How big is Ripple Labs, Inc.'s plan?

Ripple Labs, Inc.'s plan reported $65.0M in assets and 504 participants for 2024.

Original filing (PDF)20250922151925NAL0007903378001

Ripple Labs, Inc.

Name: Ripple Labs, Inc. — Ripple Labs 401(k) Plan, Form 5500 (2024)
Creator: Ripple Labs, Inc.
License: https://www.usa.gov/government-works

Form 5500

FILING_RECEIVED

Ripple Labs 401(k) Plan

401(k) retirement plan · Ripple Labs, Inc.'s Ripple Labs 401(k) Plan held $65.0M in plan assets for 504 participants in 2024, with Fidelity as recordkeeper.

Signals · 2

Late participant contributionsCorrective distributions issued

Active participants

504

Accounts w/ balance

743

Plan assets (EOY)

$65.0M

Net assets (EOY)

$65.0M

People on this filing

Danielle Metzger signed Ripple Labs, Inc.'s 2024 Form 5500 as plan administrator.

Danielle Metzger — Plan Administrator — Form 5500 signer

Get verified email & phone for these signers

Signer names are public record from the Form 5500 e-signature.

Plan identifiers

Ripple Labs, Inc.'s EIN is 46-1128587.

EIN 46-1128587

Plan number 001

Plan year 2024

ACK ID 20250922151925NAL0007903378001

Official Form 5500 document

Download the official 2024 Form 5500 (PDF) for Ripple Labs, Inc. from the U.S. Department of Labor's EFAST2 system.

Download the official 2024 Form 5500 (PDF)

Plan features

Ripple Labs, Inc.'s plan includes profit-sharing, ERISA 404(c) participant direction, a 401(k) feature, automatic enrollment, a default investment (QDIA).

Decision-maker contacts

One unlock reveals every key decision-maker — plan signer, CFO, HR & Benefits — with verified email + LinkedIn for RIPPLE LABS, INC..

Finding similar companies…

How this plan invests

This plan

34 securities

funds · stocks · CUSIPs

Holdings are itemized directly on this plan's Schedule of Assets, below.

Plan health score

Above-average plan

Directional indicator from public Form 5500 data — compliance & integrity, total plan cost, participant health and vendor stack, benchmarked against same-size peers. Not a fiduciary tool.

Compliance & integrity

Total plan cost

Plan health

Vendor & structure

100

Knocking points off

Delinquent participant contributions reported (Schedule H 4a) — 1417K (10% of contributions).
Corrective distributions issued (likely failed ADP/ACP testing).

Plan sponsor

Name

RIPPLE LABS, INC.

EIN

all filings

Address

600 BATTERY ST. · SAN FRANCISCO, CA · 94111

Phone

(925) 784-6861

Industry

Software Publishers· Information / Tech / Media

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

2025-09-22

Pension benefit codes

2E · Profit-sharing

2F · ERISA section 404(c)

2G · Total participant-directed accounts

2J · 401(k) feature

2K · 401(m) arrangement

2S · Automatic enrollment

2T · Default investment account (QDIA)

3D · Pre-approved plan (master / prototype / VS)

Service providers (Schedule C)

3 rows

Recordkeeper

Name	EIN	Location	Relation	Direct comp	Indirect comp
FIDELITY INVESTMENTS INSTITUTIONAL	04-2647786	—	RECORDKEEPER	$4K	—

Advisor / Consultant

Name	EIN	Location	Relation	Direct comp	Indirect comp
WORLD INVESTMENT ADVISORS LLC	61-1758632	—	ADVISOR	$40K	—

Accountant / Auditor

Investments

34 direct securities· $65.0M(100% of reported assets)

Mutual Funds

$48.8M

21 holdings

Common Collective Trusts

$11.8M

7 holdings

Other securities

$4.0M

5 holdings

Bonds / Notes

$354K

1 holding

					% of plan
Fidelity Freedom Index 2050 Investor Class Fund Mutual fund	Mutual Funds	—	—	$10.5M	16.2%
Fidelity Freedom Index 2055 Investor Class Fund Mutual fund	Mutual Funds	—	—	$8.7M	13.4%
Fidelity Freedom Index 2045 Investor Class Fund Mutual fund	Mutual Funds	—	—	$5.6M	8.6%
Fidelity Freedom Index 2040 Investor Class Fund Mutual fund	Mutual Funds	—	—	$5.1M	7.9%
Fidelity Freedom Index 2060 Fund - Investor Class Mutual fund	Mutual Funds	—	—	$4.1M	6.4%
Fidelity Freedom Index 2035 Investor Class Fund Mutual fund	Mutual Funds	—	—	$4.0M	6.2%
Fidelity 500 Index Fund Mutual fund	Common Collective Trusts	—	—	$3.8M	5.9%
Vanguard Information Technology Index Admiral Mutual fund	Mutual Funds	—	—	$3.2M	4.9%
Fidelity Large Cap Growth Index Fund Mutual fund	Common Collective Trusts	—	—	$2.8M	4.4%
Calvert US Large-Cap Core Responsible Index Fund R6 Mutual fund	Common Collective Trusts	—	—	$2.3M	3.6%
JPMorgan Equity Income Fund Class R6 Mutual fund	Other securities	—	—	$2.2M	3.4%
Fidelity Government Money Market Fund Money market fund	Mutual Funds	—	—	$1.5M	2.3%
Vanguard Balanced Index Fund Admiral Shares Fund Mutual fund	Common Collective Trusts	—	—	$1.2M	1.9%
Fidelity Freedom Index 2030 Investor Class Fund Mutual fund	Mutual Funds	—	—	$1.0M	1.6%
Fidelity Freedom Index 2025 Investor Class Fund Mutual fund	Mutual Funds	—	—	$847K	1.3%
Fidelity Small Cap Index Fund - Premium Class Mutual fund	Common Collective Trusts	—	—	$775K	1.2%
JPMorgan U.S. Equity Fund Class R6 Mutual fund	Other securities	—	—	$762K	1.2%
Fidelity Freedom Index 2065 Investor Class Fund Mutual fund	Mutual Funds	—	—	$688K	1.1%
Fidelity Total Bond Fund Mutual fund	Mutual Funds	—	—	$672K	1.0%
Vanguard Small Cap Value Index Admiral Mutual fund	Mutual Funds	—	—	$668K	1.0%
American Funds EuroPacific Growth Fund Class R-6 Mutual fund	Mutual Funds	—	—	$601K	0.9%
Victory Sycamore Established Value Fund Class R6 Mutual fund	Other securities	—	—	$491K	0.8%
Principal MidCap S&P 400 Index Fund Institutional Class Mutual fund	Common Collective Trusts	—	—	$478K	0.7%
Janus Henderson Enterprise Fund Class I Mutual fund	Mutual Funds	—	—	$469K	0.7%
DFA Emerging Markets Core Equity Portfolio Institutional Class Fund Mutual fund	Mutual Funds	—	—	$425K	0.7%
Vanguard Small-Cap Growth Index Fund Admiral Mutual fund	Common Collective Trusts	—	—	$369K	0.6%
Participant loans 4.25% to 9.50%, various maturities	Bonds / Notes	—	—	$354K	0.5%
Cohen & Steers Institutional Realty Shares Mutual fund	Other securities	—	—	$321K	0.5%
American Funds Small Cap World Fund Class R-6 Mutual fund	Mutual Funds	—	—	$310K	0.5%
Macquarie Small Cap Core Fund Class R6 Mutual fund	Other securities	—	—	$233K	0.4%
American Funds Inflation Linked Bond Fund R6 Mutual fund	Mutual Funds	—	—	$163K	0.3%
Fidelity Freedom Index 2020 Investor Class Fund Mutual fund	Mutual Funds	—	—	$59K	<0.1%
Fidelity Freedom Index 2010 Investor Class Fund Mutual fund 95 * Fidelity Freedom Index 2015 Investor Class Fund Mutual fund	Mutual Funds	—	—	$26K	<0.1%
Fidelity Freedom Index Income Fund Mutual fund	Mutual Funds	—	—	$20K	<0.1%