Seven-Eleven Hawaii, Inc. 401(k) Review & Grade
Seven-Eleven (hawaii), Inc. 401(k) Plan
Honolulu, HIRetail Trade687 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,048Employer $ per active participant
$1,697Employee $ saved per active participant
0.39%Direct admin cost, % of plan assets
$24.2MNet plan assets, end of year
$58,570Average balance per account
Score breakdown
- Employer generosity31.5 / 5063th percentile for employer $ per participant
- Low cost7.8 / 2531th percentile for low admin cost vs. same-size plans
- Employee saving4.2 / 1528th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score47 / 100 · Grade C
This plan vs. peers
Peers: Retail Trade plans with 500–2,499 active participants (719 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 63th |
| Lower admin cost | 31th |
| Employee saving | 28th |
| Peers that auto-enroll | 48% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
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
- Seven-Eleven Hawaii put in about $1,048 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.
- Direct plan expenses (0.39% of assets) are well above similar-size plans (0.23%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- 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 | $720,146 |
| Participant (employee) contributions | $1,165,767 |
| Other contributions (incl. rollovers in) | $24,080 |
| Administrative expenses paid from the plan | $87,210 |
| Investment advisory & management fees | $7,500 |
| Other admin expenses | $79,710 |
| Benefits paid out | $1,044,969 |
| Net assets, start / end of year | $20.5M / $24.2M |
| Active participants, start / end of year | 695 / 679 |
| Participants with account balances | 413 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Accuity LLP |
Largest service providers (Schedule C)
| Alphapoint, Inc. | $7,500 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251002062223NAL0000118609001, received 2025-10-02, EIN 99-0275843, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.