Department of Labor filing
Spot something wrong?STATE STREET ADVISORS
STATE STREET ADVISORS 401(K) PROFIT SHARING PLAN · For the plan year ended Dec 31, 2025
Public filing 2025 · received Jun 2, 2026Verified current terms Source dated Dec 31, 2025
Plan summary
What matters most
This plan has a strong employer match and immediate vesting. Peer filing context is shown below.
86Excellent benefit quality
high confidence
high confidence
67Strong plan health
medium confidence
medium confidence
100%terms documented
7 of 7 fields
7 of 7 fields
See what drives the plan health score
Published only when at least four measures and half of the model weight are available. Missing information is excluded rather than scored as zero.
See what drives the benefit quality score
This separate score uses reviewed current terms only. It requires the employer contribution plus at least three other documented benefit measures. Missing terms are excluded, not treated as poor benefits.
State Street matches employee contributions dollar for dollar up to 6% of eligible pay after one year of service—a maximum match equal to 6% of pay.
See reviewed source ↓At $100,000 of eligible pay, after contributing 6% to capture the full amount. Annual limits and eligibility rules may reduce it.
Employee contributions are immediately vested.
Participant accounts can be charged administrative expenses, including recordkeeping costs, and each investment bears its own management expenses.
The plan offers target-date funds, index funds, a money-market fund, company stock, and a self-directed brokerage account.
Most employees of participating companies can begin contributing immediately after hire.
New eligible employees are automatically enrolled at 3% of pay.
Available. Employees may make pre-tax or Roth contributions.
Not reported per active participant in 2025.
Participation up 0.0% · assets up 0.0% · loans 2.2% of assets
How the score works →What this tells you: company-wide scale, reported employer support, participation activity, visible administrative cost, and historical direction.
Keep in mind: public filings do not show employee investment returns. Scores use only available measures; missing information lowers confidence, never the score. Reviewed current terms appear below.
Personalized estimate
What could STATE STREET ADVISORS's contribution mean for you?
This uses the reviewed employer formula shown on this profile—not the plan-wide Form 5500 contribution average.
Estimated employer money$5,100/year
- Your annual contribution
- $5,100
- Possible maximum
- $5,100
- Potentially unclaimed
- $0
Contributing about 6% of eligible pay captures the documented maximum under this simplified estimate.
Vesting: Employee contributions are immediately vested. Once eligible for the match, employees are also immediately vested in State Street's matching contributions.
Estimate only. Compensation limits, eligibility, true-ups, contribution timing, employee groups, and plan amendments can change the result. Confirm the current formula in your plan documents.
Filing comparison · 2025—There is not enough comparable filing data to calculate this yet.
How this filing compares
Reported employer contributionsNot enough dataTypical peer $2,475 · based on 85,770 comparable plans
Lower reported administrative expense58th percentileTypical peer $102 · based on 77,997 comparable plans
This comparison uses historical filing figures. It does not compare current match formulas, vesting, investments, or employee fees.
Peer-group method: industry size. Limitations: employer_contribution_measure_unavailable
The short version
What employees should know
For the year ended Dec 31, 2025, STATE STREET ADVISORS reported Not reported in employer contributions across this plan, or Not reported per active participant. This is the best company-wide filing average available—not a promise of what any one employee receives.
Up 0.0% across the filing years shown. The filing does not report every employee who was eligible.
Change in employer contributions per active participant.
Change in reported administrative cost per participant. Fund expenses may be separate.
A fair peer score is not available yet.
Money and scale
Contributions, assets, and expenses
These are plan-wide totals. They are not individual account balances.
- Employer contributions
- Not reported Not reported per active participant
- Participant contributions
- Not reported
- Other contributions
- Not reported Amounts not classified as employer or participant contributions
- Employer share of contributions
- Not reported
- Active participants
- 5 Small plan
- Total participants
- 7 7 at the beginning of the year
- Ending assets
- $1,245,516 $177,931 per participant
- Net-asset change
- Up 0.0% Not the same as investment performance
- Beginning net assets
- $3,580,613
- Ending net assets
- $1,245,516
- Beginning liabilities
- Not reported
- Ending liabilities
- Not reported
- Total income
- $172,275
- Total expenses
- $2,507,372
- Administrative expenses
- $455 $65 per active participant
- Participant loans
- $27,885 2.2% of plan assets
Three-year filing history
How the reported figures changed
Each chart uses the selected public filing for that year. Missing values remain blank rather than becoming zero.
2025
Not reported
2025
$65
2025
5
2025
$1,245,516
2025
2.2%
| Plan year | Employer money per active participant | Active participants | Plan assets |
|---|---|---|---|
| 2025 | Not reported | 5 | 1.2M |
Changes in plan assets are not the same as investment performance.
Plan health
Operational signals worth checking
- Participant loans as a share of plan assets
- 2.2%
- Independent accountant’s opinion
- Not stated in the filing
- Late participant contributions reported
- Not reportedA “yes” needs context and is not, by itself, proof of wrongdoing.
- Loan defaults reported
- Not reported
- Lease defaults reported
- Not reportedOnly a small number of filings report these events.
- Nonexempt transactions reported
- Not reported
- Public plan identifier
- 421567218-001
Reported plan details
Identity and filing status
- Plan type
- Retirement plan
- Employer arrangement
- 1
- Plan effective date
- Jan 1, 2003
- Industry
- Professional, scientific, and technical services
- Amended filing
- No
- Final filing for this plan
- No
- Short plan year
- No
- 401(k) feature reported
- Yes
Show DOL characteristic codes
2A2E2F2G2J2K2T3D
Company filings
What the company has told the SEC about this plan
We found these passages in official company filings. They may help explain the plan, but we do not treat them as current benefits until the wording and date have been checked.
11-K · report period Dec 31, 2025STATE STREET CORP — 11-K filed 2026-06-23 ↗
Official filing · details not yet checkedWhat it says about employer contributions
percentage. Participants who are or will have attained age 50 prior to the end of the calendar year are eligible to elect to make catch-up contributions. State Street provides for matching contributions to the Plan in amounts equal to 100 % of the first 6 % of the employee’s contributions. Employees must have one year of service to be eligible to receive matching contributions. They are immediately 100 % vested in matching contributions once eligible. All contributions to the Plan are paid to the Trustee. The Trustee holds contributions in trust exclusively for participants and their beneficiaries, invests the contributions as instructed by the participants, and makes benefit payments as they become due. 8 State Street Salary Savings Program Notes to Financial Statements December 31, 2025
What it says about vesting
titled is the value of the participant’s vested account balance, including earnings. Vesting Participant pre-tax deferral contributions and Roth after-tax contributions are always fully vested upon contribution. Employees are immediately vested in the matching contributions. Forfeitures and Unclaimed Balances Generally, participants' balances are fully vested upon contribution. However, in the event forfeitures occur from unvested account balances such as pursuant to the terms of a 401(k) plan merger in an acquisition, the unvested portion of a participant's account balance will be transferred to the Forfeiture account. At times, certain distributions are unclaimed, generally due to a check not being cashed or returned. After time has passed and attempts have been made to contact the parti
What it says about automatic enrollment
limitations. Participants may also contribute amounts representing rollover distributions from other qualified defined benefit or defined contribution plans. The Plan includes an auto-enrollment provision whereby all new eligible employees are automatically enrolled in the Plan, invested in the Qualified Default Investment Alternative ("QDIA"), unless they affirmatively elect to participate at a different rate or elect not to participate. Automatically enrolled participants have their deferral rate set at 3 % of eligible compensation. The Plan also includes an auto-escalation provision whereby participants' contributions automatically increase by 1 % annually up to the maximum of 30 %, or the participant opts out or chooses a different percentage. Participants who are or will have attaine
What it says about fees
8 Notes receivable - participant loans 45,876,094 44,378,324 Interest / dividends receivable 1,049,976 1,126,821 Total assets at fair value 7,446,739,992 6,532,301,643 Liabilities Administrative expenses payable 334,160 683,841 Net assets available for benefits $ 7,446,405,832 $ 6,531,617,802 See accompanying notes to financial statements. 6 State Street Salary Savings Program Statements of Changes in Net Assets Available for Benefits Years Ended December 31, 2025 2024 Additions Contributions: Participants $ 167,111,802 $ 163,121,552 Employer 99,237,624 98,806,837 Rollovers 29,022,844 28,248,837 Total contributions 295,372,270 290,177,226 Interest income on notes receivable from participants 3,420,848 2,994,127 Net appreciation in fair value of investments 1,100,827,462 922,435,947 Interes
Verified plan terms
What dated primary sources say
These terms come from reviewed official sources. Blank items remain unknown rather than inferred.
- Employer contribution
- State Street matches employee contributions dollar for dollar up to 6% of eligible pay after one year of service—a maximum match equal to 6% of pay.
- Eligibility
- Most employees of participating companies can begin contributing immediately after hire. Employees become eligible for State Street's match after one year of service; specified interns, contractors, union employees, and people outside the U.S. payroll are excluded.
- Vesting
- Employee contributions are immediately vested. Once eligible for the match, employees are also immediately vested in State Street's matching contributions.
- Investment information
- The plan offers target-date funds, index funds, a money-market fund, company stock, and a self-directed brokerage account. Employees who make no investment choice default into the target-date fund aligned with their expected retirement year.
- Automatic enrollment
- New eligible employees are automatically enrolled at 3% of pay. Their contribution rate rises by 1 percentage point annually up to 30%, unless they opt out or choose another rate.
- Roth contributions
- Available. Employees may make pre-tax or Roth contributions.
- Participant fees
- Participant accounts can be charged administrative expenses, including recordkeeping costs, and each investment bears its own management expenses. State Street pays administrative costs that the plan does not cover.
Source: State Street Salary Savings Program — 2025 Form 11-K ↗ · dated Dec 31, 2025
Filing evidence
Open the selected public records
We use the latest valid received filing for each year after resolving amendments and duplicate records. Open the source to check the original filing.
Filing ACK_ID20260602153358NAL0000998835001
Data sourceDOL Form 5500 bulk data ↗
Filing searchEFAST2 ↗