Old Republic International Corp. 401(k) Review & Grade
Ori 401(k) Savings and Profit Sharing Plan
Chicago, ILFinance & Insurance9,761 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$4,534Employer $ per active participant
$7,277Employee $ saved per active participant
0.00%Direct admin cost, % of plan assets
$2.1BNet plan assets, end of year
$152,405Average balance per account
Score breakdown
- Employer generosity25.8 / 5052th percentile for employer $ per participant
- Low cost24.8 / 2599th percentile for low admin cost vs. same-size plans
- Employee saving5.4 / 1536th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score66 / 100 · Grade B
This plan vs. peers
Peers: Finance & Insurance plans with 2,500–9,999 active participants (199 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 52th |
| Lower admin cost | 99th |
| Employee saving | 36th |
| Peers that auto-enroll | 66% |
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
- Old Republic International put in about $4,534 per active participant, more than the typical peer ($4,489). 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.
- 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 | $44,255,254 |
| Participant (employee) contributions | $71,026,742 |
| Other contributions (incl. rollovers in) | $12,396,054 |
| Administrative expenses paid from the plan | $65,124 |
| Investment advisory & management fees | $17,624 |
| Benefits paid out | $272,362,988 |
| Net assets, start / end of year | $1.9B / $2.1B |
| Active participants, start / end of year | 9,738 / 9,784 |
| Participants with account balances | 13,521 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Cbiz Cpas P.C. |
| Employer stock held by plan | $651,236,620 |
Largest service providers (Schedule C)
| Cbiz Cpas P.C. | $47,500 reported compensation |
| Fidelity Investments Institutional | $14,764 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250911133230NAL0000243699001, received 2025-09-11, EIN 36-2678171, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.
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