Back to filter
Original filing (PDF)20250717101312NAL0000147488001
MONRO, INC.
Form 5500
FILING_RECEIVED
MONRO, INC. 401(K) PLAN
401(k) retirement plan
Active participants
8,038
Accounts w/ balance
1,676
Plan assets (EOY)
$77.4M
Net assets (EOY)
$77.4M
How this plan invests
This plan
24 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
90
/ 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
80
Vendor stack
100
Participation health
65
Knocking points off
- 23 bps in Schedule C fees — modestly above peer band of 16 bps.
- Only 21% as many balances as active participants — suggests many active employees aren't deferring.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for MONRO, INC..
Plan sponsor
Name
MONRO, INC.
EIN
16-0838627
Address
295 WOODCLIFF DRIVE SUITE 202 · FAIRPORT, NY · 14450
Phone
(585) 784-3356
Industry
Other Services (ex. Public Admin)see 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
2025-07-17
Pension benefit codes
2A · Age/service weighted or new comparability
2E · Profit-sharing
2F · ERISA section 404(c)
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
FREED MAXICK, P.C.
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
5 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE COMPANY O | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $113K | — |
Advisor / Consultant
3| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ONE DIGITAL TOPCO LLC DBA RESOURCES | — | OVERLAND PARK, KS | CONSULTANT | $30K | — |
| IMMEDIATE MAILING SERVICES | — | LIVERPOOL, NY | CONSULTANT | $8K | — |
| NIXON PEABODY LLP | — | NEW YORK, NY | CONSULTANT | $2K | — |
Accountant / Auditor
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| FREED MAXICK CPAS PC | — | BUFFALO, NY | AUDITOR | $25K | — |
Investments
24 direct securities· $77.1M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Fidelity 500 Index Fund | — | — | — | $10.7M | 13.8% | |
| American Funds 2030 Target Date Retirement Fund | — | — | — | $8.4M | 10.9% | |
| American Funds 2035 Target Date Retirement Fund | — | — | — | $7.5M | 9.7% | |
| Empower Annuity Insurance Company Guaranteed Income Fund | — | — | — | $6.5M | 8.4% | |
| American Funds 2025 Target Date Retirement Fund | — | — | — | $5.4M | 6.9% | |
| American Funds 2045 Target Date Retirement Fund | — | — | — | $5.0M | 6.5% | |
| American Funds 2040 Target Date Retirement Fund | — | — | — | $5.0M | 6.5% | |
| J.P. Morgan Asset Management Large Cap Growth | — | — | — | $4.2M | 5.4% | |
| American Funds 2050 Target Date Retirement Fund | — | — | — | $3.7M | 4.8% | |
| Vanguard Small-Cap Index Fund | — | — | — | $3.0M | 3.9% | |
| J.P. Morgan Asset Management Equity Income Fund | — | — | — | $2.9M | 3.8% | |
| American Funds 2020 Target Date Retirement Fund | — | — | — | $2.3M | 3.0% | |
| American Funds 2055 Target Date Retirement Fund | — | — | — | $2.0M | 2.6% | |
| Baird Asset Management Core Plus Bond Fund | — | — | — | $1.9M | 2.4% | |
| Vanguard International Growth Fund | — | — | — | $1.8M | 2.3% | |
| Monro, Inc. 401(k) Plan Notes Receivable from Participants** | — | — | — | $1.6M | 2.1% | |
| American Funds 2060 Target Date Retirement Fund | — | — | — | $1.2M | 1.6% | |
| Fidelity Mid Cap Index Fund | — | — | — | $987K | 1.3% | |
| Monro, Inc. Monro Stock Fund | — | — | — | $846K | 1.1% | |
| American Funds 2065 Target Date Retirement Fund | — | — | — | $656K | 0.8% | |
| American Funds 2015 Target Date Retirement Fund | — | — | — | $597K | 0.8% | |
| Fidelity International Index Fund | — | — | — | $531K | 0.7% | |
| American Funds New World R6 | — | — | — | $248K | 0.3% | |
| American Funds 2010 Target Date Retirement Fund | — | — | — | $137K | 0.2% |