Express Credit Auto 401(k) match, vesting and fees
What Express Credit Auto's 401(k) plan says about matching contributions
Plan features
Match, vesting and enrollment details have not been published from this plan's audit report yet. The figures below come from the structured filing.
| Recordkeeper | Ascensus LLC | Schedule C ↗ |
| Independent auditor | Eide Bailly (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | 401(k) · Active | Form 5500 ↗ |
How the plan compares
Plan year 2025 medians for 1,080 defined-contribution plans in retail trade with 100 to 499 participants.
| Express Credit Auto: employer contribution per participant | $2,071 | |
| Peer median | $1,247 |
| Express Credit Auto: average balance | $79,684 | |
| Peer median | $56,979 |
| Express Credit Auto: admin expenses ÷ assets | 0.64% | |
| Peer median | 0.43% |
Admin expenses are the plan's reported administrative expenses divided by its assets; they do not include fund expense ratios.
Plan history
Plan assets went from $7.4M at the end of plan year 2021 to $11.7M at the end of plan year 2025.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2025 | 217 | $11.7M | $304K | $2,071 | 0.64% | Not published | Form 5500 ↗ |
| 2024 | 188 | $9.7M | $274K | $2,122 | 0.69% | Not published | Form 5500 ↗ |
| 2023 | 184 | $7.9M | $265K | $2,151 | 0.68% | Not published | Form 5500 ↗ |
| 2022 | 168 | $6.2M | $252K | $2,036 | 0.66% | Not published | Form 5500 ↗ |
| 2021 | 167 | $7.4M | $258K | $1,986 | 0.69% | Not published | Form 5500 ↗ |
Common questions
Does Express Credit Auto match 401(k) contributions?
The match terms for the Express Credit Auto Savings Incentive Plan have not been published from its filing yet. The plan year 2025 filing reports $304K in employer contributions, about $2,071 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the Express Credit Auto 401(k) match vested?
The vesting schedule for the Express Credit Auto Savings Incentive Plan is not in the data published so far. Your Summary Plan Description states it.
Who manages the Express Credit Auto 401(k)?
The recordkeeper listed on Schedule C of the plan year 2025 filing is Ascensus LLC. The plan administrator is Express Credit Auto, Llc..
I left Express Credit Auto. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (Express Credit Auto, Llc., (405) 772-7736) or the recordkeeper, Ascensus LLC. The Express Credit Auto old 401(k) page lists the contacts from every plan filing. Find an old Express Credit Auto 401(k)
Data from the public Form 5500 annual reports Express Credit Auto filed with the U.S. Department of Labor (plan years 2021 and 2022 and 2023 and 2024 and 2025) and, where noted, the attached independent auditor's report. Plan terms may have changed since the filing; check your current Summary Plan Description. PlanFacts is not affiliated with Express Credit Auto. Not financial advice. Report a correction · Methodology