Cargurus, Inc. 401(k) Plan: Login, Facts & Contact Information

Cargurus, Inc. 401(k) Plan Facts

Plan name
CARGURUS, INC. 401(K) PROFIT SHARING PLAN
Plan type
401(k) with employer contributions and profit sharing
Plan sponsor
CARGURUS, INC.
Participants
1,389 (1,053 active employees)
Former employees with a balance
369
Plan assets
$138,430,492 at Dec 31, 2024
Average account balance
$98,879 across 1,400 accounts
Employer contributions
$6,094,069 in plan year 2024 (25% of all contributions)
Recordkeeper
Fidelity Investments Institutional
Plan year
Jan 1, 2024 – Dec 31, 2024
Plan established
Jan 1, 2008
✓ Employer contributions✓ Automatic enrollment✓ Default investment for undecided participants✓ Participants choose their own investments— Self-directed brokerage window✓ Profit sharing— Company stock (ESOP)

Source: Form 5500 for plan year 2024 (Jan 1, 2024 – Dec 31, 2024), filed Oct 15, 2025. Public filing with the U.S. Department of Labor.

Money in and out in plan year 2024

  • $24.9 million went into the plan in contributions, $6.09 million of it from the employer (25%).
  • $9.91 million was paid out to participants.
  • Investment and other income added $17.3 million.
  • Administrative expenses were $167,269, about $119 per account.

How the Cargurus, Inc. 401(k) changed, 2019–2024

Plan yearParticipantsPlan assetsEmployer contributionsBenefits paid
2019735$37.7 million$2.58 million$1.74 million
2020928$56.2 million$2.71 million$4.45 million
2021993$72.1 million$2.96 million$9.54 million
20221,131$72.8 million$4.71 million$7.04 million
20231,280$106.3 million$5.90 million$6.68 million
20241,389$138.4 million$6.09 million$9.91 million

Cargurus, Inc. 401(k) Contact Information

Phone
617-354-0068
Mailing address
2 CANAL PARK 4TH FLOOR, CAMBRIDGE MA 02141
Plan sponsor
CARGURUS, INC.
Employer identification number (EIN)
04-3843478
Plan number
001

Questions about the Cargurus, Inc. 401(k)

Does Cargurus, Inc contribute to the 401(k)?

Yes. The plan reports an employer contribution arrangement. In plan year 2024 the employer contributed $6.09 million, 25% of all contributions.

Does the Cargurus, Inc 401(k) have automatic enrollment?

Yes. The plan reports automatic enrollment of eligible employees.

How many people are in the Cargurus, Inc 401(k) plan?

1,389 participants at the start of plan year 2024, 1,053 of them active employees, and 369 former employees who still had money in the plan.

What is the average 401(k) balance at Cargurus, Inc?

About $98,879 per account: $138.4 million in plan assets across 1,400 accounts with a balance at the end of plan year 2024.

Who manages the Cargurus, Inc 401(k) accounts?

Fidelity NetBenefits (listed on the filing as FIDELITY INVESTMENTS INSTITUTIONAL) is the plan's recordkeeper, which is where participants log in to see their balance.

I no longer work at Cargurus, Inc. How do I access my 401(k)?

Your account stays with Fidelity NetBenefits after you leave, so you can log in with the same credentials. If your balance was small, the plan may have rolled it into an IRA in your name. If you can't find it, Beagle can locate it for you.

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