Sewell Village Cadillac Company, Inc 401(k) Review & Grade
Sewell Automotive Companies 401(k) Retirement Savings Plan
Dallas, TXRetail Trade3,774 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,253Employer $ per active participant
$7,078Employee $ saved per active participant
0.02%Direct admin cost, % of plan assets
$370.6MNet plan assets, end of year
$80,477Average balance per account
Score breakdown
- Employer generosity37.4 / 5075th percentile for employer $ per participant
- Low cost23.9 / 2596th percentile for low admin cost vs. same-size plans
- Employee saving14.3 / 1596th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score79 / 100 · Grade A
This plan vs. peers
Peers: Retail Trade plans with 2,500–9,999 active participants (183 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 75th |
| Lower admin cost | 96th |
| Employee saving | 96th |
| Peers that auto-enroll | 42% |
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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
- Sewell Village Cadillac Company put in about $1,253 per active participant, more than the typical peer ($650). 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 | $4,730,390 |
| Participant (employee) contributions | $26,712,634 |
| Other contributions (incl. rollovers in) | $650,600 |
| Administrative expenses paid from the plan | $54,816 |
| Contract administrator fees | $54,816 |
| Benefits paid out | $24,556,232 |
| Net assets, start / end of year | $314.5M / $370.6M |
| Active participants, start / end of year | 3,727 / 3,821 |
| Participants with account balances | 4,605 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Forvis Mazars, LLP |
Largest service providers (Schedule C)
| Vanguard Group, Inc. | $54,816 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250923112513NAL0005640833001, received 2025-09-23, EIN 75-0715412, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.