Savista, LLC 401(k) Review & Grade
Savista 401(k) Plan
Alpharetta, GAProfessional, Scientific & Technical Services1,408 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,310Employer $ per active participant
$4,357Employee $ saved per active participant
0.24%Direct admin cost, % of plan assets
$81.3MNet plan assets, end of year
$45,392Average balance per account
Score breakdown
- Employer generosity12.0 / 5024th percentile for employer $ per participant
- Low cost12.2 / 2549th percentile for low admin cost vs. same-size plans
- Employee saving3.4 / 1522th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score38 / 100 · Grade D
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 24th |
| Lower admin cost | 49th |
| Employee saving | 22th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
No red flags were reported on this filing's compliance questions.
What to do if you're in this plan
- Savista put in about $1,310 per active participant, below the typical peer ($3,082). Any match is still an instant return, so contribute enough to get all of it.
- 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.
- The plan auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- 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 | $1,843,940 |
| Participant (employee) contributions | $6,132,420 |
| Other contributions (incl. rollovers in) | $1,271,355 |
| Administrative expenses paid from the plan | $182,556 |
| Other admin expenses | $42,240 |
| Benefits paid out | $8,967,640 |
| Net assets, start / end of year | $71.9M / $81.3M |
| Active participants, start / end of year | 1,410 / 1,405 |
| Participants with account balances | 1,792 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Baker Tilly US LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $123,816 reported compensation |
| Greenspring Advisors | $42,240 reported compensation |
| Hancock Askew & Co., LLP | $16,500 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250826140145NAL0008568033001, received 2025-08-26, EIN 84-4304977, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.