Ripple Labs 401(k) match, vesting and fees
What Ripple Labs' 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 | Bpm 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 266 defined-contribution plans in information with 500 to 999 participants.
| Ripple Labs: employer contribution per participant | $1,776 | |
| Peer median | $2,049 |
| Ripple Labs: average balance | $87,489 | |
| Peer median | $79,099 |
| Ripple Labs: admin expenses ÷ assets | 0.12% | |
| Peer median | 0.16% |
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 $25.1M at the end of plan year 2021 to $65M at the end of plan year 2024.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2024 | 761 | $65M | $1.3M | $1,776 | 0.12% | Not published | Form 5500 ↗ |
| 2023 | 746 | $48.1M | $1.5M | $2,091 | 0.11% | Not published | Form 5500 ↗ |
| 2022 | 731 | $29.8M | $1.2M | $1,729 | 0.16% | Not published | Form 5500 ↗ |
| 2021 | 481 | $25.1M | $820K | $1,783 | 0.40% | Not published | Form 5500 ↗ |
Common questions
Does Ripple Labs match 401(k) contributions?
The match terms for the Ripple Labs 401(k) Plan have not been published from its filing yet. The plan year 2024 filing reports $1.3M in employer contributions, about $1,776 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the Ripple Labs 401(k) match vested?
The vesting schedule for the Ripple Labs 401(k) Plan is not in the data published so far. Your Summary Plan Description states it.
Who manages the Ripple Labs 401(k)?
The recordkeeper listed on Schedule C of the plan year 2024 filing is Fidelity Investments Institutional. The plan administrator is Ripple Labs, Inc..
I left Ripple Labs. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (Ripple Labs, Inc., (925) 784-6861) or the recordkeeper, Fidelity Investments Institutional. The Ripple Labs old 401(k) page lists the contacts from every plan filing. Find an old Ripple Labs 401(k)
Data from the public Form 5500 annual reports Ripple Labs filed with the U.S. Department of Labor (plan years 2021 and 2022 and 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 Ripple Labs. Not financial advice. Report a correction · Methodology