First Foundation 401(k) match, vesting and fees
What First Foundation's 401(k) plan says about matching contributions
Plan features
Match, vesting and enrollment details have not been published from this plan's audit report yet. The figures below come from the structured filing.
| Recordkeeper | Fidelity Investments Institutional | Schedule C ↗ |
| Independent auditor | Ngp & Associates (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | 401(k) · Active | Form 5500 ↗ |
How the plan compares
Plan year 2025 medians for 208 defined-contribution plans in finance and insurance with 500 to 999 participants.
| First Foundation: employer contribution per participant | $2,769 | |
| Peer median | $3,090 |
| First Foundation: average balance | $125,348 | |
| Peer median | $119,169 |
| First Foundation: admin expenses ÷ assets | 0.05% | |
| Peer median | 0.10% |
Admin expenses are the plan's reported administrative expenses divided by its assets; they do not include fund expense ratios.
Plan history
Plan assets went from $72M at the end of plan year 2021 to $94.3M at the end of plan year 2025.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2025 | 795 | $94.3M | $2.1M | $2,769 | 0.05% | Not published | Form 5500 ↗ |
| 2024 | 794 | $84.6M | $2M | $2,602 | 0.08% | Not published | Form 5500 ↗ |
| 2023 | 780 | $77.2M | $2.4M | $3,152 | 0.06% | Not published | Form 5500 ↗ |
| 2022 | 842 | $68.4M | $2.8M | $3,434 | 0.06% | Not published | Form 5500 ↗ |
| 2021 | 653 | $72M | $2.1M | $3,355 | 0.12% | Not published | Form 5500 ↗ |
Common questions
Does First Foundation match 401(k) contributions?
The match terms for the First Foundation Inc. Retirement Plan have not been published from its filing yet. The plan year 2025 filing reports $2.1M in employer contributions, about $2,769 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the First Foundation 401(k) match vested?
The vesting schedule for the First Foundation Inc. Retirement Plan is not in the data published so far. Your Summary Plan Description states it.
Who manages the First Foundation 401(k)?
The recordkeeper listed on Schedule C of the plan year 2025 filing is Fidelity Investments Institutional. The plan administrator is First Foundation Inc..
I left First Foundation. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (First Foundation Inc., (949) 202-4100) or the recordkeeper, Fidelity Investments Institutional. The First Foundation old 401(k) page lists the contacts from every plan filing. Find an old First Foundation 401(k)
Data from the public Form 5500 annual reports First Foundation filed with the U.S. Department of Labor (plan years 2021 and 2022 and 2023 and 2024 and 2025) and, where noted, the attached independent auditor's report. Plan terms may have changed since the filing; check your current Summary Plan Description. PlanFacts is not affiliated with First Foundation. Not financial advice. Report a correction · Methodology