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Original filing (PDF)20251007104345NAL0002591555001
KARAT, INC.
Form 5500
FILING_RECEIVED
KARAT 401(K) PLAN
401(k) retirement plan
Signals · 1
31% in single holding
Active participants
89
Accounts w/ balance
234
Plan assets (EOY)
$11.4M
Net assets (EOY)
$11.4M
How this plan invests
This plan
1 pooled trust
Schedule D
45 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
97
/ 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
85
Total plan cost
100
Vendor stack
100
Participation health
100
Knocking points off
- Top holding "Vangrd Tot St Mkt Indx Fd Adm Pooled Separate Account" is 31% of plan.
Helping the score
- Below-peer total fees (2 bps vs 29 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for KARAT, INC..
Plan sponsor
Name
KARAT, INC.
EIN
46-5602536
Address
1414 NE 42ND STREET · SEATTLE, WA · 98105
Phone
(509) 761-9141
Industry
All Other Professional Services· 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
2025-10-07
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
BAKER TILLY US, LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsBroker
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CIRA (CAMBRIDGE INVESTMENT RESEARCH | 42-1445429 | — | BROKER/DEALER | $0 | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| VOYA RETIREMENT INSURANCE & ANNUITY | 71-0294708 | — | SERVICE PROVIDER | $2K | — |
Investments
42 direct securities · 1 pooled fund· $22.8M(100% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Their holdings are itemized on each fund’s own Form 5500.
Uncategorized
$11.4M
42 holdings
Pooled Separate Account
$11.4M
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| VARIABLE ANNUITY ACCOUNT D VOYA RETIREMENT INSURANCE & ANNUITY CO · EIN 71-0294708 / PN 000 | Pooled Separate Account | — | — | $11.4M | 99.3% | |
| Vangrd Tot St Mkt Indx Fd Adm Pooled Separate Account | — | — | — | $5.0M | 44.1% | |
| Vangrd Dev Mkts Index Fd Adm Pooled Separate Account | — | — | — | $1.6M | 14.0% | |
| Vangrd Tot Bd Mkt Ind Fd Adm Pooled Separate Account | — | — | — | $1.1M | 9.7% | |
| Vangrd Em Mkts Stk Ind Fd Adm Pooled Separate Account | — | — | — | $893K | 7.8% | |
| Vangrd Info Tech Indx Fd Adm Pooled Separate Account | — | — | — | $570K | 5.0% | |
| Vangrd 500 Index Fund Adm Pooled Separate Account | — | — | — | $541K | 4.7% | |
| Vanguard Real Estate Indx Adm Pooled Separate Account | — | — | — | $421K | 3.7% | |
| Vangrd Tot Int Bnd In F Adm Pooled Separate Account | — | — | — | $354K | 3.1% | |
| Vangrd Growth Index Fund Adm Pooled Separate Account | — | — | — | $184K | 1.6% | |
| Vangrd Tot Int Stk In F Adm Pooled Separate Account | — | — | — | $94K | 0.8% | |
| Voya Fixed Account (4450) Ins Co General Account | — | — | — | $74K | 0.6% | |
| Voya Index Solution 2055 P Z Pooled Separate Account | — | — | — | $65K | 0.6% | |
| Vangrd Sm-Cap Vl Index Fnd Adm Pooled Separate Account | — | — | — | $64K | 0.6% | |
| Vangrd Mid-Cap Index Fund Adm Pooled Separate Account | — | — | — | $56K | 0.5% | |
| Vangrd Value Index Fund Adm Pooled Separate Account | — | — | — | $54K | 0.5% | |
| DFA Large Cap Intl Port Ins Pooled Separate Account | — | — | — | $54K | 0.5% | |
| Voya Index Solution 2040 P Z Pooled Separate Account | — | — | — | $36K | 0.3% | |
| Vangrd Strat SmCp Eqty Fd Inv Pooled Separate Account | — | — | — | $27K | 0.2% | |
| Vangrd Ext Mkt Index Fnd Adm Pooled Separate Account | — | — | — | $24K | 0.2% | |
| Vangrd Equity Income Fund Adm Pooled Separate Account | — | — | — | $22K | 0.2% | |
| Voya Index Solution 2035 P Z Pooled Separate Account | — | — | — | $17K | 0.1% | |
| Voya Index Solution 2050 P Z Pooled Separate Account | — | — | — | $17K | 0.1% | |
| Vangrd Mid-Cap Vl Indx Fnd Adm Pooled Separate Account | — | — | — | $16K | 0.1% | |
| Vangrd ShtTrmInfProtSecIndAdm Pooled Separate Account | — | — | — | $15K | 0.1% | |
| Voya Index Solution 2065 P Z Pooled Separate Account | — | — | — | $13K | 0.1% | |
| Vangrd Financials Index Fd Adm Pooled Separate Account | — | — | — | $10K | <0.1% | |
| Vangrd St-Trm Inv-Grd Fnd Adm Pooled Separate Account | — | — | — | $9K | <0.1% | |
| maturing through March 2028 | — | — | — | $8K | <0.1% | |
| LOAN FUND Participant Loans - Rates 4.25% to 9.50% | — | — | — | $8K | <0.1% | |
| Vangrd Tx-Mngd Sm Cp Fd Adm Pooled Separate Account | — | — | — | $7K | <0.1% | |
| DFA Global Real Est Sec Pt Ins Pooled Separate Account | — | — | — | $7K | <0.1% | |
| Vangrd Industrials Indx Fd Adm Pooled Separate Account | — | — | — | $6K | <0.1% | |
| Vangrd Comm Srv Ind Fnd Adm Registered Investment Company | — | — | — | $6K | <0.1% | |
| Vanguard LT Treas Indx-Adm Pooled Separate Account | — | — | — | $5K | <0.1% | |
| American Funds Growth Fnd R6 Pooled Separate Account | — | — | — | $5K | <0.1% | |
| DFA Intrm-Tm Extnd Qual Pt Ins Pooled Separate Account | — | — | — | $4K | <0.1% | |
| Voya Gv Mny Mkt F A (Hld Acct) Pooled Separate Account | — | — | — | $4K | <0.1% | |
| DFA Real Estate Secs Port Ins Pooled Separate Account | — | — | — | $4K | <0.1% | |
| Vangrd Energy Index Fund Adm Pooled Separate Account | — | — | — | $4K | <0.1% | |
| Vangrd Utilities Ind Fnd Adm Pooled Separate Account | — | — | — | $2K | <0.1% | |
| Vangrd Infl-Prt Secs Fund Adm Pooled Separate Account | — | — | — | $2K | <0.1% | |
| DFA Wld exUS Gov Fxd Inc P Ins Pooled Separate Account | — | — | — | $1K | <0.1% |
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