Plan Ledger DOL Form 5500 · updated monthly

Penske Automotive Group, Inc.401(k)

PENSKE AUTOMOTIVE GROUP 401(K) SAVINGS AND RETIREMENT PLAN · BLOOMFIELD HILLS, MI · plan year 2025

Reported admin expense ratio · 2025
0.06%

Peer grade: C · admin costs + employer contributions vs same-size plans · how grading works

Penske Automotive Group, Inc. reported $731,517 in plan administrative expenses for 2025: 0.06% of average plan assets, above the peer median. Employer contributions averaged $2,199 per active participant. This ratio covers administrative expenses reported on the plan's Schedule H only; fund-level expense ratios are not included in public structured data — see methodology.

Across the 3 years on file its reported administrative ratio fell from 0.08% to 0.06%. The plan sits in the over $1B size bracket, benchmarked here against 141 comparable plans and shown alongside other retail trade employers. By assets it is the 31st-largest of 2,619 plans among Michigan employers on file, and the 48th of 5,215 in retail trade. In 2025, employees put in $2.60 for every $1.00 the employer contributed.

Plan summary
Net assets, end of year$1,245,096,869
Participants with balances15,632
Active participants13,303
Employer contributions$29,254,664
Employee contributions$76,143,106
Employer contribution per active participant$2,199
Average account balance$79,651
Benefits paid to participants$96,058,628
Plan auditUnmodified (clean) audit opinion
Plan history4
Yearassets · accounts · employer contribution
2025$1.2B · 15,632 accts · $29.3M emplr
2024$1.1B · 15,921 accts · $22.7M emplr
2023$933.1M · 15,501 accts · $22.5M emplr
2022$776.6M · 15,577 accts · $27.7M emplr
Administrative expenses, itemized · 2025
Recordkeeping & contract admin$587,352
Investment management$144,165
Total administrative$731,517
The Penske Automotive Group, Inc. 401(k) match · 2025
Employer contribution per active participant$2,199
Median for plans this size$5,084
2025$2,199 per active participant
2024$1,674 per active participant
2023$1,731 per active participant
2022$2,093 per active participant

Penske Automotive Group, Inc.'s 2025 employer contribution ran below the $5,084 median for plans its size, in the bottom quarter of its peers. Filings report dollars actually contributed, not the match formula; the formula itself (for example, 50% of the first 6% of pay) lives in the plan's summary plan description from HR.

What these fees cost you

Annual cost at the plan's reported 2025 administrative ratio, against the median plan its size; fund expense ratios are extra. Compare any plan.

Service providers · 20252
PRINCIPAL LIFE INSURANCE COMPANY · Contract administrator · Loan processing$588,886
EDELMAN FINANCIAL ENGINES, LLC · Investment advisory (participants)$136,947

Compensation shown is direct payments from plan assets reported on Schedule C. Providers paid through fund revenue-sharing appear as indirect.

Administrative cost history4
2025$731,517 · 0.06%
2024$656,983 · 0.07%
2023$642,844 · 0.08%
2022$681,549 · 0.08%
Same employer
Similar plansRetail Trade · Michigan
Meijer, Inc. MI$1.6B
Victory Automotive Group MI$110.9M · 0.70%

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Source: U.S. Department of Labor, Form 5500 series, EIN 223086739 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.