Spear Physical Therapy 401(k) match, vesting and fees
What Spear Physical Therapy'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 | Fidelity Investments Institutional | Schedule C ↗ |
| Independent auditor | Cbiz Cpas P.C. (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | 401(k) · Active | Form 5500 ↗ |
| Late participant contributions | Reported on the filing | Schedule H ↗ |
How the plan compares
Plan year 2024 medians for 7,678 defined-contribution plans in health care and social assistance with 100 to 499 participants.
| Spear Physical Therapy: employer contribution per participant | $1,343 | |
| Peer median | $1,468 |
| Spear Physical Therapy: average balance | $35,678 | |
| Peer median | $37,786 |
| Spear Physical Therapy: admin expenses ÷ assets | 0.43% | |
| Peer median | 0.39% |
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 $7.7M at the end of plan year 2021 to $15.3M at the end of plan year 2024.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2024 | 994 | $15.3M | $576K | $1,343 | 0.43% | Not published | Form 5500 ↗ |
| 2023 | 720 | $11M | $411K | $1,325 | 0.46% | Not published | Form 5500 ↗ |
| 2022 | 531 | $7.6M | $366K | $1,704 | 0.44% | Not published | Form 5500 ↗ |
| 2021 | 393 | $7.7M | $311K | $1,621 | 0.45% | Not published | Form 5500 ↗ |
Other Spear Physical Therapy plans (2)
Each plan files its own Form 5500. Figures are from each plan's latest filing.
S.P.E.A.R. Physical and Occupational Therapy, LLC Profit Sharing Plan
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.
| Independent auditor | Cbiz Cpas P.C. (unmodified opinion) | Schedule H ↗ |
| Plan type and status | Profit-sharing · Active | Form 5500 ↗ |
S.P.E.A.R. Physical and Occupational Therapy, LLC Cash Balance Plan
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.
| Plan type and status | Pension (defined benefit) · Active | Form 5500 ↗ |
Common questions
Does Spear Physical Therapy match 401(k) contributions?
The match terms for the Spear Physical Therapy PLLC 401(k) Plan have not been published from its filing yet. The plan year 2024 filing reports $576K in employer contributions, about $1,343 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the Spear Physical Therapy 401(k) match vested?
The vesting schedule for the Spear Physical Therapy PLLC 401(k) Plan is not in the data published so far. Your Summary Plan Description states it.
Who manages the Spear Physical Therapy 401(k)?
The recordkeeper listed on Schedule C of the plan year 2024 filing is Fidelity Investments Institutional. The plan administrator is Spear Physical Therapy PLLC.
I left Spear Physical Therapy. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (Spear Physical Therapy PLLC, (646) 790-7457) or the recordkeeper, Fidelity Investments Institutional. The Spear Physical Therapy old 401(k) page lists the contacts from every plan filing. Find an old Spear Physical Therapy 401(k)
Data from the public Form 5500 annual reports Spear Physical Therapy filed with the U.S. Department of Labor (plan years 2021 and 2022 and 2023 and 2024) 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 Spear Physical Therapy. Not financial advice. Report a correction · Methodology