Hahn Automotive Warehouse, Inc. 401(k) Review & Grade
Hahn Automotive 401(k) Plan
Rochester, NYWholesale Trade818 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$269Employer $ per active participant
$2,015Employee $ saved per active participant
0.21%Direct admin cost, % of plan assets
$29.4MNet plan assets, end of year
$42,526Average balance per account
Score breakdown
- Employer generosity2.2 / 504th percentile for employer $ per participant
- Low cost13.1 / 2552th percentile for low admin cost vs. same-size plans
- Employee saving1.9 / 1512th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score14 / 100 · Grade F
This plan vs. peers
Peers: Wholesale Trade plans with 500–2,499 active participants (603 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 4th |
| Lower admin cost | 52th |
| Employee saving | 12th |
| Peers that auto-enroll | 53% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($54,014 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Corrective distributions: the plan refunded $5,362 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Hahn Automotive Warehouse put in about $269 per active participant, below the typical peer ($1,792). 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.
- 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.
- The plan reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- 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 | $220,173 |
| Participant (employee) contributions | $1,648,369 |
| Other contributions (incl. rollovers in) | $71,117 |
| Administrative expenses paid from the plan | $58,762 |
| Contract administrator fees | $13,484 |
| Investment advisory & management fees | $29,982 |
| Benefits paid out | $1,313,589 |
| Net assets, start / end of year | $26.2M / $29.4M |
| Active participants, start / end of year | 834 / 802 |
| Participants with account balances | 691 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Insero & Co. Cpas, LLP |
Largest service providers (Schedule C)
| Morgan Stanley Global | $30,000 reported compensation |
| Insero & Co.,cpas LLP | $15,300 reported compensation |
| Principal Life Insurance Company | $13,484 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260715134935NAL0003926448001, received 2026-07-15, EIN 16-0467030, plan #001, plan year 2024-10-01 to 2025-09-30. Verify at efast.dol.gov.