How big is Betterment Holdings, Inc.'s plan?

Betterment Holdings, Inc.'s plan reported $89.4M in assets and 503 participants for 2024.

Original filing (PDF)20250731130144NAL0002593875001

Betterment Holdings, Inc.

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

Form 5500

FILING_RECEIVED

Betterment 401(k) Savings Plan

401(k) retirement plan · Betterment Holdings, Inc.'s Betterment 401(k) Savings Plan held $89.4M in plan assets for 503 participants in 2024.

Signals · 2

26% in single holdingNo recordkeeper disclosed

Active participants

503

Accounts w/ balance

827

Plan assets (EOY)

$89.4M

Net assets (EOY)

$89.3M

People on this filing

William Welter signed Betterment Holdings, Inc.'s 2024 Form 5500 as plan administrator.

William Welter — 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

Betterment Holdings, Inc.'s EIN is 90-0735456.

EIN 90-0735456

Plan number 001

Plan year 2024

ACK ID 20250731130144NAL0002593875001

Official Form 5500 document

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

Download the official 2024 Form 5500 (PDF)

Plan features

Betterment Holdings, Inc.'s plan includes profit-sharing, a 401(k) feature, ERISA 404(c) participant direction, automatic enrollment.

Decision-maker contacts

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

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How this plan invests

This plan

87 securities

funds · stocks · CUSIPs

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

Plan health score

Top-tier plan health

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

100

Total plan cost

Plan health

Vendor & structure

100

Helping the score

Below-peer total plan cost (90th percentile).
High account-holder ratio — balance-holders per active participant in the top 15% of peers (86th percentile).

Plan sponsor

Name

BETTERMENT HOLDINGS, INC

EIN

all filings

Address

450 WEST 33RD STREET · 11TH FLOOR · NEW YORK, NY · 10001

Phone

(212) 228-1328

Industry

Other Services (ex. Public Admin)

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

2025-07-31

Pension benefit codes

2E · Profit-sharing

2J · 401(k) feature

2K · 401(m) arrangement

2F · ERISA section 404(c)

2G · Total participant-directed accounts

2S · Automatic enrollment

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

Audit & trust (Schedule H)

Service providers (Schedule C)

1 rows

TPA / Administrator

Name	EIN	Location	Relation	Direct comp	Indirect comp
DWC ERISA CONSULTANTS, LLC	26-2091417	ST. PAUL, MN	TPA	$5K	—

Investments

87 direct securities· $85.7M(96% of reported assets)

Mutual Funds

$48.7M

22 holdings

Other securities

$23.9M

54 holdings

Common Collective Trusts

$13.0M

3 holdings

U.S. Treasuries

$94K

5 holdings

Bonds / Notes

$478

3 holdings

					% of plan
Vanguard Total Stock Market ETF	Mutual Funds	—	—	$22.6M	25.3%
Vanguard FTSE Developed Markets	Mutual Funds	—	—	$16.9M	18.9%
SPDR Portfolio S&P 500 ETF	Common Collective Trusts	—	—	$12.6M	14.1%
Vanguard FTSE Emerging Markets	Mutual Funds	—	—	$5.7M	6.3%
iShares Core Total US Bond Market ETF	Other securities	—	—	$4.7M	5.2%
SPDR Portfolio S&P 400 Mid Cap	Other securities	—	—	$4.1M	4.6%
SPDR Portfolio S&P 600 Small Cap ETF	Other securities	—	—	$2.7M	3.1%
iShares ESG Aware MSCI USA ETF	Other securities	—	—	$2.2M	2.4%
Vanguard Total International Bond ETF	Mutual Funds	—	—	$1.5M	1.7%
iShares Emerging Markets USD Bond ETF	Other securities	—	—	$1.4M	1.5%
iShares ESG Aware MSCI EAFE ETF	Other securities	—	—	$1.2M	1.4%
iShares MSCI ACWI Low Carbon Target ETF	Other securities	—	—	$1.2M	1.3%
Goldman Sachs ActiveBeta US Large Cap Equity	Other securities	—	—	$1.0M	1.1%
Goldman Sachs JUST U.S. Large Cap Equity ETF	Other securities	—	—	$726K	0.8%
TCW Transform 500 ETF	Other securities	—	—	$499K	0.6%
iShares ESG Aware MSCI EM ETF	Other securities	—	—	$493K	0.6%
Vanguard Value ETF	Mutual Funds	—	—	$487K	0.5%
Goldman Sachs TreasuryAccess 01 Year ETF	Other securities	—	—	$399K	0.4%
SPDR S&P 500 Fossil Fuel Reserves Free ETF	Common Collective Trusts	—	—	$396K	0.4%
iShares ESG Aware MSCI USA Small-Cap ETF	Other securities	—	—	$362K	0.4%
iShares 0-5 Year TIPS Bond ETF	Other securities	—	—	$336K	0.4%
Vanguard U.S. Large-cap Growth Equity ETF	Mutual Funds	—	—	$309K	0.3%
Vanguard Small-Cap Value ETF	Mutual Funds	—	—	$299K	0.3%
Goldman Sachs ActiveBeta International Equity	Other securities	—	—	$256K	0.3%
SPDR S&P Kensho New Economies Composite ETF	Other securities	—	—	$251K	0.3%
Schwab U.S. Broad Market ETF	Mutual Funds	—	—	$245K	0.3%
Invesco QQQ Trust	Mutual Funds	—	—	$221K	0.2%
iShares Trust iShares USD Green Bond ETF	Other securities	—	—	$207K	0.2%
SPDR MSCI EAFE Fossil Fuel Free ETF	Other securities	—	—	$202K	0.2%
Notes receivable from participants	Other securities	—	—	$172K	0.2%
iShares ESG Aware USD Corporate Bond ETF	Other securities	—	—	$165K	0.2%
Vanguard Dividend Appreciation ETF	Mutual Funds	—	—	$155K	0.2%
SPDR MSCI USA Gender Diversity	Other securities	—	—	$151K	0.2%
iShares Core MSCI EAFE ETF	Other securities	—	—	$148K	0.2%
Tidal Trust III	Other securities	—	—	$143K	0.2%
iShares ESG Aware U.S. Aggregate Bond ETF	Other securities	—	—	$133K	0.1%
Goldman Sachs ActiveBeta Europe Equity ETF	Other securities	—	—	$123K	0.1%
JPMorgan Ultra-Short Income	Other securities	—	—	$83K	<0.1%
Goldman Sachs ActiveBeta Emerging Markets Equity	Other securities	—	—	$82K	<0.1%
SPDR MSCI Emerging Markets Fossil Fuel Free ETF	Other securities	—	—	$76K	<0.1%
Vanguard US Total Bond Market ETF	Mutual Funds	—	—	$68K	<0.1%
Goldman Sachs ActiveBeta Japan Equity ETF	Other securities	—	—	$68K	<0.1%
Vanguard Intermediate-Term Government Bond Index Fund	U.S. Treasuries	—	—	$67K	<0.1%
Vanguard Short-Term Inflation-Protected Securities ETF	Mutual Funds	—	—	$61K	<0.1%
Vanguard Large-Cap ETF - DNQ	Mutual Funds	—	—	$61K	<0.1%
GraniteShares Bloomberg Commodity Broad Strategy No K-1 ETF	Other securities	—	—	$61K	<0.1%
Goldman Sachs ActiveBeta US Small Cap Equity ETF	Other securities	—	—	$47K	<0.1%
Academy Veteran Impact ETF	Other securities	—	—	$45K	<0.1%
Xtrackers USD High Yield Corporate Bond	Other securities	—	—	$37K	<0.1%
iShares Core MSCI Emerging Markets ETF	Other securities	—	—	$36K	<0.1%