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Original filing (PDF)20250922151925NAL0007903378001
RIPPLE LABS, INC.
Form 5500
FILING_RECEIVED
RIPPLE LABS 401(K) PLAN
401(k) retirement plan
Active participants
504
Accounts w/ balance
743
Plan assets (EOY)
$65.0M
Net assets (EOY)
$65.0M
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 (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
Helping the score
- Below-peer total fees (10 bps vs 16 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for RIPPLE LABS, INC..
Plan sponsor
Name
RIPPLE LABS, INC.
EIN
46-1128587
Address
600 BATTERY ST. · SAN FRANCISCO, CA · 94111
Phone
(925) 784-6861
Industry
Software Publishers· Information / Tech / Mediasee 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
2025-09-22
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)
Audit & trust (Schedule H)
Auditor
BPM LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| FIDELITY INVESTMENTS INSTITUTIONAL | 04-2647786 | — | RECORDKEEPER | $4K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| WORLD INVESTMENT ADVISORS LLC | 61-1758632 | — | ADVISOR | $40K | — |
Accountant / Auditor
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| BPM LLP | 81-4234542 | — | ACCOUNTANT/AUDITOR | $21K | — |
Investments
34 direct securities· $65.0M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Fidelity Freedom Index 2050 Investor Class Fund Mutual fund | — | — | — | $10.5M | 16.2% | |
| Fidelity Freedom Index 2055 Investor Class Fund Mutual fund | — | — | — | $8.7M | 13.4% | |
| Fidelity Freedom Index 2045 Investor Class Fund Mutual fund | — | — | — | $5.6M | 8.6% | |
| Fidelity Freedom Index 2040 Investor Class Fund Mutual fund | — | — | — | $5.1M | 7.9% | |
| Fidelity Freedom Index 2060 Fund - Investor Class Mutual fund | — | — | — | $4.1M | 6.4% | |
| Fidelity Freedom Index 2035 Investor Class Fund Mutual fund | — | — | — | $4.0M | 6.2% | |
| Fidelity 500 Index Fund Mutual fund | — | — | — | $3.8M | 5.9% | |
| Vanguard Information Technology Index Admiral Mutual fund | — | — | — | $3.2M | 4.9% | |
| Fidelity Large Cap Growth Index Fund Mutual fund | — | — | — | $2.8M | 4.4% | |
| Calvert US Large-Cap Core Responsible Index Fund R6 Mutual fund | — | — | — | $2.3M | 3.6% | |
| JPMorgan Equity Income Fund Class R6 Mutual fund | — | — | — | $2.2M | 3.4% | |
| Fidelity Government Money Market Fund Money market fund | — | — | — | $1.5M | 2.3% | |
| Vanguard Balanced Index Fund Admiral Shares Fund Mutual fund | — | — | — | $1.2M | 1.9% | |
| Fidelity Freedom Index 2030 Investor Class Fund Mutual fund | — | — | — | $1.0M | 1.6% | |
| Fidelity Freedom Index 2025 Investor Class Fund Mutual fund | — | — | — | $847K | 1.3% | |
| Fidelity Small Cap Index Fund - Premium Class Mutual fund | — | — | — | $775K | 1.2% | |
| JPMorgan U.S. Equity Fund Class R6 Mutual fund | — | — | — | $762K | 1.2% | |
| Fidelity Freedom Index 2065 Investor Class Fund Mutual fund | — | — | — | $688K | 1.1% | |
| Fidelity Total Bond Fund Mutual fund | — | — | — | $672K | 1.0% | |
| Vanguard Small Cap Value Index Admiral Mutual fund | — | — | — | $668K | 1.0% | |
| American Funds EuroPacific Growth Fund Class R-6 Mutual fund | — | — | — | $601K | 0.9% | |
| Victory Sycamore Established Value Fund Class R6 Mutual fund | — | — | — | $491K | 0.8% | |
| Principal MidCap S&P 400 Index Fund Institutional Class Mutual fund | — | — | — | $478K | 0.7% | |
| Janus Henderson Enterprise Fund Class I Mutual fund | — | — | — | $469K | 0.7% | |
| DFA Emerging Markets Core Equity Portfolio Institutional Class Fund Mutual fund | — | — | — | $425K | 0.7% | |
| Vanguard Small-Cap Growth Index Fund Admiral Mutual fund | — | — | — | $369K | 0.6% | |
| Participant loans 4.25% to 9.50%, various maturities | — | — | — | $354K | 0.5% | |
| Cohen & Steers Institutional Realty Shares Mutual fund | — | — | — | $321K | 0.5% | |
| American Funds Small Cap World Fund Class R-6 Mutual fund | — | — | — | $310K | 0.5% | |
| Macquarie Small Cap Core Fund Class R6 Mutual fund | — | — | — | $233K | 0.4% | |
| American Funds Inflation Linked Bond Fund R6 Mutual fund | — | — | — | $163K | 0.3% | |
| Fidelity Freedom Index 2020 Investor Class Fund Mutual fund | — | — | — | $59K | <0.1% | |
| Fidelity Freedom Index 2010 Investor Class Fund Mutual fund 95 * Fidelity Freedom Index 2015 Investor Class Fund Mutual fund | — | — | — | $26K | <0.1% | |
| Fidelity Freedom Index Income Fund Mutual fund | — | — | — | $20K | <0.1% |
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