Department of Labor filing
Spot something wrong?PENSKE-BUICK-GMC TRUCKS, INC.
PENSKE-BUICK-GMC TRUCKS, INC. 401(K) PLAN · For the plan year ended Dec 31, 2025
Public filing 2025 · received Jul 21, 2026Verified current terms Not available
Plan summary
What matters most
This plan has a documented employer contribution and vesting that still needs verification. Reported employer contributions rank below most comparable plans.
54Fair plan health
high confidence
high confidence
See what drives the plan health score
Published only when at least four measures and half of the model weight are available. Missing information is excluded rather than scored as zero.
after-tax contributions can be withdrawn any time prior to an in-plan Roth conversion with up to two withdrawals allowed in a 12-month period.
The official filing does not support a reliable dollar example.
d Employer Match Contributions (as defined below), as adjusted by the net investment return on the participant’s holdings.
n the ESOP Portion are voted proportionally to all other participant directions received.
or she is deemed to have elected to invest in an age-appropriate State Street Global Advisors target retirement lending fund (“Default Investment”). In addition to any pre-tax or Roth contributions, the Plan allows participants to make voluntary after-tax contributions and in-plan Roth conversions, allowing participants to convert voluntary after-tax contributions and earnings to a Roth account. Participants may contribute up to 100 % of eligible pay, and in conjunction with the Plan restatement on October 1, 2025, discussed above, the percentage that HCEs may contribute was increased from 9 % to 10 % of eligible pay subject to the annual additions limitation under Section 415(c) of the IRC ($70,000 for 2025). These voluntary after-tax contributions can be withdrawn any time prior to an i
Up 0.0% over the filing history shown.
Participation up 0.0% · assets up 0.0% · loans 0.5% of assets
How the score works →What still needs verification
vesting, investment choices, eligibility. These items stay out of the summary until a dated source confirms them.
What this tells you: company-wide scale, reported employer support, participation activity, visible administrative cost, and historical direction.
Keep in mind: public filings do not show employee investment returns. Scores use only available measures; missing information lowers confidence, never the score. Current match, vesting, eligibility, investments, and employee-paid fees still require a current plan document.
Filing comparison · 202527out of 100 among similar-size plans in the same industry when enough peers exist
How this filing compares
Reported employer contributions22nd percentileTypical peer $1,264 · based on 14,027 comparable plans
Lower reported administrative expense38th percentileTypical peer $81 · based on 13,315 comparable plans
This comparison uses historical filing figures. It does not compare current match formulas, vesting, investments, or employee fees.
Peer-group method: industry size. The comparison used the most specific peer group with enough valid filings.
The short version
What employees should know
For the year ended Dec 31, 2025, PENSKE-BUICK-GMC TRUCKS, INC. reported $16,039 in employer contributions across this plan, or $391 per active participant. This is the best company-wide filing average available—not a promise of what any one employee receives.
Up 0.0% across the filing years shown. The filing does not report every employee who was eligible.
Change in employer contributions per active participant.
Change in reported administrative cost per participant. Fund expenses may be separate.
Compared with similarly sized plans in the same industry.
What this public record cannot answer
For the current match, vesting rules, eligibility, employee fees, and investment choices, we need a recent plan document. We leave those details blank until we have one.
Money and scale
Contributions, assets, and expenses
These are plan-wide totals. They are not individual account balances.
- Employer contributions
- $16,039 $391 per active participant
- Participant contributions
- $110,660
- Other contributions
- $98,244 Amounts not classified as employer or participant contributions
- Employer share of contributions
- 7.1%
- Active participants
- 41 Small plan
- Total participants
- 45 47 at the beginning of the year
- Ending assets
- $2,874,546 $63,879 per participant
- Net-asset change
- Up 0.0% Not the same as investment performance
- Beginning net assets
- $2,368,003
- Ending net assets
- $2,874,546
- Beginning liabilities
- $0
- Ending liabilities
- $0
- Total income
- $524,869
- Total expenses
- $18,326
- Administrative expenses
- $7,459 $166 per active participant
- Participant loans
- $14,790 0.5% of plan assets
Three-year filing history
How the reported figures changed
Each chart uses the selected public filing for that year. Missing values remain blank rather than becoming zero.
2025
$391
2025
$166
2025
41
2025
$2,874,546
2025
0.5%
| Plan year | Employer money per active participant | Active participants | Plan assets |
|---|---|---|---|
| 2025 | $391 | 41 | 2.9M |
Changes in plan assets are not the same as investment performance.
Plan health
Operational signals worth checking
- Participant loans as a share of plan assets
- 0.5%
- Independent accountant’s opinion
- Not stated in the filing
- Late participant contributions reported
- Not reportedA “yes” needs context and is not, by itself, proof of wrongdoing.
- Loan defaults reported
- Not reported
- Lease defaults reported
- Not reportedOnly a small number of filings report these events.
- Nonexempt transactions reported
- Not reported
- Public plan identifier
- 202341414-002
Reported plan details
Identity and filing status
- Plan type
- Retirement plan
- Employer arrangement
- 1
- Plan effective date
- Jan 1, 1985
- Industry
- Retail trade
- Amended filing
- No
- Final filing for this plan
- No
- Short plan year
- No
- 401(k) feature reported
- Yes
Show DOL characteristic codes
2E2F2G2J2K2T3B3D
Company filings
What the company has told the SEC about this plan
We found these passages in official company filings. They may help explain the plan, but we do not treat them as current benefits until the wording and date have been checked.
11-K · report period Dec 31, 2025PENSKE AUTOMOTIVE GROUP, INC. — 11-K filed 2026-06-17 ↗
Official filing · details not yet checkedWhat it says about employer contributions
after-tax contributions can be withdrawn any time prior to an in-plan Roth conversion with up to two withdrawals allowed in a 12-month period. The Plan Sponsor funds discretionary matching contributions at a level of 62.5 % of the first 4 % of eligible salary deferrals for most participants and at a level of 50 % of the first 6 % of eligible salary deferrals for participants of PTG (“Employer Match Contributions”). Eligible salary deferrals used to determine discretionary matching contributions may not exceed IRC 401(a)(17) limitations ($350,000 in 2025). Employer Match Contributions are invested based on participant investment elections or in the Default Investment if the participant did not make an election. There were no rollover contributions by employees hired as a result of acquisiti
What it says about automatic enrollment
n the ESOP Portion are voted proportionally to all other participant directions received. 4 Table of Contents (e) Contributions Under the provisions of the Plan, new employees are automatically enrolled in the Plan at a deferral rate of 2 % of eligible employee compensation. Participants may elect to defer, through payroll deductions, a portion of their compensation to the Plan in an amount generally from 1 % to 75 % of compensation. Participants may adjust their deferral percentage at any time. Highly compensated employees (“HCEs”) are limited to deferring up to 10 % of compensation. The Plan provides for both pre-tax contributions and after-tax (Roth) contributions. Such contributions may not exceed Internal Revenue Code (“IRC”) 402(g) limitations ($23,500 in 2025). The Plan also permits
What it says about fees
d Employer Match Contributions (as defined below), as adjusted by the net investment return on the participant’s holdings. Participant accounts are also charged with recordkeeping administrative fees. Cash dividends on shares of Company common stock allocated to participants' Plan accounts under the ESOP portion of the Plan (the "ESOP Portion") are passed through to such participants. Participants provide voting directions with respect to the investment funds in which their Plan accounts are invested including, without limitation, voting directions with respect to shares of Company common stock allocated to their Plan accounts under the Plan's ESOP Portion. Non-directed shares of Company common stock in the ESOP Portion are voted proportionally to all other participant directions received.
Current plan terms
Help fill the gap the filing leaves.
If you have a current SPD, fee disclosure, or enrollment guide, you can share it with us. We check the source and date before adding anything to the profile.
Filing evidence
Open the selected public records
We use the latest valid received filing for each year after resolving amendments and duplicate records. Open the source to check the original filing.
Filing ACK_ID20260721185724NAL0016974914001
Data sourceDOL Form 5500 bulk data ↗
Filing searchEFAST2 ↗