Future Ford, Inc. 401(k) Review & Grade
Future Automotive Group 401(k) Plan
Roseville, CARetail Trade1,044 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$379Employer $ per active participant
$4,199Employee $ saved per active participant
0.29%Direct admin cost, % of plan assets
$48.7MNet plan assets, end of year
$73,825Average balance per account
Score breakdown
- Employer generosity14.4 / 5029th percentile for employer $ per participant
- Low cost10.3 / 2541th percentile for low admin cost vs. same-size plans
- Employee saving10.4 / 1569th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score35 / 100 · Grade D
This plan vs. peers
Peers: Retail Trade plans with 500–2,499 active participants (719 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 29th |
| Lower admin cost | 41th |
| Employee saving | 69th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Corrective distributions: the plan refunded $411,700 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Future Ford put in about $379 per active participant, below the typical peer ($743). 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.
- 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 | $395,418 |
| Participant (employee) contributions | $4,385,637 |
| Other contributions (incl. rollovers in) | $425,593 |
| Administrative expenses paid from the plan | $130,711 |
| Investment advisory & management fees | $65,639 |
| Benefits paid out | $2,158,700 |
| Net assets, start / end of year | $40.4M / $48.7M |
| Active participants, start / end of year | 909 / 1,180 |
| Participants with account balances | 660 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Pomares&company,llc |
Largest service providers (Schedule C)
| Allworth Financial | $55,629 reported compensation |
| Fidelity Investments Institutional | $46,526 reported compensation |
| Pomares & Co. | $18,546 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251003131129NAL0002342720001, received 2025-10-03, EIN 94-2729275, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.