Organogenesis Inc. 401(k) Review & Grade
Organogenesis Inc. 401k Savings Plan
Canton, MAHealth Care & Social Assistance824 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$8,490Employer $ per active participant
$13,610Employee $ saved per active participant
0.03%Direct admin cost, % of plan assets
$143.9MNet plan assets, end of year
$116,795Average balance per account
Score breakdown
- Employer generosity48.6 / 5097th percentile for employer $ per participant
- Low cost23.5 / 2594th percentile for low admin cost vs. same-size plans
- Employee saving14.8 / 1599th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score97 / 100 · Grade A
This plan vs. peers
Peers: Health Care & Social Assistance plans with 500–2,499 active participants (1,427 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 97th |
| Lower admin cost | 94th |
| Employee saving | 99th |
| 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
- Organogenesis put in about $8,490 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.
- 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 | $6,995,762 |
| Participant (employee) contributions | $11,214,431 |
| Other contributions (incl. rollovers in) | $1,933,364 |
| Administrative expenses paid from the plan | $33,801 |
| Contract administrator fees | $23,343 |
| Investment advisory & management fees | $10,458 |
| Benefits paid out | $14,037,338 |
| Net assets, start / end of year | $121.8M / $143.9M |
| Active participants, start / end of year | 830 / 818 |
| Participants with account balances | 1,232 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | PKF O'connor Davies, LLP |
Largest service providers (Schedule C)
| John Hancock Retirement Plan Svcs. | $33,801 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251002160950NAL0000699009001, received 2025-10-02, EIN 04-2871690, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.