Car Trawler 401(k) Plan
New York, New York
Car Trawler 401K plan details: employer match info, participant login access, withdrawal options, and full plan review. 2026 data with contacts, details...
Plan Analysis
Car Trawler, in the Furniture Stores sector and headquartered in New York, manages a 401(k) program with $204K in total plan assets across 4 active participants, established 14 years ago. The plan saw strong asset growth of 27.1% year-over-year, significantly outpacing the typical 401(k) plan. The average participant balance of $51K is near the national median, typical for a large-employer plan. The employer contributed an average of $6,330 per active participant, equivalent to 26% of the 2026 employee deferral limit. Participants contributed an average of $2,516 each through employee deferrals.
How Car Trawler Compares
Comparison against 284 employer 401(k) plans in our database
| Metric | Car Trawler | Database Median | Comparison |
|---|---|---|---|
| Avg. Balance per Participant | $51K | $140K | ▼ 64% below median |
| Employer Contribution per Participant | $6K | $3K | ▲ 83% above median |
| YoY Asset Growth | 27.1% | 12.9% | ▲ Above median |
Contact Information
Filing Information
EIN: 48-1304650
Plan Effective Date: 2010-01-01
Source: DOL Form 5500 (Latest Filings)
2026 Contribution Limits for Car Trawler 401(k)
| Category | Limit | Details |
|---|---|---|
| Employee Deferral | $24,500 | Standard elective deferral limit for all participants |
| Catch-Up (Age 50+) | +$8,000 | Additional contributions for participants age 50 and over (total: $32,500) |
| Super Catch-Up (Age 60-63) | +$11,250 | SECURE 2.0 enhanced catch-up for ages 60-63 (total: $35,750) |
| Total Annual Additions (415 Limit) | $72,000 | Maximum combined employee + employer contributions |
| Compensation Cap | $350,000 | Maximum compensation considered for contributions |
| Car Trawler Avg. Employee Deferral | $2,516 | 10% of the $24,500 limit (based on latest Form 5500 filing) |
| Car Trawler Avg. Employer Contribution | $6,330 | Employer contributes $25K total across 4 participants |
Car Trawler 401(k) Plan Details
Data from DOL Form 5500 (Latest Filings)
| Plan Name | Active Participants | Total Assets | Employer Contributions | Participant Contributions | 401(k) |
|---|---|---|---|---|---|
| CAR TRAWLER 401(K) PLAN | 4 | $204K | $25K | $10K | Yes |
Plan Type Details
Primary Plan: CAR TRAWLER 401(K) PLAN
Plan Types: DC (401(k)); DC (Money Purchase); DC (Target Benefit); DC (Other); Offset; DC (SIMPLE 401(k)); Custodial 403(b)(7)
Funded By:
Financial Summary
| Metric | Amount |
|---|---|
| Total Assets (Beginning of Year) | $160,604 |
| Total Assets (End of Year) | $204,154 |
| Employer Contributions | $25,320 |
| Participant Contributions | $10,062 |
| Total Distributions | $0 |
| Total Income (Gains/Losses) | $53,449 |
| Total Expenses | $9,899 |
| Outstanding Participant Loans | $0 |
Participant Breakdown
Plan Review & Rating
Based on 309 plan data ratings and analysis
Ratings are based on publicly available plan data, participant feedback, and industry benchmarks. Individual experience may vary. This is not financial advice. Data sourced from DOL Form 5500 filings.
People Also Ask About Car Trawler 401(k)
The Car Trawler 401(k) match competitiveness depends on the formula and vesting schedule. Based on the plan's 252% employer-to-employee contribution ratio ($6,330 per participant), Car Trawler's match appears above average compared to the typical 3-6% employer match. Compare it with industry averages where the typical employer match is between 3-6% of salary. Review the specific match percentage and vesting timeline with your HR department.
Vesting schedules determine when employer match contributions fully belong to you. Common schedules include immediate vesting, 3-year cliff vesting, or 6-year graded vesting. At Car Trawler, with $25K in annual employer contributions across the plan, understanding your vesting timeline is critical before considering a job change. Contact Car Trawler HR for the exact vesting schedule.
Withdrawals from your Car Trawler 401(k) are generally available after age 59½, upon separation from service, disability, or financial hardship. The plan processed $0 in distributions during the last filing year. Early withdrawals before age 59½ may be subject to a 10% penalty plus income taxes. The Rule of 55 allows penalty-free withdrawals if you leave Car Trawler at age 55 or older.
Yes, you can roll over your Car Trawler 401(k) to a Traditional IRA (for pre-tax funds) or Roth IRA (for Roth 401(k) funds). With an average balance of $51K per participant, a direct rollover avoids the mandatory 20% withholding that applies to indirect rollovers. Contact your plan administrator or the receiving IRA custodian to initiate the transfer.
Many Fortune 500 companies, including Car Trawler, have auto-enrollment features. With 4 active participants and $10K in annual employee deferrals, the plan demonstrates strong participation. Auto-enrollment typically starts at 3-6% of salary with annual escalation. You can opt out or change your contribution rate at any time through the plan provider portal.
Frequently Asked Questions
Car Trawler offers an employer match through their 401(k) plan. Based on the filing data, Car Trawler contributed $25K in employer contributions against $10K in participant deferrals — a 252% employer-to-employee ratio, suggesting a generous match formula. The exact match formula may vary by plan and employment status. Contact Car Trawler HR or your plan administrator for the specific match formula applicable to your situation.
You can access your Car Trawler 401(k) account through the plan provider's participant portal. The plan serves 4 active participants. If you're a current or former employee, use the login link above or contact the plan administrator at the phone number listed on this page. First-time users will need to register using their Social Security number and date of birth.
For 2026, Car Trawler 401(k) participants can contribute up to $24,500 in employee deferrals. Participants aged 50+ can contribute an additional $8,000 in catch-up contributions (total $32,500). Those aged 60-63 can make super catch-up contributions of $11,250 (total $35,750). Currently, Car Trawler participants contribute an average of $2,516 per year in employee deferrals. Employer contributions are separate from these limits.
Many Car Trawler 401(k) plans offer loan provisions. The IRS limits 401(k) loans to the lesser of $50,000 or 50% of your vested balance. With an average account balance of $51K in the Car Trawler plan, the maximum potential loan amount for a fully vested participant would vary accordingly. Check with your plan administrator for specific loan terms.
When you leave Car Trawler, you have several options for your 401(k): keep it in the plan (if the balance is over $7,000), roll it over to a new employer's plan, roll it to an IRA, or take a cash distribution (subject to taxes and potential penalties). Employer match contributions may be subject to a vesting schedule.
According to the most recent Form 5500 filing, the Car Trawler 401(k) plan has 4 active participants managing $204K in plan assets. The average account balance is $51K per participant, and the plan was originally established on N/A.
Many major employers, including Car Trawler, offer both traditional pre-tax and Roth after-tax 401(k) contribution options. Given that Car Trawler participants average $2,516 in annual deferrals, choosing between Roth and traditional depends on whether you expect your tax bracket to be higher or lower in retirement. Contact the Car Trawler plan administrator for availability.
The Car Trawler 401(k) plan typically offers a range of investment options including target-date funds, index funds, actively managed funds, and potentially company stock. The plan generated $53K in total investment income during the last filing year. Log into your account to see current investment options and performance.
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Disclaimer: Information on this page is sourced from public DOL Form 5500 filings and is provided for educational purposes only. This is not financial, tax, or investment advice. Plan details may have changed since the last filing. Always consult your plan administrator, HR department, or a qualified financial advisor for the most current information about your 401(k) plan. 401K.is is not affiliated with Car Trawler or their plan providers.
Last updated: February 2026 | Data source: DOL Form 5500 (Latest Filings) | Filed: 2025-09-18