Cardtronics USA, Inc. 401(k) Review & Grade
NCR Atleos Savings Plan
Atlanta, GAProfessional, Scientific & Technical Services3,302 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$3,825Employer $ per active participant
$8,558Employee $ saved per active participant
0.06%Direct admin cost, % of plan assets
$416.9MNet plan assets, end of year
$137,559Average balance per account
Score breakdown
- Employer generosity32.0 / 5064th percentile for employer $ per participant
- Low cost18.4 / 2574th percentile for low admin cost vs. same-size plans
- Employee saving6.8 / 1545th percentile for employee $ per participant
- Plan features0 / 10No auto-enrollment or default investment reported
Total score57 / 100 · Grade C
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 2,500–9,999 active participants (231 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 64th |
| Lower admin cost | 74th |
| Employee saving | 45th |
| Peers that auto-enroll | 47% |
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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
- Cardtronics USA put in about $3,825 per active participant, more than the typical peer ($2,951). 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 | $12,631,857 |
| Participant (employee) contributions | $28,261,494 |
| Other contributions (incl. rollovers in) | $4,030,321 |
| Administrative expenses paid from the plan | $248,460 |
| Investment advisory & management fees | $93,301 |
| Benefits paid out | $38,742,813 |
| Net assets, start / end of year | $0 / $416.9M |
| Active participants, start / end of year | 3,655 / 2,950 |
| Participants with account balances | 3,031 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Carr, Riggs & Ingram, L.L.C. |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $155,159 reported compensation |
| Strategic Advisors, Inc. | $69,359 reported compensation |
| Onedigital Topco LLC | $25,000 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014161947NAL0006776562001, received 2025-10-14, EIN 76-0419117, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.