Scripps Clinic Medical Group, Inc. Retirement Savings Plan

Scripps Clinic Medical Group, Inc. serves as the plan sponsor. This is the physician group itself, not the broader Scripps Health hospital system. The distinction matters because eligibility is limited to medical group employees rather than the full health system workforce.

The plan does not maintain a dedicated internal investment team. It operates as a participant-directed 401(k) through Charles Schwab's recordkeeping platform. An administrative committee appointed by the medical group likely oversees plan governance and fund menu selection, but investment risk and allocation decisions rest with individual participants.

No. The plan's asset composition — mutual funds, collective trusts, participant loans, and cash — reflects a traditional defined-contribution blueprint. There is no evidence of separate accounts, direct alternative investments, or co-investment programs in its public filings.

The Scripps Clinic Medical Group is an affiliated but legally separate entity from Scripps Health. This plan covers the medical group's own employees. Scripps Health maintains its own retirement programs for the broader hospital workforce, meaning the two plans operate under different sponsorship, participant populations, and governance structures.

Charles Schwab serves as the plan's recordkeeper and custodian, providing participant access, transaction processing, and the investment platform. The medical group's administrative committee retains fiduciary oversight, but there is no publicly named chief investment officer or dedicated internal investment staff.