The Reinalt-Thomas Corporation 401(k) Review & Grade
Discount Tire/america's Tire Retirement Plan
Scottsdale, AZRetail Trade14,894 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$3,633Employer $ per active participant
$4,463Employee $ saved per active participant
0.08%Direct admin cost, % of plan assets
$1.4BNet plan assets, end of year
$76,117Average balance per account
Score breakdown
- Employer generosity48.4 / 5097th percentile for employer $ per participant
- Low cost13.8 / 2555th percentile for low admin cost vs. same-size plans
- Employee saving14.1 / 1594th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score86 / 100 · Grade A
This plan vs. peers
Peers: Retail Trade plans with 10,000+ active participants (124 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 97th |
| Lower admin cost | 55th |
| Employee saving | 94th |
| 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
- Reinalt-Thomas put in about $3,633 per active participant, more than the typical peer ($689). 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.
- 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 | $54,115,880 |
| Participant (employee) contributions | $66,475,578 |
| Other contributions (incl. rollovers in) | $2,800,749 |
| Administrative expenses paid from the plan | $996,106 |
| Investment advisory & management fees | $60,000 |
| Other admin expenses | $3,300 |
| Benefits paid out | $91,694,595 |
| Net assets, start / end of year | $1.2B / $1.4B |
| Active participants, start / end of year | 14,124 / 15,665 |
| Participants with account balances | 18,290 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Baker Tilly US, LLP |
Largest service providers (Schedule C)
| Empower Annuity Ins Co of America | $918,036 reported compensation |
| Morgan Stanley | $60,000 reported compensation |
| Fennemore Craig | $14,770 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251002093043NAL0000200515001, received 2025-10-02, EIN 38-1889682, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.