Tulsa Bone and Joint Associates Retirement Plan

Tulsa Bone & Joint Associates, Inc., an orthopaedic medical practice located in Tulsa, Oklahoma, sponsors the plan. The sponsor bears fiduciary responsibility for plan operations under ERISA. The practice is a member of the Tulsa Regional Chamber.

The plan is a tax-qualified defined contribution plan, likely a profit-sharing plan with a 401(k) feature, standard for private medical groups. Participant-directed accounts hold pre-tax and possibly Roth contributions, alongside employer matching or profit-sharing allocations. Specific plan design details are not publicly enumerated beyond standard ERISA filings.

Two asset categories are disclosed in public filings: participant loans — loans from the plan to its members against their vested account balances — and a position in an insurance company general account, which typically offers a guaranteed fixed rate of return. The broader fund menu, including equity and fixed-income mutual funds or collective trusts, is not publicly itemized.

Insurance company general accounts, which the plan holds, are a conservative fixed-income instrument — not an alternative asset. There is no public record of the plan participating in private equity, venture capital, direct real estate, or hedge fund allocations. Smaller single-employer plans in medical practices rarely access such asset classes through their recordkeeping platforms.

No named investment consultant, OCIO provider, or internal chief investment officer is publicly associated with the plan. Day-to-day investment menu construction and fiduciary monitoring are likely managed by the practice's leadership or delegated to a bundled recordkeeper-advice arrangement, consistent with small to mid-sized professional-services retirement plans.