Sofi Technologies 401(k) match, vesting and fees
What Sofi Technologies' 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 | Empower Annuity Insurance Co | Schedule C ↗ |
| Independent auditor | Crowe 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 2025 medians for 27 defined-contribution plans in finance and insurance with 5,000 to 9,999 participants.
| Sofi Technologies: employer contribution per participant | $0 | |
| Peer median | $3,569 |
| Sofi Technologies: average balance | $56,341 | |
| Peer median | $136,119 |
| Sofi Technologies: admin expenses ÷ assets | 0.03% | |
| Peer median | 0.05% |
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 $80M at the end of plan year 2021 to $296M at the end of plan year 2025.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2025 | 5,657 | $296M | $0 | $0 | 0.03% | Not published | Form 5500 ↗ |
| 2024 | 4,448 | $193M | $26K | $6 | 0.04% | Not published | Form 5500 ↗ |
| 2023 | 3,971 | $140M | $73 | $0 | 0.03% | Not published | Form 5500 ↗ |
| 2022 | 3,452 | $89.3M | $0 | $0 | 0.03% | Not published | Form 5500 ↗ |
| 2021 | 2,845 | $80M | $0 | $0 | 0.02% | Not published | Form 5500 ↗ |
Common questions
Does Sofi Technologies match 401(k) contributions?
The match terms for the Sofi Technologies, Inc. 401(k) Plan have not been published from its filing yet. The plan year 2025 filing reports $0 in employer contributions, about $0 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the Sofi Technologies 401(k) match vested?
The vesting schedule for the Sofi Technologies, Inc. 401(k) Plan is not in the data published so far. Your Summary Plan Description states it.
Who manages the Sofi Technologies 401(k)?
The recordkeeper listed on Schedule C of the plan year 2025 filing is Empower Annuity Insurance Co. The plan administrator is Sofi Technologies, Inc..
I left Sofi Technologies. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (Sofi Technologies, Inc., (415) 612-8229) or the recordkeeper, Empower Annuity Insurance Co. The Sofi Technologies old 401(k) page lists the contacts from every plan filing. Find an old Sofi Technologies 401(k)
Data from the public Form 5500 annual reports Sofi Technologies 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 Sofi Technologies. Not financial advice. Report a correction · Methodology