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Original filing (PDF)20251015134902NAL0009912370001
AARON'S, LLC
Form 5500
FILING_RECEIVED
AARON'S 401(K) RETIREMENT PLAN
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
7,969
Accounts w/ balance
3,137
Plan assets (EOY)
$186.0M
Net assets (EOY)
$186.0M
How this plan invests
This plan
28 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
84
/ 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
100
Concentration risk
100
Total plan cost
65
Vendor stack
80
Participation health
65
Knocking points off
- 17 bps in Schedule C fees — 71% above peer band of 10 bps.
- No recordkeeper disclosed on Schedule C.
- Only 39% 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 AARON'S, LLC.
Plan sponsor
Name
AARON'S, LLC
EIN
58-0687630
Address
400 GALLERIA PARKWAY SE · SUITE 300 · ATLANTA, GA · 30339
Phone
(678) 402-3000
Industry
Retail Tradesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
002
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-15
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
3H · Sponsor in controlled / affiliated group
2T · Default investment account (QDIA)
Audit & trust (Schedule H)
Auditor
BAKER TILLY US, LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsOther
3| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MILLIMAN, INC. | 91-0675641 | — | NONE | $274K | — |
| CHARLES SCHWAB TRUST BANK | 82-3967259 | — | NONE | $44K | — |
| CHARLES SCHWAB & CO., INC. | 94-1737782 | — | NONE | $0 | — |
Investments
28 direct securities· $186.0M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard 500 INDEX F | — | — | — | $22.4M | 12.0% | |
| American Funds AMERICAN CENTURY ULTRA FD CL R6 | — | — | — | $16.1M | 8.6% | |
| JPMorgan EQUITY INCOMER6 | — | — | — | $12.5M | 6.7% | |
| Vanguard SMALL-CAP INDEX INSTL | — | — | — | $11.4M | 6.1% | |
| Vanguard TARGET RETIREMENT 2040 FD I | — | — | — | $11.4M | 6.1% | |
| Vanguard TARGET RETIREMENT 2030 FD I | — | — | — | $11.0M | 5.9% | |
| Vanguard DEVELOPED MKTS INDEX ADM | — | — | — | $9.1M | 4.9% | |
| Vanguard TOTAL BOND MKT INDEX ADM | — | — | — | $8.3M | 4.5% | |
| Vanguard TARGET RETIREMENT 2035 FD I | — | — | — | $8.0M | 4.3% | |
| Schwab Bank Saving MONEY MARKET DEPOSIT ACCOUNT | — | — | — | $7.7M | 4.1% | |
| MassMutual SLCT MID CAP GRWTH FD I | — | — | — | $7.4M | 4.0% | |
| Vanguard TARGET RETIREMENT 2050 FD I | — | — | — | $6.9M | 3.7% | |
| Notes receivable Notes receivable with variable maturities and interest rates * Participants ranging from 4.25% - 9.50% on all outstanding notes. - | — | — | — | $6.5M | 3.5% | |
| Vanguard TARGET RETIREMENT 2045 FD I | — | — | — | $6.1M | 3.3% | |
| Registered investment companies Allspring Emerging ALLSPRING SPECIAL MID CAP VAL FD R6 | — | — | — | $6.0M | 3.2% | |
| Vanguard TARGET RETIREMENT 2025 FD I | — | — | — | $5.9M | 3.2% | |
| Vanguard TARGET RETIREMENT INCM INV | — | — | — | $5.7M | 3.1% | |
| Vanguard MID CAP INDEX FUND ADMIRAL | — | — | — | $5.5M | 2.9% | |
| Vanguard TARGET RETIREMENT 2055 INV | — | — | — | $3.2M | 1.7% | |
| Fidelity SMALL CAP GROWTH FUND | — | — | — | $2.4M | 1.3% | |
| JPMorgan EMRG MKTS EQTY CL R6 | — | — | — | $2.4M | 1.3% | |
| Vanguard TARGET RETIREMENT 2060 INV | — | — | — | $2.2M | 1.2% | |
| Federated Hermes FEDERATED INSTL HIGH YIELD BND INSTL | — | — | — | $1.8M | 1.0% | |
| Vanguard TARGET RETIREMENT 2020 FD I | — | — | — | $1.4M | 0.8% | |
| Vanguard INTL GROWTH ADMIRAL CLASS | — | — | — | $1.4M | 0.7% | |
| PIMCO INTL BOND US DOLLAR HEDGE INST | — | — | — | $1.3M | 0.7% | |
| Tweedy, Browne TWEEDY BROWNE INTL VALUE FUND | — | — | — | $1.2M | 0.6% | |
| American Funds AMERICAN BEACON SMALL CAP VALUE R5 | — | — | — | $1.0M | 0.6% |
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