Auction.com, LLC 401(k) Review & Grade
Auction.com 401(k) Plan
Irvine, CAReal Estate & Rental584 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,752Employer $ per active participant
$7,415Employee $ saved per active participant
0.08%Direct admin cost, % of plan assets
$76.7MNet plan assets, end of year
$74,001Average balance per account
Score breakdown
- Employer generosity32.1 / 5064th percentile for employer $ per participant
- Low cost19.7 / 2579th percentile for low admin cost vs. same-size plans
- Employee saving12.9 / 1586th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score75 / 100 · Grade A
This plan vs. peers
Peers: Real Estate & Rental plans with 500–2,499 active participants (291 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 64th |
| Lower admin cost | 79th |
| Employee saving | 86th |
| Peers that auto-enroll | 47% |
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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
- Auction.com put in about $1,752 per active participant, more than the typical peer ($1,279). 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.
- 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 | $1,024,060 |
| Participant (employee) contributions | $4,334,314 |
| Other contributions (incl. rollovers in) | $437,351 |
| Administrative expenses paid from the plan | $58,908 |
| Contract administrator fees | $300 |
| Investment advisory & management fees | $13,785 |
| Benefits paid out | $9,030,750 |
| Net assets, start / end of year | $69.7M / $76.7M |
| Active participants, start / end of year | 620 / 549 |
| Participants with account balances | 1,036 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Dbbmckennon |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $45,123 reported compensation |
| Strategic Advisors, Inc. | $13,785 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014190900NAL0007208754001, received 2025-10-14, EIN 26-3654828, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.