See what the best FFL Fee is in your area, then add that to the best online price you can find (+ shipping, of course) (many times, Buds ships for free). If the online price + shipping + FFL Fee is NOT less than $400, go with Academy.

If there's a real LGS close by, see if they'll match the online price + shipping. Many times, my LGS will match whatever online price (+ shipping) I bring them.