JKC Automotive, Inc. 401(k) Review & Grade
Kiefer's 401(k)/profit Sharing Plan
Eugene, ORRetail Trade694 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$627Employer $ per active participant
$4,226Employee $ saved per active participant
0.94%Direct admin cost, % of plan assets
$15.9MNet plan assets, end of year
$19,229Average balance per account
Score breakdown
- Employer generosity22.0 / 5044th percentile for employer $ per participant
- Low cost1.8 / 257th percentile for low admin cost vs. same-size plans
- Employee saving10.4 / 1570th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score44 / 100 · Grade D
This plan vs. peers
Peers: Retail Trade plans with 500–2,499 active participants (719 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 44th |
| Lower admin cost | 7th |
| Employee saving | 70th |
| 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
- JKC Automotive put in about $627 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 (0.94% 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 | $435,019 |
| Participant (employee) contributions | $2,930,398 |
| Other contributions (incl. rollovers in) | $446,733 |
| Administrative expenses paid from the plan | $139,444 |
| Investment advisory & management fees | $5,760 |
| Benefits paid out | $3,380,448 |
| Net assets, start / end of year | $13.8M / $15.9M |
| Active participants, start / end of year | 684 / 703 |
| Participants with account balances | 825 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Rekdal Hopkins Howard PS |
Largest service providers (Schedule C)
| Adp, Inc. | $139,443 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250825050927NAL0015012370001, received 2025-08-25, EIN 93-1153931, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.