H&h Automotive LLC 401(k) Review & Grade
H&h Automotive Profit Sharing Plan
Omaha, NERetail Trade514 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$848Employer $ per active participant
$4,382Employee $ saved per active participant
0.38%Direct admin cost, % of plan assets
$21.1MNet plan assets, end of year
$55,056Average balance per account
Score breakdown
- Employer generosity27.6 / 5055th percentile for employer $ per participant
- Low cost8.2 / 2533th percentile for low admin cost vs. same-size plans
- Employee saving10.8 / 1572th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score40 / 100 · Grade D
This plan vs. peers
Peers: Retail Trade plans with 500–2,499 active participants (719 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 55th |
| Lower admin cost | 33th |
| Employee saving | 72th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($143,755 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
What to do if you're in this plan
- H&h Automotive put in about $848 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 (0.38% 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.
- The plan reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- 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 | $436,076 |
| Participant (employee) contributions | $2,252,208 |
| Other contributions (incl. rollovers in) | $232,153 |
| Administrative expenses paid from the plan | $74,255 |
| Contract administrator fees | $74,255 |
| Benefits paid out | $2,881,484 |
| Net assets, start / end of year | $18.5M / $21.1M |
| Active participants, start / end of year | 536 / 492 |
| Participants with account balances | 383 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Bergan KDV, LLC |
Largest service providers (Schedule C)
| Commonwealth Equity Services | $44,489 reported compensation |
| Benefit Plans Inc | $16,682 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250731175354NAL0011155490001, received 2025-07-31, EIN 26-1424298, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.