Savant Capital, LLC 401(k) Review & Grade
Savant Capital, LLC 401(k) Plan
Rockford, ILFinance & Insurance548 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$7,319Employer $ per active participant
$12,756Employee $ saved per active participant
0.02%Direct admin cost, % of plan assets
$79.3MNet plan assets, end of year
$132,972Average balance per account
Score breakdown
- Employer generosity42.6 / 5085th percentile for employer $ per participant
- Low cost24.1 / 2596th percentile for low admin cost vs. same-size plans
- Employee saving12.7 / 1585th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score79 / 100 · Grade A
This plan vs. peers
Peers: Finance & Insurance plans with 500–2,499 active participants (754 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 85th |
| Lower admin cost | 96th |
| Employee saving | 85th |
| Peers that auto-enroll | 62% |
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Red flags from the filing
Corrective distributions: the plan refunded $156 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Savant Capital put in about $7,319 per active participant, more than the typical peer ($3,606). Contribute at least enough to collect the full match. Skipping it leaves part of your pay on the table.
- The filing shows total dollars, not the match formula. Ask HR for the Summary Plan Description so you know the exact match and vesting schedule.
- Fund expense ratios aren't in the filing. Look them up in your 404(a)(5) fee disclosure and favor low-cost index or target-date funds.
- Changing jobs? You can usually leave the money in the plan, move it to your new employer's plan, or roll it into an IRA. Don't cash out: you'd owe taxes and possibly a 10% penalty.
The raw numbers from the filing
| Employer contributions | $4,007,209 |
| Participant (employee) contributions | $6,983,914 |
| Other contributions (incl. rollovers in) | $9,951,907 |
| Administrative expenses paid from the plan | $10,847 |
| Other admin expenses | $3,740 |
| Benefits paid out | $4,625,162 |
| Net assets, start / end of year | $55.3M / $79.3M |
| Active participants, start / end of year | 525 / 570 |
| Participants with account balances | 596 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Benning Group, LLC |
Largest service providers (Schedule C)
| PCS Retirement, LLC | $7,107 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250916151634NAL0001254003001, received 2025-09-16, EIN 45-3812777, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.