Demontrond Automotive Group, Inc. 401(k) Review & Grade
Demontrond Automotive Group, Inc. 401(k) Profit
Houston, TXRetail Trade794 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$353Employer $ per active participant
$2,893Employee $ saved per active participant
0.64%Direct admin cost, % of plan assets
$21.4MNet plan assets, end of year
$26,277Average balance per account
Score breakdown
- Employer generosity13.5 / 5027th percentile for employer $ per participant
- Low cost3.9 / 2515th percentile for low admin cost vs. same-size plans
- Employee saving7.2 / 1548th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score35 / 100 · Grade D
This plan vs. peers
Peers: Retail Trade plans with 500–2,499 active participants (719 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 27th |
| Lower admin cost | 15th |
| Employee saving | 48th |
| Peers that auto-enroll | 48% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
Red flags from the filing
No red flags were reported on this filing's compliance questions.
What to do if you're in this plan
- Demontrond Automotive Group put in about $353 per active participant, below the typical peer ($743). Any match is still an instant return, so contribute enough to get all of it.
- The filing shows total dollars, not the match formula. Ask HR for the Summary Plan Description so you know the exact match and vesting schedule.
- Direct plan expenses (0.64% of assets) are well above similar-size plans (0.23%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- The plan auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- Changing jobs? You can usually leave the money in the plan, move it to your new employer's plan, or roll it into an IRA. Don't cash out: you'd owe taxes and possibly a 10% penalty.
The raw numbers from the filing
| Employer contributions | $280,061 |
| Participant (employee) contributions | $2,295,885 |
| Other contributions (incl. rollovers in) | $4,065 |
| Administrative expenses paid from the plan | $134,258 |
| Contract administrator fees | $110,748 |
| Investment advisory & management fees | $18,210 |
| Other admin expenses | $5,300 |
| Benefits paid out | $3,912,706 |
| Net assets, start / end of year | $20.4M / $21.4M |
| Active participants, start / end of year | 761 / 826 |
| Participants with account balances | 814 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Cliftonlarsonallen LLP |
Largest service providers (Schedule C)
| Voya Retirement Insurance & Annuity | $121,033 reported compensation |
| Global Retirement Partners LLC | $32,636 reported compensation |
| Voya Retirement Advisors, LLC | $13,225 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251008151734NAL0005751233001, received 2025-10-08, EIN 74-1180066, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.