Department of Labor filing

STATE STREET STRATEGIES DBA ONE+ STRATEGIES

STATE STREET STRATEGIES, DBA ONE+ STRATEGIES 401(K) PLAN · For the plan year ended Dec 31, 2025

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Public filing 2025 · received Jul 15, 2026Verified current terms Source dated Dec 31, 2025

Plan summary

What matters most

This plan has a strong employer match and immediate vesting. Reported employer contributions also rank above most comparable plans.

80Excellent plan health
high confidence
100%current benefits covered
7 of 7 fields
See what drives the plan health score
Employer contributions versus peers86/10030% of the full model
Lower reported administrative cost71/10020% of the full model
Active-participant trend50/10010% of the full model
Net-asset trend50/10010% of the full model
Participant-loan burden100/10010% of the full model
Reported compliance signals100/10010% of the full model
Filing completeness100/10010% of the full model

Published only when at least four measures and half of the model weight are available. Missing information is excluded rather than scored as zero.

01 · Employer matchUp to 6%Strong benefit

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 ↓
02 · What it could be worth$6,000 a year

At $100,000 of eligible pay, after contributing 6% to capture the full amount. Annual limits and eligibility rules may reduce it.

03 · VestingImmediate

Employee contributions are immediately vested.

04 · Fees and expensesCurrent terms found

Participant accounts can be charged administrative expenses, including recordkeeping costs, and each investment bears its own management expenses.

05 · Investment choicesReviewed lineup details

The plan offers target-date funds, index funds, a money-market fund, company stock, and a self-directed brokerage account.

06 · Eligibility and waiting periodImmediate

Most employees of participating companies can begin contributing immediately after hire.

07 · Automatic enrollmentAvailable

New eligible employees are automatically enrolled at 3% of pay.

08 · Roth 401(k)Available

Available. Employees may make pre-tax or Roth contributions.

09 · Employer contribution vs. peers86th percentile

Up 0.0% over the filing history shown.

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.

Filing comparison · 202582out of 100 among similar-size plans in the same industry when enough peers exist

How this filing compares

Reported employer contributions86th percentileTypical peer $2,475 · based on 85,770 comparable plans
Lower reported administrative expense71st 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. The comparison used the most specific peer group with enough valid filings.

The short version

What employees should know

For the year ended Dec 31, 2025, STATE STREET STRATEGIES DBA ONE+ STRATEGIES reported $184,168 in employer contributions across this plan, or $7,674 per active participant. This is the best company-wide filing average available—not a promise of what any one employee receives.

People actively participating24

Up 0.0% across the filing years shown. The filing does not report every employee who was eligible.

Employer money over timeUp 0.0%

Change in employer contributions per active participant.

Plan costs over timeUp 0.0%

Change in reported administrative cost per participant. Fund expenses may be separate.

Peer comparison82/100

Compared with similarly sized plans in the same industry.

Money and scale

Contributions, assets, and expenses

These are plan-wide totals. They are not individual account balances.

Employer contributions
$184,168
$7,674 per active participant
Participant contributions
$408,347
Other contributions
$736,223
Amounts not classified as employer or participant contributions
Employer share of contributions
13.9%
Active participants
24
Small plan
Total participants
28
29 at the beginning of the year
Ending assets
$3,676,335
$131,298 per participant
Net-asset change
Up 0.0%
Not the same as investment performance
Beginning net assets
$2,049,252
Ending net assets
$3,676,335
Beginning liabilities
Not reported
Ending liabilities
Not reported
Total income
$1,653,484
Total expenses
$26,401
Administrative expenses
$900
$32 per active participant
Participant loans
$52,285
1.4% 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.

Employer money per active participant
2025
$7,674
Administrative cost per participant
2025
$32
Active participants
2025
24
Total plan assets
2025
$3,676,335
Participant loans as a share of assets
2025
1.4%
Detailed filing history
Plan yearEmployer money per active participantActive participantsPlan assets
2025$7,674243.7M

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
1.4%
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
134352172-001

Reported plan details

Identity and filing status

Plan type
Retirement plan
Employer arrangement
1
Plan effective date
Jan 1, 2013
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 codes2A2E2F2G2J2K2T3D

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 checked
What 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_ID20260715145222NAL0004111616001
Data sourceDOL Form 5500 bulk data ↗
Filing searchEFAST2 ↗