Ezcorp, Inc. 401(k) Review & Grade
Ezcorp, Inc. 401(k) Plan and Trust
Rollingwood, TXRetail Trade3,208 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$404Employer $ per active participant
$2,046Employee $ saved per active participant
0.60%Direct admin cost, % of plan assets
$52.4MNet plan assets, end of year
$12,626Average balance per account
Score breakdown
- Employer generosity15.4 / 5031th percentile for employer $ per participant
- Low cost2.4 / 2510th percentile for low admin cost vs. same-size plans
- Employee saving7.7 / 1552th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score33 / 100 · Grade D
This plan vs. peers
Peers: Retail Trade plans with 2,500–9,999 active participants (183 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 31th |
| Lower admin cost | 10th |
| Employee saving | 52th |
| Peers that auto-enroll | 42% |
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
Corrective distributions: the plan refunded $38,076 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Ezcorp put in about $404 per active participant, below the typical peer ($650). 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 (0.60% of assets) are well above similar-size plans (0.12%). 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 | $1,296,385 |
| Participant (employee) contributions | $6,565,578 |
| Other contributions (incl. rollovers in) | $306,897 |
| Administrative expenses paid from the plan | $294,502 |
| Contract administrator fees | $46,166 |
| Investment advisory & management fees | $70,559 |
| Other admin expenses | $825 |
| Benefits paid out | $7,424,004 |
| Net assets, start / end of year | $46.3M / $52.4M |
| Active participants, start / end of year | 3,051 / 3,366 |
| Participants with account balances | 4,147 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Armanino LLP |
| Employer stock held by plan | $800,236 |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company | $223,118 reported compensation |
| Ubs Financial Services Inc | $70,559 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015190504NAL0005439857001, received 2025-10-15, EIN 74-2540145, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.