Alignment Healthcare USA, LLC 401(k) Review & Grade
Alignment Healthcare USA, LLC 401(k) Plan
Orange, CAFinance & Insurance1,332 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$3,067Employer $ per active participant
$6,108Employee $ saved per active participant
0.21%Direct admin cost, % of plan assets
$59.8MNet plan assets, end of year
$54,648Average balance per account
Score breakdown
- Employer generosity20.0 / 5040th percentile for employer $ per participant
- Low cost13.3 / 2553th percentile for low admin cost vs. same-size plans
- Employee saving5.3 / 1536th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score42 / 100 · Grade D
This plan vs. peers
Peers: Finance & Insurance plans with 500–2,499 active participants (754 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 40th |
| Lower admin cost | 53th |
| Employee saving | 36th |
| 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
No red flags were reported on this filing's compliance questions.
What to do if you're in this plan
- Alignment Healthcare USA put in about $3,067 per active participant, below the typical peer ($3,606). Any match is still an instant return, so contribute enough to get all of it.
- 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 | $4,086,350 |
| Participant (employee) contributions | $8,138,562 |
| Other contributions (incl. rollovers in) | $926,412 |
| Administrative expenses paid from the plan | $109,418 |
| Benefits paid out | $5,033,280 |
| Net assets, start / end of year | $45.4M / $59.8M |
| Active participants, start / end of year | 1,347 / 1,318 |
| Participants with account balances | 1,094 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Planchec(k)cpa S LLC |
Largest service providers (Schedule C)
| Adp, Inc. | $109,417 reported compensation |
| Adp Broker-Dealer | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250917193047NAL0000925200001, received 2025-09-17, EIN 46-5586875, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.