HD Supply 401(k) Review & Grade
HD Supply 401(k) Retirement Plan
Atlanta, GAWholesale Trade11,962 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,868Employer $ per active participant
$4,715Employee $ saved per active participant
0.14%Direct admin cost, % of plan assets
$556.3MNet plan assets, end of year
$42,437Average balance per account
Score breakdown
- Employer generosity19.1 / 5038th percentile for employer $ per participant
- Low cost7.4 / 2529th percentile for low admin cost vs. same-size plans
- Employee saving6.6 / 1544th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score43 / 100 · Grade D
This plan vs. peers
Peers: Wholesale Trade plans with 10,000+ active participants (35 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 38th |
| Lower admin cost | 29th |
| Employee saving | 44th |
| Peers that auto-enroll | 63% |
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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
- HD Supply put in about $1,868 per active participant, below the typical peer ($2,420). 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 (0.14% of assets) are well above similar-size plans (0.09%). 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 | $22,344,149 |
| Participant (employee) contributions | $56,399,958 |
| Other contributions (incl. rollovers in) | – |
| Administrative expenses paid from the plan | $736,657 |
| Contract administrator fees | $642,692 |
| Benefits paid out | $54,901,949 |
| Net assets, start / end of year | $473.4M / $556.3M |
| Active participants, start / end of year | 11,753 / 12,171 |
| Participants with account balances | 13,109 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Bennett Thrasher LLP |
Largest service providers (Schedule C)
| Alight Solutions LLC | $642,692 reported compensation |
| The Northern Trust Company | $91,120 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250930093217NAL0011492737001, received 2025-09-30, EIN 75-2007383, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.