Ladder Financial 401(k) match, vesting and fees
What Ladder Financial'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 | The Vanguard Group, Inc. | Schedule C ↗ |
| Independent auditor | Frank Rimerman + Co LLP (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | 401(k) · Active | Form 5500 ↗ |
| Late participant contributions | Reported on the filing | Schedule H ↗ |
How the plan compares
Plan year 2024 medians for 3,409 defined-contribution plans in finance and insurance with 100 to 499 participants.
| Ladder Financial: employer contribution per participant | $4,411 | |
| Peer median | $2,868 |
| Ladder Financial: average balance | $93,189 | |
| Peer median | $95,281 |
| Ladder Financial: admin expenses ÷ assets | 0.03% | |
| Peer median | 0.22% |
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 $12.1M at the end of plan year 2023 to $15.5M at the end of plan year 2024.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2024 | 170 | $15.5M | $732K | $4,411 | 0.03% | Not published | Form 5500 ↗ |
| 2023 | 188 | $12.1M | $826K | $4,439 | 0.02% | Not published | Form 5500 ↗ |
Common questions
Does Ladder Financial match 401(k) contributions?
The match terms for the Ladder Life 401(k) Plan have not been published from its filing yet. The plan year 2024 filing reports $732K in employer contributions, about $4,411 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the Ladder Financial 401(k) match vested?
The vesting schedule for the Ladder Life 401(k) Plan is not in the data published so far. Your Summary Plan Description states it.
Who manages the Ladder Financial 401(k)?
The recordkeeper listed on Schedule C of the plan year 2024 filing is The Vanguard Group, Inc.. The plan administrator is Ladder Financial Inc..
I left Ladder Financial. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (Ladder Financial Inc., (408) 230-6103) or the recordkeeper, The Vanguard Group, Inc.. The Ladder Financial old 401(k) page lists the contacts from every plan filing. Find an old Ladder Financial 401(k)
Data from the public Form 5500 annual reports Ladder Financial filed with the U.S. Department of Labor (plan years 2023 and 2024) 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 Ladder Financial. Not financial advice. Report a correction · Methodology