7-Eleven, Inc. 401(k) Review & Grade
7-Eleven, Inc. 401(k) Plan
Irving, TXRetail Trade64,013 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$486Employer $ per active participant
$993Employee $ saved per active participant
0.17%Direct admin cost, % of plan assets
$1.0BNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity17.1 / 5034th percentile for employer $ per participant
- Low cost5.8 / 2523th percentile for low admin cost vs. same-size plans
- Employee saving3.9 / 1526th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score30 / 100 · Grade D
This plan vs. peers
Peers: Retail Trade plans with 10,000+ active participants (124 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 34th |
| Lower admin cost | 23th |
| Employee saving | 26th |
| Peers that auto-enroll | 32% |
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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
- 7-Eleven put in about $486 per active participant, below the typical peer ($689). 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.
- Direct plan expenses (0.17% of assets) are well above similar-size plans (0.09%). 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 | $31,094,813 |
| Participant (employee) contributions | $63,590,533 |
| Other contributions (incl. rollovers in) | $10,875,781 |
| Administrative expenses paid from the plan | $1,743,748 |
| Benefits paid out | $143,106,972 |
| Net assets, start / end of year | $977.2M / $1.0B |
| Active participants, start / end of year | 61,061 / 66,965 |
| Participants with account balances | 17,868 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Crowe |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $1,119,475 reported compensation |
| Willis Towers Watson US LLC | $250,950 reported compensation |
| Fiducient Advisors LLC | $222,386 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251010151244NAL0007924417001, received 2025-10-10, EIN 75-1085131, plan #101, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.