Toyota

Pappas Toyota

10011 SPENCER ROAD

ST. PETERS, MO 63376

Latest Filing: 2025Financial Data Through: 2025Source: DOL Form 5500-SF

Plan Data Available

Source-backed retirement-plan information is available to benchmark this dealership.

The leading signal

Pappas Toyota

Top 10%Per-Saver Contribution · Plan Engagement
$7,511/ saver · vs $3,435 national median
96th percentile vs national auto-dealer peers. Sourced from DOL Form 5500.
74 → 73 active savers · Workforce footprint
Employer Contribution / Participant
$1,554
vs $852 National Median
Employer Percentile
74th
Where this sits vs national auto-dealer peers.

Per-saver contribution is above the national median — a sign of an engaged workforce. Employer contribution per participant is at or above the median too, confirming the engagement. A separate workforce-retention watch flags a sustained decline in active savers — engagement strength is not the same as headcount stability.

Secondary context · Employer-contribution standing
Workhorse ↔ Racehorse
Above Median Nationally
74th
percentile
WorkhorseRacehorse
Median

Benchmark Scorecard

Observable, source-backed metrics. No inferred grades or quality scores.

Employer Contribution / Participant
$1,554
vs $852 National Median
Above Median Nationally

The lagging confirmation of plan health. Below median signals under-investment in workforce retention — the dollar has yet to follow the leading active-saver signal.

Participant Contribution / Participant
$7,511
vs $3,435 National Median
Top 10% Nationally

The leading signal of plan engagement. A rising trajectory precedes the lagging employer-contribution dollar; below median can signal gaps in auto-enrollment or plan design.

Plan Assets / Participant
$134,360
vs $48,309 National Median
Top 10% Nationally

How seasoned the workforce is. Below national median can also indicate higher-than-needed employee turnover.

Employer Contributions
$113,409
Latest source filing

Total annual employer contribution from the latest DOL filing.

Plan Assets
$9.8M
Latest source filing

The retirement pool employees are building. Larger pools reflect longer-tenured workforces.

Plan Participants
73
Latest source filing

Active employees covered by the plan — the scope of the dealership's retirement offering.

Local Dealerships with a More Competitive 401(k) Plan

Dealerships in MO contributing more per participant than Pappas Toyota on employer 401(k) contributions — listed below. Names and locations are public; head-to-head comparison unlocks with your free trial.

You out-contribute every dealership we track in MO.

Among the 10 nearest competing dealerships, none match your employer contribution per participant. This is the racehorse end of the field.

Peer Position

Where this dealership ranks on Employer Contribution / Participant across cohorts of similarly comparable dealerships.

National Auto Dealers
74th percentile
4966 valid peers
MO Dealers
71th percentile
115 valid peers
Toyota Dealers
69th percentile
161 valid peers
Similar-Size Dealers
76th percentile
1327 valid peers

How You Compare

A side-by-side read of this dealership’s plan against the national industry average — and the gap you need to close to reach the peer median.

Peer averages from the DOL Form 5500 national dataset, 2025

Employer Contribution / Participant
Annual employer match & profit share per active participant.
Your Plan$1,554
Industry Avg$8524966 peers
Gap vs Avg+$701(+82%)above avg
Percentile74th
Participant Contribution / Participant
Employee deferrals per active participant.
Your Plan$7,511
Industry Avg$3,4355531 peers
Gap vs Avg+$4,077(+119%)above avg
Percentile96th
Plan Assets / Participant
Total plan assets per active participant.
Your Plan$134,360
Industry Avg$48,3095605 peers
Gap vs Avg+$86,051(+178%)above avg
Percentile91th
Admin Cost / Participant
All-in administrative expenses per participant. Lower is better.
Your Plan—
Industry AvgInsufficient peer dataContribute plan data
Gap vs Avg—
Percentile—
Admin Cost (bps of Assets)
Admin expenses as basis points of plan assets. Lower is better.
Your Plan—
Industry AvgInsufficient peer dataContribute plan data
Gap vs Avg—
Percentile—
Fee-to-Outcome Ratio
Employer $ generated per $1 of admin spend. Higher is better.
Your Plan—
Industry AvgInsufficient peer dataContribute plan data
Gap vs Avg—
Percentile—

Engagement Trajectory

Active-saver trajectory is the leading signal; employer contribution is the lagging confirmation. Public filings from 2022 to 2025. Missing years are not interpolated.

202220232025020406080
Active-Saver Trajectory declined -1.4% from 2022 to 2025. This is the leading signal of plan engagement — the lagging employer-contribution dollar tends to follow.
Years available: 2022, 2023, 2025

Reported Plan Data

The public filing record behind every metric on this page — for audit and trust.

Plan SponsorNORTH MOTORS, INC.
Plan NamePAPPAS TOYOTA 401K PLAN
EIN Members430998897
Plan Number002
RecordkeeperNot yet contributed — contribute plan data
Trustee / Custodian—
Custodian Phone—
Recordkeeping Fees—
Latest Filing Year2025
Financial Data Year2025
Participants (active, EOY)73
Plan Assets$9.8M
Employer Contributions$113,409
Participant Contributions$548,338
Total Contributions$661,747
Plan Type401(k) + 401(m)
Source FormDOL Form 5500-SF
Source Filing ID20260518113356NAL0000034211001
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Leadership & Contacts

Who runs Pappas Toyota

Senior executives surfaced from public sources. Verify your access to view names and emails.

M••• P••••
President
K••• A••••
Fixed Operations Director
G••• R••••
General Sales Manager & Finance Director
F••• W••••
Sales Manager
S••• H••••
Finance Manager
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