Oss Orthopaedic Hospital, LLC 401(k) Review & Grade
Oss Orthopaedic Hospital, LLC 401(k) Plan & Trust
York, PAHealth Care & Social Assistance815 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$3,451Employer $ per active participant
$4,618Employee $ saved per active participant
0.17%Direct admin cost, % of plan assets
$80.3MNet plan assets, end of year
$84,058Average balance per account
Score breakdown
- Employer generosity42.6 / 5085th percentile for employer $ per participant
- Low cost14.8 / 2559th percentile for low admin cost vs. same-size plans
- Employee saving11.2 / 1575th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score72 / 100 · Grade B
This plan vs. peers
Peers: Health Care & Social Assistance plans with 500–2,499 active participants (1,427 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 85th |
| Lower admin cost | 59th |
| Employee saving | 75th |
| Peers that auto-enroll | 36% |
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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
- Oss Orthopaedic Hospital put in about $3,451 per active participant, more than the typical peer ($976). Contribute at least enough to collect the full match. Skipping it leaves part of your pay on the table.
- 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.
- 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 | $2,812,426 |
| Participant (employee) contributions | $3,764,053 |
| Other contributions (incl. rollovers in) | $778,157 |
| Administrative expenses paid from the plan | $135,161 |
| Benefits paid out | $10,916,672 |
| Net assets, start / end of year | $76.4M / $80.3M |
| Active participants, start / end of year | 778 / 852 |
| Participants with account balances | 955 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | RKL LLP |
Largest service providers (Schedule C)
| The Vanguard Group | $98,468 reported compensation |
| Fidelity Investments Institutional | $36,693 reported compensation |
| Ascensus Consulting | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20260406092537NAL0007447600001, received 2026-04-06, EIN 80-0458999, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.