Retirement plan

ORACLE CORPORATION 401(K) SAVINGS AND INVESTMENT PLAN

Name: ORACLE CORPORATION - ORACLE CORPORATION 401(K) SAVINGS AND INVESTMENT PLAN (2019) Form 5500
Creator: ORACLE CORPORATION
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, ORACLE CORPORATION 401(K) SAVINGS AND INVESTMENT PLAN, ORACLE CORPORATION

ORACLE CORPORATIONEIN 54-2185193Plan #001PY 2019

500 ORACLE PARKWAY, M/S 5OP8, BENEFITS - REDWOOD SHORES, CA 94065650-506-7000

Prospect flagsCorrective distributions

Top hat statement on fileNQDC

Filed May 11, 2015

Plan administrator

Plan administrator name— Sign in and upgrade to view

500 Oracle Parkway, M/S 5OP8

Redwood City State: CA Zip Code: 94065

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Plans declared (7)

Oracle Corporation Stock Unit Award Deferral Compensation Plan121 emp
Oracle Corporation Deferred Compensation Plan945 emp
Oracle Corporation 1993 Deferred Compensation Plan220 emp
PeopleSoft, Inc. Executive Deferred Compensation Plan64 emp
BEA Systems, Inc. Executive Deferred Compensation Plan1 emp
+2 more

Total covered: 1,363 employees

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Total assets (EOY)

$17501.6M

-7.8% from 2016

Total participants

82,077

-1.2% from 2016

Average account balance

$226,787

-6.4% from 2016

Annual return

24.62%

-9.76 pp from 2016

Benchmarks

See 86 peers

Peer group

Industry54 - Professional, Scientific, and Technical Services

Plan typeDefined contribution

Participants>=10,000

Cohort86 peers

Snapshot2019

Participant deferral / active EE

$12,593

median $5,175

Employer contribution / active EE

$3,136

median $1,819

Participation rate

90.0%

median 78.3%

Avg account balance

$226,787

median $55,498

Admin fee / account holder

$120

median $57

Annual return

24.62%

median 24.90%

Overall peer rank

65of 100

65th percentileavg across 6 metrics

Analytics

2015 - 2024

Total assets (EOY)

Plan-year ending balance

$31.03B

Average account balance

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

$311K

Participants with account balance

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

99,815

Eligible Participants and Participation

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

96.3%

Contributions (total)

Employer and participant dollars contributed each year

$1.17B

Contributions per participant

Average employer and participant contribution per enrolled participant

$20K

Asset flow

BOY + contributions + return - distributions = EOY

Year

Annual return

Diverging bars; negative years highlighted

+21.28%

Admin fee / account holder

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

$107

Asset composition

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

Mutual / pooled
Stocks
Bonds
Cash
Real estate
Loans

Service providers

Top 4 by compensation

Provider	Service type	Compensation
FIDELITY INVESTMENTS INSTITUTIONAL5+ years Service code 37 · EIN 04-2647786	Loan Processing	$2,998,202
MERCER4 years Filed as: MERCER INVESTMENT CONSULTING Service code 27 · EIN 61-0736136	Advisory (Plan)	$180,810
CURCIO WEBB2 years Service code 16 · EIN 36-4171366	Consulting	$116,562
SENSIBA SAN FILIPPO LLP5+ years Filed as: SENSIBA SAN FILIPPO Service code 10 · EIN 94-2370906	Accounting	$68,000

Plan features & details

Pension benefit codes2E2F2G2J2K2R2T

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.

Opportunity flags

1 tripped

ComplianceCorrective distributions
Plan reported corrective distributions (failed ADP/ACP testing).

Expense breakdown

Schedule H Part II

Admin total

$9.3M

$189 / participant

Investment mgmt$6M67.2%
Other / not subdivided$3M32.8%

% of EOY assets

0.053%

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: SENSIBA SAN FILIPPO, LLP
Auditor EIN: 942370906
Audit fees: (not subdivided)
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$226,787

$81,961+176.7%

$141,200+60.6%

$89,609+153.1%

Participation rate

90.0%

64.9%+25.1pp

82.5%+7.5pp

69.6%+20.4pp

Annual return

24.62%

36.14%-11.5pp

71.41%-46.8pp

33.65%-9.0pp

Employer contribution / active EE

$3,136

$2,268+38.3%

$4,736-33.8%

$2,584+21.4%

Participant deferral / active EE

$12,593

$5,316+136.9%

$6,710+87.7%

$4,222+198.3%

Admin fee / account holder

$120

$68+76.6%

$10,265-98.8%

$72+67.8%

Provider

Service type

Compensation

FIDELITY INVESTMENTS INSTITUTIONAL5+ years

Service code 37 · EIN 04-2647786

Loan Processing

$2,998,202

MERCER4 years

Filed as: MERCER INVESTMENT CONSULTING

Service code 27 · EIN 61-0736136

Advisory (Plan)

$180,810

CURCIO WEBB2 years

Service code 16 · EIN 36-4171366

Consulting

$116,562

SENSIBA SAN FILIPPO LLP5+ years

Filed as: SENSIBA SAN FILIPPO

Service code 10 · EIN 94-2370906

Accounting

$68,000

ORACLE CORPORATION 401(K) SAVINGS AND INVESTMENT PLAN

Top hat statement on fileNQDC

Plan administrator

Plans declared (7)

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

ORACLE CORPORATION 401(K) SAVINGS AND INVESTMENT PLAN

Top hat statement on fileNQDC

Plan administrator

Plans declared (7)

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