Department of Labor filing

DESCARTES SYSTEMS USA LLC

DESCARTES SYSTEMS GROUP EMPLOYEE RETIREMENT PLAN · For the plan year ended Dec 31, 2024

Public filing 2024 · received Oct 15, 2025Verified current terms Not available

Plan at a glance

How good does the filing look?

17filing comparison
out of 100

The filing trails many comparable plans on reported employer support and/or plan-paid administrative costs. This is a filing comparison, not a complete benefits score.

$Employer support

$1,178

Reported employer contributions per active participant.

Higher than about 19% of comparable plans

#People in the filing

659

Active participants reported for 2024.

The filing does not say how many employees are currently contributing.

¢Visible plan-paid fees

$225 / participant

Reported administrative expense—not every fee an employee may pay.

Lower cost than about 12% of comparable plans

↗Investment performance

Not available

Plan assets changed 33.1%, but that includes contributions, withdrawals, and market movement.

Asset change is not investment performance.

What we still need to judge the benefit

Current match formula, vesting, eligibility, investment choices, fund expense ratios, and employee-level fees.

See missing terms ↓

Filing comparison · 202417out of 100 among similar-size plans in the same industry when enough peers exist

How this filing compares

Reported employer contributions19th percentileTypical peer $3,106 · based on 1,380 comparable plans

Lower reported administrative expense12th percentileTypical peer $113 · based on 1,398 comparable plans

This comparison uses historical filing figures. It does not compare current match formulas, vesting, investments, or employee fees.

The short version

What the latest filing tells us

For the plan year ended Dec 31, 2024, DESCARTES SYSTEMS USA LLC reported $776,108 in employer contributions across the plan and 659 active participants. That works out to $1,178 per active participant. It is useful context, but it is not the current match formula and it does not show what any one employee received.

Participation proxy88%

Active participants divided by all end-of-year plan participants. This is not the company participation rate because the filing does not report every eligible employee.

Employer money trendUp 17.7%

Change in reported employer contribution per active participant across the filing history shown.

Expense trendDown 21.2%

Change in reported administrative expense per participant. Investment expenses may not be included.

Peer context17/100

A filing comparison among similar-size plans in the same industry when enough peers exist.

Where the public filing stops

Current match, vesting, eligibility, employee fees, and investment choices require a dated plan document. Until we have one, those details stay blank.

Latest financial record

Contributions, assets, and expenses

These figures are reported totals for the plan—not individual account balances or promises to any employee.

Employer contributions: $776,108
Participant contributions: $5,414,571
Other contributions: $5,562,502
Employer share of reported contributions: 12.5%
Beginning assets: $62,570,619
Ending assets: $83,261,256
Ending net assets: $83,261,256
Ending liabilities: $0
Total income: $22,129,582
Total expenses: $4,334,031
Administrative expenses: $168,316
Participant loans: $559,258

Three-year filing history

How the reported figures changed

Each chart uses its own scale and starts at zero. When the filing has no value, the chart says so rather than turning it into a zero.

Employer contributions reported per active participant

2022

$1,001

2023

$1,090

2024

$1,178

Plan-paid administrative expenses per participant

2022

$286

2023

$235

2024

$225

Active participants

2022

584

2023

591

2024

659

Detailed filing history
Plan year	Per active participant	Active participants	Plan assets	Filing ID
2024	$1,178	659	83.3M	20251015094435NAL0005845488001
2023	$1,090	591	62.6M	20251001090033NAL0017607523001
2022	$1,001	584	51.6M	20231016125513NAL0024822307001

Changes in plan assets are not the same as investment performance. Each row uses the selected public filing for that year.

Plan operations

Details worth knowing

Participant loans as a share of plan assets: 0.7%
Independent accountant’s opinion: Unqualified opinion Code 1
Late participant contributions reported: Yes
Public plan identifier: 680679777-001

Reported plan details

Identity and filing status

Plan type: Retirement plan
Employer arrangement: Single-employer plan
Plan effective date: Dec 1, 1986
Industry: Professional, scientific, and technical services
Amended filing: No
Final filing for this plan: No
Short plan year: No
401(k) feature reported: Yes
Show DOL characteristic codes
2E2G2J2K2F2T3D3H

Reported service providers

Organizations named in the latest filing

The public dataset does not always identify a provider’s exact role. Compensation stays blank when it was not separately reported.

Provider	Plan year	Direct compensation	Indirect compensation
VOYA RETIREMENT INSURANCE & ANNUITY	2024	Not reported	unknown

Current plan terms

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Filing ACK_ID20251015094435NAL0005845488001

Data sourceDOL Form 5500 bulk data ↗

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