Orthoalliance Mso 401(k) match, vesting and fees
What Orthoalliance Mso's 401(k) plan says about matching contributions
The Company makes a safe harbor nonelective contribution of at least 3% of the participant’s compensation, as defined in the Plan document. The Company may also make a discretionary matching contribution and discretionary profit-sharing contribution to be distributed among eligible participants based on allocations determined by the Company, within limitations as determined by the Code. Participants who have completed one year of service are eligible for employer contributions to the Plan, starting January 1st or July 1st of the plan year after satisfying eligibility requirements. For the year ended December 31, 2024, the discretionary matching contribution was equivalent to 25% of the first 4% of eligible compensation. The total discretionary matching contribution for the year ended December 31, 2024 is $1,576,972. Subsequent to December 31, 2024, the Company made discretionary profit-sharing contributions of $10,119,091, safe harbor nonelective contributions of $4,973,677, and discretionary matching contributions of $347,565 for the year ended December 31, 2024.
Quoted directly from the filing. Plan terms may have changed; check your current Summary Plan Description.
Plan features
Indented passages are quoted word for word from the audit report; plan terms may have changed since, so check your current Summary Plan Description.
| Employer match | Quoted from the filing above | 2024 audit report, p. 36 ↗ |
| Automatic enrollment | Eligible employees are automatically enrolled in the Plan as soon as administratively feasible after satisfying eligibility requirements at an employee pre-tax contribution rate of 4% of their eligible pay, unless they opt out within a prescribed time limit or elect a different pre-tax and/or Roth contribution rate. The Plan provides for automatic employee pre-tax contribution rate increases by 1% until the participant's combined pre-tax and/or Roth contribution rate reaches 10%. | 2024 audit report, p. 36 ↗ |
| Roth contributions | Participant contributions include pre-tax deferrals, Roth deferrals, and rollover contributions. Eligible employees are automatically enrolled in the Plan as soon as administratively feasible after satisfying eligibility requirements at an employee pre-tax contribution rate of 4% of their eligible pay, unless they opt out within a prescribed time limit or elect a different pre-tax and/or Roth contribution rate. The Plan provides for automatic employee pre-tax contribution rate increases by 1% until the participant's combined pre-tax and/or Roth contribution rate reaches 10%. | 2024 audit report, p. 36 ↗ |
| Loans | The Plan does not allow participants to borrow from their vested accounts. The amount reported in the Statement of Net Assets Available for Benefits represents participant loan balances that were merged into the Plan. These loans are secured by the balance in the participant’s account and bear interest based on the rate from the loan transferred into the Plan. | 2024 audit report, p. 38 ↗ |
| Independent auditor | Baker Tilly US, LLP (unmodified opinion, limited scope) | 2025 Schedule H ↗ |
| Plan type and status | 401(k) · Active | 2025 Form 5500 ↗ |
| Late participant contributions | Reported on the filing | 2025 Schedule H ↗ |
Match, vesting and other plan features are from the plan year 2024 filing's audit report (the latest one extracted so far). Rows cited to the Form 5500 and its schedules are from the plan year 2025 filing.
How the plan compares
Plan year 2025 medians for 235 defined-contribution plans in health care and social assistance with 1,000 to 4,999 participants.
| Orthoalliance Mso: employer contribution per participant | $4,903 | |
| Peer median | $1,537 |
| Orthoalliance Mso: average balance | $85,691 | |
| Peer median | $56,476 |
| Orthoalliance Mso: admin expenses ÷ assets | 0.19% | |
| Peer median | 0.19% |
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 $233M at the end of plan year 2024 to $284M at the end of plan year 2025.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2025 | 3,346 | $284M | $16.2M | $4,903 | 0.19% | Not published | Form 5500 ↗ |
| 2024 | 3,111 | $233M | $16.5M | $5,376 | 0.20% | Quoted in the audit report, p. 36 ↗ | Form 5500 ↗ |
Common questions
Does Orthoalliance Mso match 401(k) contributions?
The audit report attached to the Orthoalliance 401(k) Plan's plan year 2024 Form 5500, page 36 says: “The Company makes a safe harbor nonelective contribution of at least 3% of the participant’s compensation, as defined in the Plan document. The Company may also make a discretionary matching contribution and discretionary profit-sharing contribution to be distributed among eligible participants based on allocations determined by the Company, within limitations as determined by the Code. Participants who have completed one year of service are eligible for employer contributions to the Plan, starting January 1st or July 1st of the plan year after satisfying eligibility requirements. For the year ended December 31, 2024, the discretionary matching contribution was equivalent to 25% of the first 4% of eligible compensation. The total discretionary matching contribution for the year ended December 31, 2024 is $1,576,972. Subsequent to December 31, 2024, the Company made discretionary profit-sharing contributions of $10,119,091, safe harbor nonelective contributions of $4,973,677, and discretionary matching contributions of $347,565 for the year ended December 31, 2024.” Plan terms may have changed; check your current Summary Plan Description.
When is the Orthoalliance Mso 401(k) match vested?
The vesting schedule for the Orthoalliance 401(k) Plan is not in the data published so far. Your Summary Plan Description states it.
Who manages the Orthoalliance Mso 401(k)?
The filing names Unitedhealth Group Employee Benefits Plans Administrative Committee as plan administrator; it does not list a recordkeeper.
I left Orthoalliance Mso. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (Unitedhealth Group Employee Benefits Plans Administrative Committee, (952) 936-1300). The Orthoalliance Mso old 401(k) page lists the contacts from every plan filing. Find an old Orthoalliance Mso 401(k)
Data from the public Form 5500 annual reports Orthoalliance Mso filed with the U.S. Department of Labor (plan years 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 Orthoalliance Mso. Not financial advice. Report a correction · Methodology