Auto dealers 401(k) plans
The median 401(k) plan at auto dealers paid $146.54 per participant per year in plan-paid administrative fees, computed from 1,478 of the 1,543 auto dealers plans published here, form year 2024.
Computed from DOL EFAST2 Form 5500 bulk data, not surveys. The 57,824 plans published so far are a subset of the 57,824 large plans in the form-year-2024 data, so this median describes the published subset, not the whole industry.
$146.54
Median plan-paid administrative cost per participant per year among 1,478 auto dealers plans with usable fee data, form year 2024.
$24.37 above the $122.17 median across all published plans.
How do auto dealers 401(k) fees compare?
Plan size drives fees more than industry does: bigger plans pay less per head. See median fees by plan size before reading an industry gap as an industry effect.
23 of the biggest auto dealers 401(k) plans
| Plan | Sponsor | Active participants | Assets | Fee ($) |
|---|---|---|---|---|
| AutoZone, Inc. 401(k) Plan | AutoZone, Inc. | 99,222 | $1.1B | 38.76 |
| O'Reilly Automotive, Inc. Profit Sharing And Savings Plan | O'Reilly Automotive, Inc. | 80,513 | $1.9B | 35.91 |
| Advance Auto Parts, Inc. 401(k) Plan | Advance Stores Company, Inc. | 65,131 | $1.1B | 21.97 |
| CarMax, Inc. Retirement Savings Plan | CarMax, Inc. | 29,008 | $1.8B | 30.24 |
| AutoNation 401(k) Plan | AutoNation, Inc. | 25,202 | $1.1B | 62.12 |
| Lithia Motors, Inc. 401(k) Plan | Lithia Motors, Inc. | 23,444 | $1.0B | 56.62 |
| Amsi 401(k) Plan | Amsi | 17,534 | $379.5M | 59.27 |
| Carvana, LLC 401(k) Plan | Carvana, LLC | 17,481 | $267.1M | 33.29 |
| Discount Tire/America's Tire Retirement Plan | The Reinalt-Thomas Corporation | 15,665 | $1.4B | 55.66 |
| Asbury Automotive Retirement Savings Plan | Asbury Automotive Group LLC | 15,375 | $741.2M | n/a |
| Lkq Corporation Employees' Retirement Plan | Lkq Corporation | 15,267 | $727.8M | 32.79 |
| Penske Automotive Group 401(k) Savings And Retirement Plan | Penske Automotive Group, Inc. | 13,542 | $1.1B | 40.19 |
| Group 1 Automotive, Inc. 401(k) Savings Plan | Group 1 Automotive, Inc. | 13,527 | $539.6M | 57.30 |
| Freedomrewards 401(k) Plan | Cwgs Group, LLC | 12,773 | $341.7M | 67.65 |
| Mavis Tire Supply LLC 401(k) Plan | Mavis Tire Supply LLC | 10,033 | $202.0M | 63.11 |
| Hendrick Automotive Group 401(k) Plan | Hendrick Automotive Group, LLC | 9,556 | $756.6M | 71.76 |
| The Pep Boys 401(k) Plan | The Pep Boys - Manny, Moe & Jack LLC | 8,541 | $205.2M | 39.44 |
| Sonic Automotive, Inc. 401(k) Plan | Sonic Automotive, Inc. | 8,427 | $548.3M | 42.27 |
| Lcm Investments Holdings II, LLC 401(k) Plan | Lcm Investments Holdings II, LLC | 6,775 | $118.5M | 159.35 |
| Driven Brands, Inc. Employee Retirement Savings Plan | Driven Brands Inc. | 6,716 | $79.9M | 33.33 |
| Holman Enterprises Supplemental Retirement And Savings Plan | Holman Automotive Group, Inc. | 6,451 | $688.8M | 101.75 |
| Garff Companies 401(k) Retirement Savings Plan | Garff Enterprises, Inc. | 5,686 | $213.3M | 83.70 |
| Drivetime 401(k) Plan | Drivetime Automotive Group Inc. | 5,541 | $161.5M | 54.80 |
All 1,543 auto dealers plans on file are listed below by size, and every one of them is searchable from the home page.
Every Auto dealers plan, by size
The table above is the top of the list. These 9 pages hold all 1,543 plans on file in auto dealers, split by how many people are in them, each ranked by active participants.
- 100 to 499 participants · 1,038 plans
- 500 to 999 participants · 291 plans
- 1,000 to 4,999 participants · 185 plans
- 5,000 or more participants · 29 plans
Which auto dealers companies disclose their 401(k) match?
None of the companies with extracted 11-K match terms sponsors a published plan in this industry yet. 11-K filings only exist when the plan offers employer stock, so coverage is uneven by design. All extracted companies are at /companies/.
Which employers count as auto dealers here?
Motor vehicle and parts dealers (codes 441110 to 441399), split out of retail because dealership plans dominate the published subset and price very differently.
The code is the IRS principal business activity code the sponsor itself puts on Form 5500, line 2d. Medians count only plans whose Schedule H shows a positive plan-paid administrative expense (1,478 of 1,543 plans here). Plan-paid expenses exclude fund expense ratios and employer-paid bills, so every figure is a floor, not the all-in cost. Latest filing in this group received by the DOL July 15, 2026; source dataset last refreshed July 28, 2026. Full methodology
Cite this page
401(k) Monitor, “Auto dealers 401(k) plans: median plan-paid administrative cost per participant”, computed from DOL EFAST2 Form 5500 bulk data, form year 2024.