CONSTELLATION HEALTH SERVICES NJ, LLC
CONSTELLATION HEALTH SERVICES NJ, LLC 401(K) PLAN · For the plan year ended Dec 31, 2025
Plan summary
What matters most
This plan has a documented employer contribution and immediate vesting. Reported employer contributions are around the middle of comparable plans.
high confidence
4 of 7 fields
See what drives the plan health score
Published only when at least four measures and half of the model weight are available. Missing information is excluded rather than scored as zero.
mployer of the Company and are automatically enrolled in the Plan as soon as administratively feasible after their hire date.
The official filing does not support a reliable dollar example.
ve the right to individually select the percentage of their accounts to be invested among different classifications of investments made available to them.
Participant accounts can bear applicable administrative and investment expenses.
Participants can direct contributions among the plan's selected investments.
Most U.S.-based Constellation employees are eligible, except collectively bargained groups whose agreements do not provide participation.
New employees who make no election within 90 days of receiving their notice are enrolled at no less than 5% of pay.
Up 0.0% over the filing history shown.
Participation up 0.0% · assets up 0.0% · loans 0.0% of assets
How the score works →Still to verify: Roth availability. These items stay out of the summary until a dated source confirms them.
What this tells you: company-wide scale, reported employer support, participation activity, visible administrative cost, and historical direction.
Keep in mind: public filings do not show employee investment returns. Scores use only available measures; missing information lowers confidence, never the score. Reviewed current terms appear below.
How this filing compares
This comparison uses historical filing figures. It does not compare current match formulas, vesting, investments, or employee fees.
Peer-group method: industry size. The comparison used the most specific peer group with enough valid filings.
The short version
What employees should know
For the year ended Dec 31, 2025, CONSTELLATION HEALTH SERVICES NJ, LLC reported $9,582 in employer contributions across this plan, or $1,065 per active participant. This is the best company-wide filing average available—not a promise of what any one employee receives.
Up 0.0% across the filing years shown. The filing does not report every employee who was eligible.
Change in employer contributions per active participant.
Change in reported administrative cost per participant. Fund expenses may be separate.
Compared with similarly sized plans in the same industry.
Money and scale
Contributions, assets, and expenses
These are plan-wide totals. They are not individual account balances.
- Employer contributions
- $9,582 $1,065 per active participant
- Participant contributions
- $10,500
- Other contributions
- $0 Amounts not classified as employer or participant contributions
- Employer share of contributions
- 47.7%
- Active participants
- 9 Small plan
- Total participants
- 15 7 at the beginning of the year
- Ending assets
- $37,039 $2,469 per participant
- Net-asset change
- Up 0.0% Not the same as investment performance
- Beginning net assets
- $13,041
- Ending net assets
- $37,039
- Beginning liabilities
- Not reported
- Ending liabilities
- Not reported
- Total income
- $24,161
- Total expenses
- $163
- Administrative expenses
- $159 $11 per active participant
- Participant loans
- $0 0.0% of plan assets
Three-year filing history
How the reported figures changed
Each chart uses the selected public filing for that year. Missing values remain blank rather than becoming zero.
| Plan year | Employer money per active participant | Active participants | Plan assets |
|---|---|---|---|
| 2025 | $1,065 | 9 | 37K |
Changes in plan assets are not the same as investment performance.
Plan health
Operational signals worth checking
- Participant loans as a share of plan assets
- 0.0%
- Independent accountant’s opinion
- Not stated in the filing
- Late participant contributions reported
- Yes · $2,672A “yes” needs context and is not, by itself, proof of wrongdoing.
- Loan defaults reported
- Not reported
- Lease defaults reported
- Not reportedOnly a small number of filings report these events.
- Nonexempt transactions reported
- Not reported
- Public plan identifier
- 880979705-001
Reported plan details
Identity and filing status
- Plan type
- Retirement plan
- Employer arrangement
- 1
- Plan effective date
- Jan 1, 2024
- Industry
- Health care and social assistance
- Amended filing
- No
- Final filing for this plan
- No
- Short plan year
- No
- 401(k) feature reported
- Yes
Show DOL characteristic codes
2A2E2F2G2J2K2S2T3D
Company filings
What the company has told the SEC about this plan
We found these passages in official company filings. They may help explain the plan, but we do not treat them as current benefits until the wording and date have been checked.
What it says about employer contributions
mployer of the Company and are automatically enrolled in the Plan as soon as administratively feasible after their hire date. Participants become eligible for employer safe harbor matching contributions once they are credited with one year of service. Employees whose employment is governed by the terms of a collective bargaining agreement (unless such collective bargaining agreement provides for the inclusion of those employees in the Plan), persons who the Company classifies as leased employees, and certain other classifications of employees are not eligible to participate in the Plan. Contributions Contributions to the Plan include (i) salary deferral contributions authorized by participants, (ii) matching contributions made by the Company, (iii) discretionary contributions made by the C
What it says about vesting
ve the right to individually select the percentage of their accounts to be invested among different classifications of investments made available to them. Vesting Participants are immediately vested in their salary deferral contributions, rollover contributions, and earnings thereon. Employer safe harbor contributions and discretionary contributions, if any, and earnings thereon vest in accordance with the provisions of the Plan as follows: Years of Service Vesting Less than 2 years 0 % 2 or more 100 % Notwithstanding the vesting schedule above, employer contributions, if any, will become fully vested (100%) upon the occurrence of any of the following events while the participant is employed by the Company: the participant’s death, disability, attainment of normal retirement age (age 65),
What it says about automatic enrollment
payroll period. Eligibility In general, eligible employees may make salary deferral contributions to the Plan upon employment with a participating employer of the Company and are automatically enrolled in the Plan as soon as administratively feasible after their hire date. Participants become eligible for employer safe harbor matching contributions once they are credited with one year of service. Employees whose employment is governed by the terms of a collective bargaining agreement (unless such collective bargaining agreement provides for the inclusion of those employees in the Plan), persons who the Company classifies as leased employees, and certain other classifications of employees are not eligible to participate in the Plan. Contributions Contributions to the Plan include (i) salar
What it says about fees
estment income 4,118,527 Interest income on notes receivable from participants 45,739 Dividends 7,151 Total additions 6,448,426 DEDUCTIONS: Benefits paid to participants 2,746,772 Administrative expenses 4,260 Net depreciation in fair value of investments 1,362 Total deductions 2,752,394 INCREASE IN NET ASSETS BEFORE PLAN TRANSFERS 3,696,032 NET TRANSFERS INTO THE PLAN (Note 10) 7,475 INCREASE IN NET ASSETS AVAILABLE FOR BENEFITS 3,703,507 NET ASSETS AVAILABLE FOR BENEFITS: Beginning of year 26,620,354 End of year $ 30,323,861 See Notes to the Financial Statements. 3 Table of Contents UNITEDHEALTH GROUP 401(k) SAVINGS PLAN NOTES TO FINANCIAL STATEMENTS AS OF DECEMBER 31, 2025 AND 2024 AND FOR THE YEAR ENDED DECEMBER 31, 2025 1. DESCRIPTION OF PLAN The following description of the UnitedHea
What it says about employer contributions
le U.S. employees who are not provided retirement benefits through a collective bargaining agreement may make contributions through payroll deductions and to which we make certain matching contributions. Ethics and Compliance All of our employees are subject to Quanta’s Code of Conduct, which addresses compliance with applicable laws and Quanta’s policies concerning, among other things, general business ethics, competition, anti-corruption and bribery, environmental protection, conflicts of interest, harassment and discrimination, data security and privacy, and insider trading. Quanta’s Code of Conduct also informs employees and third parties (such as suppliers, subcontractors and members of the public) about the resources and confidential reporting mechanisms available to detect, prevent
What it says about vesting
law. Quanta may also make discretionary employer contributions to such plan. Matching contributions vest immediately, and discretionary employer contributions may be subject to a vesting schedule determined at the time of the contribution, provided that vesting accelerates upon a change in control or the participant’s death or retirement. All matching and discretionary employer contributions, whether vested or not, are forfeited upon a participant’s termination of employment for cause or upon the participant engaging in competition with Quanta or any of its affiliates. As of December 31, 2025 and 2024, the liability related to deferred cash compensation under these plans, including amounts contributed by Quanta, was $ 126.1 million and $ 110.2 million, the majority of which was included i
What it says about fees
2 20.1 % Gross profit 4,275,081 15.0 3,510,761 14.8 764,320 21.8 % Equity in earnings of integral unconsolidated affiliates 55,635 0.2 50,484 0.2 5,151 10.2 % Selling, general and administrative expenses (2,189,209) (7.7) (1,824,754) (7.7) (364,455) 20.0 % Amortization of intangible assets (498,795) (1.7) (382,959) (1.6) (115,836) 30.2 % Increase in fair value of contingent consideration liabilities (31,203) (0.1) (7,064) — (24,139) 341.7 % Operating income 1,611,509 5.7 1,346,468 5.7 265,041 19.7 % Interest and other financing expenses (261,445) (1.0) (202,687) (0.9) (58,758) 29.0 % Interest income 15,702 0.1 32,404 0.1 (16,702) (51.5) % Other income, net 23,739 0.1 35,845 0.2 (12,106) (33.8) % Income before income taxes 1,389,505 4.9 1,212,030 5.1 177,475 14.6 % Provision for income taxe
What it says about employer contributions
ed for investment gains or losses. Such a withdrawal would be subject to federal income tax but not to any early withdrawal penalty. Additionally, the participant will forfeit any employer matching contributions made with respect to such automatic contributions. In accordance with the Setting Every Community Up for Retirement Enhancement Act of 2019 (the “SECURE Act”) and the SECURE 2.0 Act of 2022 (“SECURE 2.0 Act”), participants will begin receiving benefit payments no later than April 1 of the calendar year following the calendar year in which they attain age 73 (72 if they reached age 72 on or after January 1, 2020 and before January 1, 2023, or 70½ if they reached age 70½ before January 1, 2020). 5 Table of Contents CONSTELLATION EMPLOYEE SAVINGS PLAN NOTES TO FINANCIAL STATEMENTS Par
What it says about automatic enrollment
ollective bargaining agreement that does not provide for participation in the Plan . Newly hired employees that do not elect to participate within 90 days after they receive their automatic enrollment notice are automatically enrolled into the Plan as soon as administratively possible after the 90 th day following receipt of their automatic enrollment notice with a pre-tax deferral no less than 5 % of eligible pay per pay period and 1 % increase each March 1, generally beginning with the second calendar year that begins after automatic enrollment first applies to the participant, until the rate reaches 10 %. Contributions to the Plan made by employees who did not file an investment election generally will be automatically invested in the custom target retirement fund that corresponds to th
What it says about fees
participants 6,047 Net increase in fair value of investments 1,092,752 Total investment income 1,101,383 Total additions 1,455,715 DEDUCTIONS Benefits paid to participants 526,934 Administrative expenses 3,591 Total deductions 530,525 Net increase 925,190 NET ASSETS AVAILABLE FOR BENEFITS Beginning of year $ 5,976,662 End of year $ 6,901,852 (a) Consists only of dividend income from the Constellation Stock Fund. The accompanying Notes are an integral part of these Financial Statements. 4 Table of Contents CONSTELLATION EMPLOYEE SAVINGS PLAN NOTES TO FINANCIAL STATEMENTS 1. Plan Description The following description of the Constellation Employee Savings Plan (the “Plan”) is provided for general information purposes only. Participants should refer to the Plan document for a more complete des
Verified plan terms
What dated primary sources say
These terms come from reviewed official sources. Blank items remain unknown rather than inferred.
- Employer contribution
- Not stated in these sources
- Eligibility
- Most U.S.-based Constellation employees are eligible, except collectively bargained groups whose agreements do not provide participation.
- Vesting
- Not stated in these sources
- Investment information
- Participants can direct contributions among the plan's selected investments. Employees who make no choice default into a custom target-retirement fund aligned with their age.
- Automatic enrollment
- New employees who make no election within 90 days of receiving their notice are enrolled at no less than 5% of pay. The rate generally rises 1 percentage point each March until reaching 10%.
- Roth contributions
- Not stated in these sources
- Participant fees
- Participant accounts can bear applicable administrative and investment expenses. The plan reported $3.6 million in administrative expenses for 2025 but does not state one universal employee fee.
Source: Constellation Employee Savings Plan — 2025 Form 11-K ↗ · dated Dec 31, 2025
Filing evidence
Open the selected public records
We use the latest valid received filing for each year after resolving amendments and duplicate records. Open the source to check the original filing.