Cerence Operating 401(k) match, vesting and fees
What Cerence Operating's 401(k) plan says about matching contributions
Plan features
Match, vesting and enrollment details have not been published from this plan's audit report yet. The figures below come from the structured filing.
| Recordkeeper | Fidelity Investments Institutional | Schedule C ↗ |
| Independent auditor | Caron and Bletzer, PLLC (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | 401(k) · Active | Form 5500 ↗ |
How the plan compares
Plan year 2025 medians for 3,569 defined-contribution plans in professional, scientific, and technical services with 100 to 499 participants.
| Cerence Operating: employer contribution per participant | $2,465 | |
| Peer median | $2,719 |
| Cerence Operating: average balance | $235,152 | |
| Peer median | $85,424 |
| Cerence Operating: admin expenses ÷ assets | <0.01% | |
| Peer median | 0.27% |
Admin expenses are the plan's reported administrative expenses divided by its assets; they do not include fund expense ratios.
Plan history
Plan assets went from $36.7M at the end of plan year 2021 to $40.2M at the end of plan year 2025.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2025 | 184 | $40.2M | $422K | $2,465 | <0.01% | Not published | Form 5500 ↗ |
| 2024 | 182 | $36.9M | $496K | $2,990 | 0.02% | Not published | Form 5500 ↗ |
| 2023 | 193 | $34.8M | $549K | $3,048 | 0.02% | Not published | Form 5500 ↗ |
| 2022 | 210 | $30M | $585K | $3,061 | 0.02% | Not published | Form 5500 ↗ |
| 2021 | 204 | $36.7M | $680K | $3,615 | 0.03% | Not published | Form 5500 ↗ |
Common questions
Does Cerence Operating match 401(k) contributions?
The match terms for the Cerence Retirement Plan have not been published from its filing yet. The plan year 2025 filing reports $422K in employer contributions, about $2,465 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the Cerence Operating 401(k) match vested?
The vesting schedule for the Cerence Retirement Plan is not in the data published so far. Your Summary Plan Description states it.
Who manages the Cerence Operating 401(k)?
The recordkeeper listed on Schedule C of the plan year 2025 filing is Fidelity Investments Institutional. The plan administrator is Cerence Operating Company.
I left Cerence Operating. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (Cerence Operating Company, (857) 239-0034) or the recordkeeper, Fidelity Investments Institutional. The Cerence Operating old 401(k) page lists the contacts from every plan filing. Find an old Cerence Operating 401(k)
Data from the public Form 5500 annual reports Cerence Operating filed with the U.S. Department of Labor (plan years 2021 and 2022 and 2023 and 2024 and 2025) and, where noted, the attached independent auditor's report. Plan terms may have changed since the filing; check your current Summary Plan Description. PlanFacts is not affiliated with Cerence Operating. Not financial advice. Report a correction · Methodology