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Original filing (PDF)20251015050837NAL0001993699001
CARGURUS, INC.
Form 5500
FILING_RECEIVED
CARGURUS, INC. 401(K) PROFIT SHARING PLAN
401(k) retirement plan
Active participants
1,053
Accounts w/ balance
1,400
Plan assets (EOY)
$138.4M
Net assets (EOY)
$138.4M
How this plan invests
This plan
36 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
100
/ 100
Grade A
Top-tier plan health
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
100
Concentration risk
100
Total plan cost
100
Vendor stack
100
Participation health
100
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for CARGURUS, INC..
Plan sponsor
Name
CARGURUS, INC.
EIN
04-3843478
Address
2 CANAL PARK · 4TH FLOOR · CAMBRIDGE, MA · 02141
Phone
(617) 354-0068
Industry
Information / Tech / Mediasee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
001
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-15
Pension benefit codes
3H · Sponsor in controlled / affiliated group
2S · Automatic enrollment
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
MATTHEW J BERNIER, CPA, LLC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| FIDELITY INVESTMENTS INSTITUTIONAL | 04-2647786 | — | RECORDKEEPER | $155K | — |
Accountant / Auditor
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MATTHEW J. BERNIER CPA LLC | 82-4748087 | — | ACCOUNTANT/AUDITOR | $8K | — |
Investments
36 direct securities· $138.9M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard Target Retirement 2055 Inv Mutual Fund | — | — | — | $28.1M | 20.3% | |
| Vanguard Target Retirement 2050 Inv Mutual Fund | — | — | — | $21.7M | 15.7% | |
| Fidelity 500 Index Mutual Fund | — | — | — | $20.9M | 15.1% | |
| Vanguard Target Retirement 2060 Inv Mutual Fund | — | — | — | $17.4M | 12.5% | |
| Vanguard Target Retirement 2045 Inv Mutual Fund | — | — | — | $11.6M | 8.4% | |
| Vanguard Target Retirement 2040 Inv Mutual Fund | — | — | — | $5.4M | 3.9% | |
| Alliance Bernstein Large Cap Growth Mutual Fund | — | — | — | $4.6M | 3.3% | |
| Vanguard Target Retirement 2030 Inv Mutual Fund | — | — | — | $3.6M | 2.6% | |
| Vanguard Target Retirement 2035 Inv Mutual Fund | — | — | — | $3.3M | 2.4% | |
| Fidelity International Index Mutual Fund | — | — | — | $2.4M | 1.7% | |
| Fidelity Mid-Cap Index Mutual Fund | — | — | — | $2.2M | 1.6% | |
| Vanguard Small Cap Index Adm Mutual Fund | — | — | — | $2.0M | 1.4% | |
| Vanguard Target Retirement 2025 Inv Mutual Fund | — | — | — | $1.6M | 1.2% | |
| Vanguard Equity Income Adm Mutual Fund | — | — | — | $1.2M | 0.9% | |
| Receivables * Notes Receivable from Participants 3.25% - 8.50% | — | — | — | $1.2M | 0.8% | |
| Vanguard Mid-Cap Growth Index Adm Mutual Fund | — | — | — | $1.1M | 0.8% | |
| Fidelity U.S. Bond Index Mutual Fund | — | — | — | $1.0M | 0.7% | |
| Fidelity Govt Money Market Mutual Fund | — | — | — | $974K | 0.7% | |
| Vanguard Emerging Mkt Stk Index Adm Mutual Fund | — | — | — | $880K | 0.6% | |
| Vanguard Health Care Index Adm Mutual Fund | — | — | — | $816K | 0.6% | |
| Calvert U.S. Large Cap Core Responsible Index Mutual Fund | — | — | — | $772K | 0.6% | |
| Vanguard Consumer Discretion Idx Adm Mutual Fund | — | — | — | $727K | 0.5% | |
| Vanguard Mid-Cap Value Index Adm Mutual Fund | — | — | — | $682K | 0.5% | |
| Vanguard Small-Cap Value Index Adm Mutual Fund | — | — | — | $656K | 0.5% | |
| Vanguard Consumer Staples Index Adm Mutual Fund | — | — | — | $610K | 0.4% | |
| Vanguard Small-Cap Growth Index Adm Mutual Fund | — | — | — | $592K | 0.4% | |
| Pimco Income Inst Mutual Fund | — | — | — | $584K | 0.4% | |
| Party Investments Cost Current Value Participant-Directed Investments, at Fair Value Vanguard Real Estate Index Adm Mutual Fund | — | — | — | $563K | 0.4% | |
| Vanguard Energy Index Adm Mutual Fund | — | — | — | $507K | 0.4% | |
| Participant Contributions | — | — | — | $331K | 0.2% | |
| Vanguard Communication Services Index Adm Mutual Fund | — | — | — | $174K | 0.1% | |
| Vanguard High Yield Corp Adm Mutual Fund | — | — | — | $166K | 0.1% | |
| Vanguard Short-Term Invest Grade Adm Mutual Fund | — | — | — | $163K | 0.1% | |
| Employer Contributions | — | — | — | $130K | <0.1% | |
| Vanguard Target Retirement Inv Mutual Fund | — | — | — | $99K | <0.1% | |
| Vanguard Target Retirement 2020 Inv Mutual Fund | — | — | — | $63K | <0.1% |
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