Operation Smile 401(k) match, vesting and fees
What Operation Smile's 401(k) plan says about matching contributions
Plan features
Match, vesting and enrollment details have not been published from this plan's audit report yet. The figures below come from the structured filing.
| Recordkeeper | Capital Group Retirement Plan Serv | Schedule C ↗ |
| Independent auditor | Charles W Snader PC (unmodified opinion) | Schedule H ↗ |
| Plan type and status | 401(k) · Active | Form 5500 ↗ |
How the plan compares
Plan year 2025 medians for 942 defined-contribution plans in other services with 100 to 499 participants.
| Operation Smile: employer contribution per participant | $4,491 | |
| Peer median | $1,890 |
| Operation Smile: average balance | $85,065 | |
| Peer median | $56,033 |
| Operation Smile: admin expenses ÷ assets | 0.30% | |
| Peer median | 0.37% |
Admin expenses are the plan's reported administrative expenses divided by its assets; they do not include fund expense ratios.
Plan history
Plan assets went from $19.9M at the end of plan year 2021 to $24.8M at the end of plan year 2025.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2025 | 292 | $24.8M | $1.3M | $4,491 | 0.30% | Not published | Form 5500 ↗ |
| 2024 | 290 | $23.3M | $1M | $5,647 | 0.11% | Not published | Form 5500 ↗ |
| 2023 | 298 | $19.1M | $919K | $3,094 | 0.08% | Not published | Form 5500 ↗ |
| 2022 | 277 | $16.9M | $876K | $3,163 | 0.12% | Not published | Form 5500 ↗ |
| 2021 | 227 | $19.9M | $884K | $3,894 | 0.08% | Not published | Form 5500 ↗ |
Common questions
Does Operation Smile match 401(k) contributions?
The match terms for the Operation Smile 401(k) Plan 004 have not been published from its filing yet. The plan year 2025 filing reports $1.3M in employer contributions, about $4,491 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the Operation Smile 401(k) match vested?
The vesting schedule for the Operation Smile 401(k) Plan 004 is not in the data published so far. Your Summary Plan Description states it.
Who manages the Operation Smile 401(k)?
The recordkeeper listed on Schedule C of the plan year 2025 filing is Capital Group Retirement Plan Serv. The plan administrator is Operation Smile, Inc..
I left Operation Smile. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (Operation Smile, Inc., (757) 321-3245) or the recordkeeper, Capital Group Retirement Plan Serv. The Operation Smile old 401(k) page lists the contacts from every plan filing. Find an old Operation Smile 401(k)
Data from the public Form 5500 annual reports Operation Smile filed with the U.S. Department of Labor (plan years 2021 and 2022 and 2023 and 2024 and 2025) and, where noted, the attached independent auditor's report. Plan terms may have changed since the filing; check your current Summary Plan Description. PlanFacts is not affiliated with Operation Smile. Not financial advice. Report a correction · Methodology