Department of Labor filing

CONSTELLATION HEALTH SERVICES NJ, LLC

CONSTELLATION HEALTH SERVICES NJ, LLC 401(K) PLAN · For the plan year ended Dec 31, 2025

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Public filing 2025 · received Jul 23, 2026Verified current terms Source dated 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.

58Fair plan health
high confidence
57%current benefits covered
4 of 7 fields
See what drives the plan health score
Employer contributions versus peers31/10030% of the full model
Lower reported administrative cost82/10020% of the full model
Active-participant trend50/10010% of the full model
Net-asset trend50/10010% of the full model
Participant-loan burden100/10010% of the full model
Reported compliance signals20/10010% of the full model
Filing completeness100/10010% of the full model

Published only when at least four measures and half of the model weight are available. Missing information is excluded rather than scored as zero.

01 · Employer matchSee verified formula

mployer of the Company and are automatically enrolled in the Plan as soon as administratively feasible after their hire date.

02 · What it could be worthSee formula

The official filing does not support a reliable dollar example.

03 · VestingImmediate

ve the right to individually select the percentage of their accounts to be invested among different classifications of investments made available to them.

04 · Fees and expensesCurrent terms found

Participant accounts can bear applicable administrative and investment expenses.

05 · Investment choicesReviewed lineup details

Participants can direct contributions among the plan's selected investments.

06 · Eligibility and waiting periodMost U.S.-based Constellation employees are eligible, except collectively bargained groups whose agreements do not provide participation.

Most U.S.-based Constellation employees are eligible, except collectively bargained groups whose agreements do not provide participation.

07 · Automatic enrollmentAvailable

New employees who make no election within 90 days of receiving their notice are enrolled at no less than 5% of pay.

09 · Employer contribution vs. peers31th percentile

Up 0.0% over the filing history shown.

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.

Filing comparison · 202546out of 100 among similar-size plans in the same industry when enough peers exist

How this filing compares

Reported employer contributions31st percentileTypical peer $1,906 · based on 56,903 comparable plans
Lower reported administrative expense82nd percentileTypical peer $71 · based on 50,652 comparable plans

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.

People actively participating9

Up 0.0% across the filing years shown. The filing does not report every employee who was eligible.

Employer money over timeUp 0.0%

Change in employer contributions per active participant.

Plan costs over timeUp 0.0%

Change in reported administrative cost per participant. Fund expenses may be separate.

Peer comparison46/100

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.

Employer money per active participant
2025
$1,065
Administrative cost per participant
2025
$11
Active participants
2025
9
Total plan assets
2025
$37,039
Participant loans as a share of assets
2025
0.0%
Detailed filing history
Plan yearEmployer money per active participantActive participantsPlan assets
2025$1,065937K

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 codes2A2E2F2G2J2K2S2T3D

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.

11-K · report period Dec 31, 2025UNITEDHEALTH GROUP INC — 11-K filed 2026-06-11
Official filing · details not yet 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

10-K · report period Dec 31, 2025QUANTA SERVICES, INC. — 10-K filed 2026-02-19
Official filing · details not yet checked
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

11-K · report period Dec 31, 2025Constellation Energy Corp — 11-K filed 2026-06-17
Official filing · details not yet checked
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.

Filing ACK_ID20260723150719NAL0013794689001
Data sourceDOL Form 5500 bulk data ↗
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