Ecs Tuning, LLC 401(k) Review & Grade
Enthusiast Auto Holdings Retirement Plan
Wadsworth, OHRetail Trade600 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,542Employer $ per active participant
$2,533Employee $ saved per active participant
0.19%Direct admin cost, % of plan assets
$16.8MNet plan assets, end of year
$30,849Average balance per account
Score breakdown
- Employer generosity38.2 / 5076th percentile for employer $ per participant
- Low cost13.9 / 2556th percentile for low admin cost vs. same-size plans
- Employee saving6.3 / 1542th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score61 / 100 · Grade B
This plan vs. peers
Peers: Retail Trade plans with 500–2,499 active participants (719 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 76th |
| Lower admin cost | 56th |
| Employee saving | 42th |
| Peers that auto-enroll | 48% |
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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
- Ecs Tuning put in about $1,542 per active participant, more than the typical peer ($743). Contribute at least enough to collect the full match. Skipping it leaves part of your pay on the table.
- 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.
- Fund expense ratios aren't in the filing. Look them up in your 404(a)(5) fee disclosure and favor low-cost index or target-date funds.
- 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 | $925,190 |
| Participant (employee) contributions | $1,519,558 |
| Other contributions (incl. rollovers in) | $782,093 |
| Administrative expenses paid from the plan | $28,596 |
| Investment advisory & management fees | $28,596 |
| Benefits paid out | $1,452,764 |
| Net assets, start / end of year | $13.0M / $16.8M |
| Active participants, start / end of year | 602 / 598 |
| Participants with account balances | 543 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Plante & Moran PLLC |
Largest service providers (Schedule C)
| Usi Consulting Group Inc | $12,883 reported compensation |
| Voya Retirement Advisors, LLC | $6,450 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015081747NAL0004326721001, received 2025-10-15, EIN 47-1395397, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.