Dial Silvercrest Corp. 401(k) Review & Grade
Dial Senior Management, Inc. 401(k) Plan
Omaha, NEReal Estate & Rental844 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$806Employer $ per active participant
$1,398Employee $ saved per active participant
0.68%Direct admin cost, % of plan assets
$15.1MNet plan assets, end of year
$27,030Average balance per account
Score breakdown
- Employer generosity16.9 / 5034th percentile for employer $ per participant
- Low cost3.4 / 2514th percentile for low admin cost vs. same-size plans
- Employee saving2.3 / 1516th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score23 / 100 · Grade F
This plan vs. peers
Peers: Real Estate & Rental plans with 500–2,499 active participants (291 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 34th |
| Lower admin cost | 14th |
| Employee saving | 16th |
| Peers that auto-enroll | 47% |
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Red flags from the filing
Corrective distributions: the plan refunded $2,704 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Dial Silvercrest put in about $806 per active participant, below the typical peer ($1,279). 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.
- Direct plan expenses (0.68% of assets) are well above similar-size plans (0.23%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- 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 | $680,061 |
| Participant (employee) contributions | $1,179,964 |
| Other contributions (incl. rollovers in) | $211,886 |
| Administrative expenses paid from the plan | $94,270 |
| Contract administrator fees | $94,270 |
| Benefits paid out | $1,054,721 |
| Net assets, start / end of year | $12.5M / $15.1M |
| Active participants, start / end of year | 846 / 842 |
| Participants with account balances | 558 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Bergankdv LLC |
Largest service providers (Schedule C)
| Usi Advisors Inc | $56,188 reported compensation |
| John Hancock Life Insurance Company | $4,708 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251009154928NAL0011297568001, received 2025-10-09, EIN 91-1825726, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.