O'reilly Automotive, Inc. 401(k) Review & Grade
O'reilly Automotive, Inc. Profit Sharing and Savings Plan
Springfield, MORetail Trade78,526 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$663Employer $ per active participant
$1,711Employee $ saved per active participant
0.18%Direct admin cost, % of plan assets
$1.9BNet plan assets, end of year
$26,452Average balance per account
Score breakdown
- Employer generosity22.4 / 5045th percentile for employer $ per participant
- Low cost5.1 / 2520th percentile for low admin cost vs. same-size plans
- Employee saving8.2 / 1554th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score46 / 100 · Grade C
This plan vs. peers
Peers: Retail Trade plans with 10,000+ active participants (124 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 45th |
| Lower admin cost | 20th |
| Employee saving | 54th |
| 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
- O'reilly Automotive put in about $663 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 (0.18% 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.
- The plan auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- 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 | $52,042,714 |
| Participant (employee) contributions | $134,327,298 |
| Other contributions (incl. rollovers in) | $8,674,566 |
| Administrative expenses paid from the plan | $3,143,166 |
| Contract administrator fees | $2,100 |
| Investment advisory & management fees | $179,488 |
| Other admin expenses | $92,051 |
| Benefits paid out | $208,761,672 |
| Net assets, start / end of year | $1.6B / $1.9B |
| Active participants, start / end of year | 76,538 / 80,513 |
| Participants with account balances | 70,527 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Ernst & Young LLP |
| Employer stock held by plan | $568,915,501 |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $2,871,343 reported compensation |
| Financial Engines | $179,488 reported compensation |
| Capfinancial Partners, LLC | $92,049 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250929142447NAL0010970097001, received 2025-09-29, EIN 27-4358837, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.