOY)

$308.9M

-7.5% from 2018

Total participants

6,132

-7.5% from 2018

Average account balance

$63,526

+2.4% from 2018

Annual return

-19.33%

+26.73 pp from 2018

Benchmarks

See 900 peers

Peer group

Industry54 - Professional, Scientific, and Technical Services

Plan typeDefined contribution

Participants1,000-4,999

Cohort900 peers

Snapshot2022

Free accounts unlock saves, downloads, and 3-year history.

Analytics

Total assets (EOY)

Plan-year ending balance

$519.64M

Not enough data

1 years with asset history on file

Average account balance

Total assets / participants with a balance (line 6g)

$93K

Not enough data

1 years with per-participant data

Participants with account balance

Stacked by status: active / separated vested / retired or beneficiary. Total = line 6g.

5,590

Not enough data

1 years with headcount on file

Eligible Participants and Participation

Bars: eligible actives (line 6a). Line: derived rate = active employees with a balance / 6a.

64.3%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$57.72M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$10K

Not enough data

1 years with per-participant contribution data

Asset flow

BOY + contributions + return - distributions = EOY

Year

Annual return

Diverging bars; negative years highlighted

+21.20%

Not enough data

1 years with return on file

Admin fee / account holder

Total admin expenses / participants with a balance (line 6g)

$29

Not enough data

1 years with admin cost on file

Asset composition

Cash / stocks / bonds / mutual funds / real estate / loans over time

Not enough data

1 years with F_SCH_H allocation on file

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Service providers

Top 6 by compensation

Provider	Service type	Compensation
STRATEGIC ADVISORS, INC.6+ years Service code 27 · EIN 04-2654524	Advisory (Plan)	$176,754
CREATIVE PLANNING LLC1 year Filed as: CREATIVE PLANNING HOLDING CO LLC Service code 16 · EIN 84-4519624	Consulting	$37,000
CREATIVE PLANNING LLC1 year Filed as: CREATIVE PLANNING INC. Service code 16 · EIN 43-1270780	Consulting	$37,000
FORVIS, LLP1 year Filed as: FORVIS LLP Service code 10 · EIN 44-0160260	Accounting	$27,725
LOCKTON INVESTMENT ADVISORS, LLC2 years Filed as: LOCKTON INVESTMENT ADVISORS LLC Service code 27 · EIN 20-8874282	Advisory (Plan)	$18,500
FIDELITY INVESTMENTS INSTITUTIONAL6+ years Service code 37 · EIN 04-2647786	Loan Processing	-$21,352

Plan features & details

Pension benefit codes2E2F2G2J2K2T3H3D2R

Plan features

2E
Profit-sharing
Profit-sharing plan.
2F
ERISA section 404(c) plan
This plan or any part of it is intended to meet the conditions of 29 CFR 2550.404c-1 (shifting investment responsibility to participants).
2G
Total participant-directed account plan
Participants have the opportunity to direct the investment of all of the assets allocated to their individual accounts regardless of whether 29 CFR 2550.404c-1 is intended to be met.
2J
Code section 401(k) feature
Cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan under which employees may elect to defer part of their compensation or receive these amounts in cash.
2K
Code section 401(m) arrangement
Employee contributions are allocated to separate accounts under the plan or employer contributions are based in whole or in part on employee deferrals or contributions to the plan. Not applicable to 401(k) plans with only QNECs and/or QMACs or to 403(b)(1) 403(b)(7) or 408 arrangements.
2R
Participant-directed brokerage accounts
Participant-directed brokerage accounts provided as an investment option under the plan.
2T
Default investment account
Total or partial participant-directed account plan where plan uses a default investment account for participants who fail to direct assets in their account.
3D
Pre-approved pension plan
A master prototype or volume submitter plan that is the subject of a favorable opinion or advisory letter from the IRS.
3H
Controlled group member
Plan sponsor(s) is (are) a member(s) of a controlled group (Code sections 414(b) (c) or (m)).

Opportunity flags

2 tripped

OpportunityLow returns
Annual investment return is in the bottom quintile of the peer cohort.
ComplianceCorrective distributions
Plan reported corrective distributions (failed ADP/ACP testing).

Expense breakdown

Schedule H Part II

Admin total

$277K

$64 / participant

Investment mgmt$177K63.9%
Other / not subdivided$100K36.1%

% of EOY assets

0.090%

all-in expense ratio

Categories reported

1 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

Auditor firm: FORVIS LLP
Auditor EIN: 440160260
Audit fees: (not subdivided)
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$63,526

$95,388-33.4%

$125,401-49.3%

$77,906-18.5%

Participation rate

70.8%

78.6%-7.8pp

82.4%-11.6pp

73.7%-2.9pp

Annual return

-19.33%

116.19%-135.5pp

572.53%-591.9pp

12.16%-31.5pp

Employer contribution / active EE

$2,782

$3,666-24.1%

$4,816-42.2%

$2,846-2.3%

Participant deferral / active EE

$8,406

$7,711+9.0%

$7,448+12.9%

$4,805+74.9%

Admin fee / account holder

$57

$119-52.1%

$10,008-99.4%

$133-57.1%

Provider

Service type

Compensation

STRATEGIC ADVISORS, INC.6+ years

Service code 27 · EIN 04-2654524

Advisory (Plan)

$176,754

CREATIVE PLANNING LLC1 year

Filed as: CREATIVE PLANNING HOLDING CO LLC

Service code 16 · EIN 84-4519624

Consulting

$37,000

CREATIVE PLANNING LLC1 year

Filed as: CREATIVE PLANNING INC.

Service code 16 · EIN 43-1270780

Consulting

$37,000

FORVIS, LLP1 year

Filed as: FORVIS LLP

Service code 10 · EIN 44-0160260

Accounting

$27,725

LOCKTON INVESTMENT ADVISORS, LLC2 years

Filed as: LOCKTON INVESTMENT ADVISORS LLC

Service code 27 · EIN 20-8874282

Advisory (Plan)

$18,500

FIDELITY INVESTMENTS INSTITUTIONAL6+ years

Service code 37 · EIN 04-2647786

Loan Processing

-$21,352

CAPGEMINI FINANCIAL SERVICES USA, INC. 401(K) RETIREMENT PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

CAPGEMINI FINANCIAL SERVICES USA, INC. 401(K) RETIREMENT PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

Benchmarks

Service providers

Opportunity flags

Expense breakdown

Audit opinion

Benchmarks

Service providers

Opportunity flags

Expense breakdown

Audit opinion