Bruckner Truck Sales, Inc. 401(k) Review & Grade
Bruckner Truck Sales, Inc. Employee Profit Sharing Plan
Amarillo, TXRetail Trade1,544 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,157Employer $ per active participant
$4,581Employee $ saved per active participant
0.17%Direct admin cost, % of plan assets
$122.5MNet plan assets, end of year
$72,557Average balance per account
Score breakdown
- Employer generosity33.8 / 5068th percentile for employer $ per participant
- Low cost15.0 / 2560th percentile for low admin cost vs. same-size plans
- Employee saving11.3 / 1575th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score63 / 100 · Grade B
This plan vs. peers
Peers: Retail Trade plans with 500–2,499 active participants (719 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 68th |
| Lower admin cost | 60th |
| Employee saving | 75th |
| 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
- Bruckner Truck Sales put in about $1,157 per active participant, more than the typical peer ($743). 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 | $1,786,006 |
| Participant (employee) contributions | $7,072,920 |
| Other contributions (incl. rollovers in) | $1,210,765 |
| Administrative expenses paid from the plan | $195,492 |
| Contract administrator fees | $195,492 |
| Benefits paid out | $12,633,488 |
| Net assets, start / end of year | $112.9M / $122.5M |
| Active participants, start / end of year | 1,451 / 1,637 |
| Participants with account balances | 1,688 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Cliftonlarsonallen LLP |
Largest service providers (Schedule C)
| MML Investors Services, LLC | $178,149 reported compensation |
| Transition Finance Strategies, LLC | $153,922 reported compensation |
| Principal Life Insurance Company | $130,384 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260325152019NAL0006265216001, received 2026-03-25, EIN 75-0972825, plan #001, plan year 2024-07-01 to 2025-06-30. Verify at efast.dol.gov.