Orthopedic Centers of Colorado, LLC 401(k) Review & Grade
Orthopedic Centers of Colorado, LLC 401(k) Profit Sharing Plan
Denver, COHealth Care & Social Assistance576 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$6,459Employer $ per active participant
$5,346Employee $ saved per active participant
0.24%Direct admin cost, % of plan assets
$80.9MNet plan assets, end of year
$113,500Average balance per account
Score breakdown
- Employer generosity47.2 / 5094th percentile for employer $ per participant
- Low cost12.0 / 2548th percentile for low admin cost vs. same-size plans
- Employee saving12.3 / 1582th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score75 / 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 | 94th |
| Lower admin cost | 48th |
| Employee saving | 82th |
| 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
- Orthopedic Centers of Colorado put in about $6,459 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 | $3,717,309 |
| Participant (employee) contributions | $3,076,585 |
| Other contributions (incl. rollovers in) | $808,788 |
| Administrative expenses paid from the plan | $196,563 |
| Investment advisory & management fees | $87,113 |
| Other admin expenses | $32,650 |
| Benefits paid out | $18,006,689 |
| Net assets, start / end of year | $80.3M / $80.9M |
| Active participants, start / end of year | 539 / 612 |
| Participants with account balances | 713 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Plante & Moran, PLLC |
Largest service providers (Schedule C)
| John Hancock | $76,615 reported compensation |
| Global Retirement Partners LLC | $66,828 reported compensation |
| The Mandmarblestone Group LLC | $32,650 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250820084350NAL0001531539001, received 2025-08-20, EIN 47-5021191, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.