Orix Corporation USA 401(k) Review & Grade
Orix Corporation USA Savings and Investment Plan
Dallas, TXFinance & Insurance1,257 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$6,985Employer $ per active participant
$15,697Employee $ saved per active participant
0.01%Direct admin cost, % of plan assets
$315.2MNet plan assets, end of year
$199,770Average balance per account
Score breakdown
- Employer generosity41.6 / 5083th percentile for employer $ per participant
- Low cost24.7 / 2599th percentile for low admin cost vs. same-size plans
- Employee saving13.7 / 1592th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score80 / 100 · Grade A
This plan vs. peers
Peers: Finance & Insurance plans with 500–2,499 active participants (754 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 83th |
| Lower admin cost | 99th |
| Employee saving | 92th |
| Peers that auto-enroll | 62% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
Red flags from the filing
Corrective distributions: the plan refunded $7,433 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Orix Corporation USA put in about $6,985 per active participant, more than the typical peer ($3,606). 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 | $8,780,690 |
| Participant (employee) contributions | $19,731,370 |
| Other contributions (incl. rollovers in) | $2,556,242 |
| Administrative expenses paid from the plan | $16,319 |
| Investment advisory & management fees | $1,065 |
| Benefits paid out | $24,338,715 |
| Net assets, start / end of year | $266.3M / $315.2M |
| Active participants, start / end of year | 1,262 / 1,252 |
| Participants with account balances | 1,578 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Forvis Mazars, LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | −$3,072 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251009121040NAL0003554403001, received 2025-10-09, EIN 13-3095268, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.