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Original filing (PDF)20251014081512NAL0005053698001
TOAST, INC.
Form 5500
FILING_RECEIVED
TOAST, INC. 401(K) PLAN
401(k) retirement plan
Active participants
4,799
Accounts w/ balance
5,808
Plan assets (EOY)
$323.2M
Net assets (EOY)
$323.2M
How this plan invests
This plan
1 pooled trust
Schedule D
30 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
100
/ 100
Grade A
Top-tier plan health
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
100
Concentration risk
100
Total plan cost
100
Vendor stack
100
Participation health
100
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for TOAST, INC..
Plan sponsor
Name
TOAST, INC.
EIN
45-4168768
Address
333 SUMMER ST · BOSTON, MA · 02210
Phone
(617) 807-0266
Industry
Custom Computer Programming· Professional & Technical Servicessee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
001
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-14
Pension benefit codes
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2S · Automatic enrollment
2T · Default investment account (QDIA)
2E · Profit-sharing
3D · Pre-approved plan (master / prototype / VS)
2F · ERISA section 404(c)
Audit & trust (Schedule H)
Auditor
BOIVIN & ASSOCIATES, CPAS, PLLC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
1 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| FIDELITY INVESTMENTS INSTITUTIONAL | 04-2647786 | — | RECORDKEEPER | $384K | — |
Investments
29 direct securities · 1 pooled fund· $319.2M(99% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Click one to drill into its own Schedule of Assets — where the individual funds, shares, and CUSIPs live.
Uncategorized
$317.1M
29 holdings
Common Collective Trust
$2.0M
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Fidelity Freedom Index 2055 Fund, 3,236,345 shares | — | — | $3.2M | $69.2M | 21.4% | |
| Fidelity Freedom Index 2060 Fund, 2,796,437 shares | — | — | $2.8M | $50.6M | 15.7% | |
| Fidelity Freedom Index 2050 Fund, 1,773,720 shares | — | — | $1.8M | $46.1M | 14.3% | |
| Fidelity 500 Index Fund, 210,502 shares | — | — | $211K | $43.0M | 13.3% | |
| Fidelity Freedom Index 2045 Fund, 973,961 shares | — | — | $974K | $25.2M | 7.8% | |
| Fidelity Freedom Index 2040 Fund, 535,188 shares | — | — | $535K | $13.2M | 4.1% | |
| Vanguard Growth Index Fund, 54,416 shares | — | — | $54K | $11.5M | 3.6% | |
| Vanguard Information Technology Fund, 33,001 shares | — | — | $33K | $10.5M | 3.2% | |
| Fidelity Freedom Index 2065 Fund, 511,846 shares | — | — | $512K | $7.5M | 2.3% | |
| Vanguard Small Cap Index Fund, 56,489 shares | — | — | $56K | $6.5M | 2.0% | |
| T. Rowe Price Blue Chip Growth Fund, 27,097 shares | — | — | $27K | $5.1M | 1.6% | |
| Fidelity Freedom Index 2035 Fund, 196,743 shares | — | — | $197K | $4.6M | 1.4% | |
| Vanguard Mid Cap Growth Index Fund, 30,490 shares | — | — | $30K | $3.3M | 1.0% | |
| Vanguard International Growth Fund, 28,992 shares | — | — | $29K | $2.9M | 0.9% | |
| JP Morgan Equity Income Fund, 122,726 shares | — | — | $123K | $2.9M | 0.9% | |
| Fidelity Freedom Index 2030 Fund, 141,319 shares | — | — | $141K | $2.9M | 0.9% | |
| Participant loans 4.25%-9.50% | — | — | — | $2.3M | 0.7% | |
| Vanguard Mid Cap Value Index Fund, 26,571 shares | — | — | $27K | $2.2M | 0.7% | |
| Fidelity US Bond Index Fund, 203,321 shares | — | — | $203K | $2.1M | 0.6% | |
| PUTNAM STABLE VALUE PUTNAM FIDUCIARY TRUST COMPANY · EIN 04-3159710 / PN 202 | Common Collective Trust | — | $2.0M | $2.0M | 0.6% | |
| Loomis Sayles Investment Grade Bond Fund, 144,706 shares | — | — | $145K | $1.4M | 0.4% | |
| Vanguard International Value Fund, 35,358 shares | — | — | $35K | $1.3M | 0.4% | |
| Vanguard Real Estate Index Fund, 9,781 shares | — | — | $10K | $1.2M | 0.4% | |
| Fidelity Freedom Index 2025 Fund, 52,495 shares | — | — | $52K | $975K | 0.3% | |
| Fidelity Freedom Index 2020 Fund, 13,278 shares | — | — | $13K | $209K | <0.1% | |
| Vanguard | — | — | — | $195K | <0.1% | |
| Fidelity Freedom Index Income Fund, 7,481 shares | — | — | $7K | $88K | <0.1% | |
| DFA | — | — | — | $56K | <0.1% | |
| Fidelity Freedom Index 2015 Fund, 529 shares | — | — | — | $8K | <0.1% | |
| Fidelity Freedom Index 2010 Fund, 193 shares | — | — | — | $2K | <0.1% |
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