Pull-A-Part LLC 401(k) Review & Grade
Pull-A-Part, LLC 401k Plan
Atlanta, GARetail Trade749 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$866Employer $ per active participant
$1,630Employee $ saved per active participant
0.05%Direct admin cost, % of plan assets
$18.3MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity27.9 / 5056th percentile for employer $ per participant
- Low cost21.6 / 2587th percentile for low admin cost vs. same-size plans
- Employee saving4.0 / 1527th percentile for employee $ per participant
- Plan features0 / 10No auto-enrollment or default investment reported
Total score54 / 100 · Grade C
This plan vs. peers
Peers: Retail Trade plans with 500–2,499 active participants (719 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 56th |
| Lower admin cost | 87th |
| Employee saving | 27th |
| 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
- Pull-A-Part put in about $866 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 | $648,866 |
| Participant (employee) contributions | $1,220,999 |
| Other contributions (incl. rollovers in) | $73,812 |
| Administrative expenses paid from the plan | $9,439 |
| Contract administrator fees | $4,339 |
| Other admin expenses | $5,100 |
| Benefits paid out | $3,537,167 |
| Net assets, start / end of year | $17.7M / $18.3M |
| Active participants, start / end of year | 739 / 759 |
| Participants with account balances | 290 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Jarrard, Nowell & Russell, LLC |
Largest service providers (Schedule C)
| John Hancock Life Insurance Co. | $38,951 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014110559NAL0002703777001, received 2025-10-14, EIN 58-2554913, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.