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Original filing (PDF)20260226112020NAL0007763954001
CARVANA, LLC
Form 5500
FILING_RECEIVED
CARVANA, LLC 401(K) PLAN
401(k) retirement plan
Signals · 1
Late filing · 3.3 mo
Active participants
17,481
Accounts w/ balance
7,824
Plan assets (EOY)
$267.1M
Net assets (EOY)
$267.1M
How this plan invests
This plan
1 pooled trust
Schedule D
28 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
82
/ 100
Grade B
Above-average plan
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
87
Concentration risk
100
Total plan cost
65
Vendor stack
100
Participation health
65
Knocking points off
- Filed 3.3 months past the 10.5-month grace window.
- 19 bps in Schedule C fees — 93% above peer band of 10 bps.
- Only 45% 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 CARVANA, LLC.
Plan sponsor
Name
CARVANA, LLC
EIN
45-4788036
Address
300 E RIO SALADO PKWY · TEMPE, AZ · 85281
Phone
(480) 378-6022
Industry
Retail Tradesee 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
2026-02-26
Pension benefit codes
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2T · Default investment account (QDIA)
3B · Covers self-employed individuals
3H · Sponsor in controlled / affiliated group
2E · Profit-sharing
3D · Pre-approved plan (master / prototype / VS)
2R · Participant-directed brokerage (SDBA)
Audit & trust (Schedule H)
Auditor
GRANT THORNTON.
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
1 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| FIDELITY INVESTMENTS INSTITUTIONAL | 04-2647786 | — | RECORDKEEPER | $517K | — |
Investments
27 direct securities · 1 pooled fund· $267.1M(100% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Click one to drill into its own Schedule of Assets — where the individual funds, shares, and CUSIPs live.
Uncategorized
$265.6M
27 holdings
Common Collective Trust
$1.5M
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard Group, Inc. Vanguard Target Retirement 2050 Fund | — | — | — | $35.7M | 13.4% | |
| Fidelity Management Trust Company Fidelity 500 Index Fund | — | — | — | $32.0M | 12.0% | |
| Vanguard Group, Inc. Vanguard Target Retirement 2055 Fund | — | — | — | $29.1M | 10.9% | |
| Vanguard Group, Inc. Vanguard Target Retirement 2040 Fund | — | — | — | $26.9M | 10.1% | |
| Vanguard Group, Inc. Vanguard Target Retirement 2045 Fund | — | — | — | $25.5M | 9.6% | |
| Vanguard Group, Inc. Vanguard Target Retirement 2035 Fund | — | — | — | $22.9M | 8.6% | |
| Vanguard Group, Inc. Vanguard Target Retirement 2060 Fund | — | — | — | $20.6M | 7.7% | |
| Vanguard Group, Inc. Vanguard Target Retirement 2030 Fund | — | — | — | $19.2M | 7.2% | |
| Vanguard Group, Inc. Vanguard Target Retirement 2025 Fund | — | — | — | $12.8M | 4.8% | |
| Vanguard Group, Inc. Vanguard Target Retirement 2065 Fund | — | — | — | $5.3M | 2.0% | |
| Participant loans Participant loans with maturity dates through December 2034 and interest rates ranging from 4.25% to 10.50% | — | — | — | $5.0M | 1.9% | |
| Fidelity Management Trust Company Fidelity Extended Market Index Fund | — | — | — | $4.5M | 1.7% | |
| J.P. Morgan Asset Management JPMorgan U.S. Large Cap Growth Fund | — | — | — | $4.2M | 1.6% | |
| Dimensional Fund Advisors DFA U.S. Small Cap Portfolio Institutional Class Fund | — | — | — | $3.8M | 1.4% | |
| Fidelity Management Trust Company Brokerage Link | — | — | — | $3.0M | 1.1% | |
| Vanguard Group, Inc. Vanguard Target Retirement 2020 Fund | — | — | — | $2.6M | 1.0% | |
| Dimensional Fund Advisors DFA U.S. Large Cap Value Portfolio Institutional Class Fund | — | — | — | $2.6M | 1.0% | |
| Fidelity Management Trust Company Fidelity International Index Fund | — | — | — | $1.9M | 0.7% | |
| Vanguard Group, Inc. Vanguard Cash Reserves Federal Money Market Fund Admiral | — | — | — | $1.7M | 0.6% | |
| Vanguard Group, Inc. Vanguard Target Retirement Income Fund | — | — | — | $1.7M | 0.6% | |
| MORLEY STABLE VALUE PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 93-6274329 / PN 001 | Common Collective Trust | — | — | $1.5M | 0.6% | |
| Dimensional Fund Advisors DFA Emerging Markets Core Portfolio Institutional Class Fund | — | — | — | $1.0M | 0.4% | |
| Fidelity Management Trust Company Fidelity U.S. Bond Index Fund | — | — | — | $944K | 0.4% | |
| American Funds American Funds EuroPacific Growth Fund Class R-6 | — | — | — | $786K | 0.3% | |
| Fund PIMCO Income Fund Institutional Class | — | — | — | $639K | 0.2% | |
| Vanguard Group, Inc. Vanguard Inflation-Protected Securities Fund Admiral Shares | — | — | — | $570K | 0.2% | |
| Dodge & Cox Dodge & Cox Income Fund | — | — | — | $517K | 0.2% | |
| Dimensional Fund Advisors DFA International Small Company Portfolio Institutional Class | — | — | — | $372K | 0.1% |
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