Silver Eagle Distributors Houston, LLC 401(k) Review & Grade
Silver Eagle Distributors Houston 401(k) Plan
Houston, TXWholesale Trade1,014 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$1,336Employer $ per active participant
$3,900Employee $ saved per active participant
0.01%Direct admin cost, % of plan assets
$62.1MNet plan assets, end of year
$55,280Average balance per account
Score breakdown
- Employer generosity17.9 / 5036th percentile for employer $ per participant
- Low cost24.3 / 2597th percentile for low admin cost vs. same-size plans
- Employee saving5.6 / 1537th percentile for employee $ per participant
- Plan features7 / 10Auto-enrollment
Total score55 / 100 · Grade C
This plan vs. peers
Peers: Wholesale Trade plans with 500–2,499 active participants (603 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 36th |
| Lower admin cost | 97th |
| Employee saving | 37th |
| Peers that auto-enroll | 53% |
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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
- Silver Eagle Distributors Houston put in about $1,336 per active participant, below the typical peer ($1,792). 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 | $1,354,491 |
| Participant (employee) contributions | $3,952,525 |
| Other contributions (incl. rollovers in) | $118,490 |
| Administrative expenses paid from the plan | $7,256 |
| Benefits paid out | $5,402,311 |
| Net assets, start / end of year | $54.7M / $62.1M |
| Active participants, start / end of year | 937 / 1,090 |
| Participants with account balances | 1,123 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | RSM |
Largest service providers (Schedule C)
| Jpmorgan Invest Holdings LLC | $6,886 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250908142737NAL0032586656001, received 2025-09-08, EIN 83-4526800, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.