State Street 401(k) Plan
Hackensack, New Jersey
State Street 401K plan details: employer match info, participant login access, withdrawal options, and full plan review. 2026 data with contacts,.
Plan Analysis
State Street, in the Ambulatory Healthcare sector and headquartered in New Jersey, manages a 401(k) program with $23.0M in total plan assets across 226 active participants, established 14 years ago. The plan saw strong asset growth of 16.4% year-over-year, significantly outpacing the typical 401(k) plan. At $102K per participant, the average balance exceeds the national median, indicating competitive plan features and engaged savers. The employer contributed an average of $2,099 per active participant, equivalent to 9% of the 2026 employee deferral limit. Participants contributed an average of $4,481 each through employee deferrals. State Street sponsors 15 retirement plans, providing employees with diverse savings options.
Use our 401(k) calculator to see how your contributions could grow, or review the 2026 IRS limits.
State Street 401(k) Data Insights
Key observations from the most recent Form 5500 filing
- Higher expenses: Plan expenses of $798K represent 3.5% of assets, above the industry average. Participants should review fund expense ratios within their accounts.
- Strong returns: The plan generated $4.5M in investment income (19.5% of assets), reflecting favorable market conditions and investment selection during the filing year.
- Growth opportunity: Average contributions of $4,481 per year (18% of the $24,500 limit) suggest room to increase savings. Auto-escalation features can help participants gradually reach higher contribution rates.
- Low loan usage: Participant loans of $59K represent just 0.3% of plan assets - well below the industry average, suggesting strong employee financial wellness.
How State Street Compares
Comparison against 284 employer 401(k) plans in our database
| Metric | State Street | Database Median | Comparison |
|---|---|---|---|
| Avg. Balance per Participant | $102K | $140K | ▼ 27% below median |
| Employer Contribution per Participant | $2K | $3K | ▼ 39% below median |
| YoY Asset Growth | 16.4% | 12.9% | ▲ Above median |
| Total Assets vs. Ambulatory Healthcare Sector | $23.0M | $4.4B | ▼ 99% below sector median |
State Street 401(k) Employer Match
Employer contributions of $2,099 per participant annually (may include profit sharing or non-elective contributions)
Use our employer match calculator to see how much free money you could earn.
State Street 401(k) Plan Features
Plan features derived from DOL Form 5500 filing data
| Feature | Details |
|---|---|
| Employer Match | Employer contributions of $2,099 per participant annually (may include profit sharing or non-elective contributions) |
| 401(k) Loans | Available - up to 5 years |
| Plan History | Established 2010 - 14 years of retirement benefits |
How to Maximize Your State Street 401(k)
Consider increasing your contribution rate annually - even 1% more per year adds up significantly over time
Use 401(k) loans only as a last resort - they reduce your retirement savings growth
Use our 401(k) calculator to project your retirement savings and find the right contribution rate
Use our 401(k) calculator to project your savings growth, or check how much free match money you could earn.
Contact Information
Plan Sponsor
STATE STREET SMILES - PEDIATRIC DENTISTRY, LLC
405 MAIN STREET, HACKENSACK, NJ 07601
Filing Information
EIN: 26-4078044
Plan Effective Date: 2010-01-01
Source: DOL Form 5500 (Latest Filings)
State Street 401(k) Withdrawals
| Option | Details |
|---|---|
| Age 59½+ Withdrawals | Penalty-free withdrawals available after age 59½ |
| Rule of 55 | Penalty-free if you leave State Street at age 55+ |
| Hardship Withdrawals | Check with plan administrator |
| 401(k) Loans | Available - up to lesser of $50,000 or 50% of vested balance (5-year term) |
| Rollover | Roll over to new employer plan or IRA when leaving State Street |
| Total Distributions (Latest Filing) | $747K paid to departing/retired participants |
| Outstanding Loans | $59K in active participant loans |
2026 Contribution Limits for State Street 401(k)
See the full breakdown in our 2026 contribution limits guide, including rules for catch-up contributions (50+) and super catch-up (60-63).
| Category | Limit | Details |
|---|---|---|
| Employee Deferral | $24,500 | Standard elective deferral limit for all participants |
| Catch-Up (Age 50+) | +$8,000 | Additional contributions for participants age 50 and over (total: $32,500) |
| Super Catch-Up (Age 60-63) | +$11,250 | SECURE 2.0 enhanced catch-up for ages 60-63 (total: $35,750) |
| Total Annual Additions (415 Limit) | $72,000 | Maximum combined employee + employer contributions |
| Compensation Cap | $350,000 | Maximum compensation considered for contributions |
| State Street Avg. Employee Deferral | $4,481 | 18% of the $24,500 limit (based on latest Form 5500 filing) |
| State Street Avg. Employer Contribution | $2,099 | Employer contributes $474K total across 226 participants |
State Street 401(k) Plan Details
Data from DOL Form 5500 (Latest Filings)
| Plan Name | Active Participants | Total Assets | Employer Contributions | Participant Contributions | 401(k) |
|---|---|---|---|---|---|
| STATE STREET SMILES - PEDIATRIC DENTISTRY, LLC 401(K) PLAN | 16 | $5.8M | $124K | $60K | Yes |
| STATE STREET DISCOUNT INC 401(K) RETIREMENT PLAN | 25 | $4.3M | $12K | $90K | Yes |
| STATE STREET BRATHAUS 401(K) PROFIT SHARING PLAN | 10 | $3.6M | $29K | $54K | Yes |
| STATE STREET ADVISORS 401(K) PROFIT SHARING PLAN | 5 | $3.6M | $4K | $784 | Yes |
| STATE STREET STRATEGIES, DBA ONE+ STRATEGIES 401(K) PLAN | 21 | $2.0M | $153K | $325K | Yes |
| STATE STREET PRODUCE, INC. RETIREMENT PLAN | 7 | $1.4M | $42K | $92K | Yes |
| STATE STREET GRILL, LTD. EMPLOYEES SAVINGS TRUST | 91 | $1.2M | $15K | $136K | Yes |
| STATE STREET DENTAL 401(K) PLAN | 7 | $448K | $17K | $51K | Yes |
| 400 EAST STATE STREET INC, DBA PARFITT, COOLEY & ASSOCIATES 401(K) PLA | 10 | $221K | $27K | $76K | Yes |
| STATE STREET BEHAVIORAL SERVICES 401(K) PLAN | 7 | $217K | $26K | $56K | Yes |
| STATE STREET NETWORKS LLC | 4 | $82K | $5K | $28K | Yes |
| STATE STREET PHARMACY & WELLNE 401(K) PROFIT SHARING PLAN & TRUST | 9 | $45K | $10K | $21K | Yes |
| STATE STREET PHARMACY & WELLNE 401(K) PROFIT SHARING PLAN & TRUST | 9 | $45K | $10K | $21K | Yes |
| 804 STATE STREET LLC 401(K) PROFIT SHARING PLAN & TRUST | 5 | $30K | $1K | $2K | Yes |
| STATE STREET DENTAL 401(K) PLAN | 0 | $0 | N/A | N/A | Yes |
Plan Type Details
Primary Plan: STATE STREET SMILES - PEDIATRIC DENTISTRY, LLC 401(K) PLAN
Plan Types: DB (Fixed); DC (401(k)); DB (Other); DC (Other); Custodial 403(b)(7)
Funded By:
Financial Summary
| Metric | Amount |
|---|---|
| Total Assets (Beginning of Year) | $19,779,379 |
| Total Assets (End of Year) | $23,020,879 |
| Employer Contributions | $474,425 |
| Participant Contributions | $1,012,669 |
| Total Distributions | $747,211 |
| Total Income (Gains/Losses) | $4,492,489 |
| Total Expenses | $797,875 |
| Outstanding Participant Loans | $59,192 |
Participant Breakdown
Plan Review & Rating
Editorial rating based on DOL Form 5500 data
Ratings are based on publicly available plan data, participant feedback, and industry benchmarks. Individual experience may vary. This is not financial advice. Data sourced from DOL Form 5500 filings.
People Also Ask About State Street 401(k)
The State Street 401(k) match is Employer contributions of $2,099 per participant annually (may include profit sharing or non-elective contributions). Compared to the average Fortune 500 match of 4-6% of salary, State Street's % maximum is below average. However, your own contributions are always fully vested, and the plan offers other advantages like mega backdoor Roth access. Always contribute at least enough to get the full match - it's free money.
Vesting schedules determine when employer match contributions fully belong to you. Common schedules include immediate vesting, 3-year cliff vesting, or 6-year graded vesting. At State Street, with $474K in annual employer contributions across the plan, understanding your vesting timeline matters before considering a job change. Contact State Street HR for the exact vesting schedule.
Withdrawals from your State Street 401(k) are generally available after age 59½, upon separation from service, disability, or financial hardship. The plan processed $747K in distributions during the last filing year. Early withdrawals before age 59½ may be subject to a 10% penalty plus income taxes. The Rule of 55 allows penalty-free withdrawals if you leave State Street at age 55 or older.
Yes, you can roll over your State Street 401(k) to a Traditional IRA (for pre-tax funds) or Roth IRA (for Roth 401(k) funds). With an average balance of $102K per participant, a direct rollover avoids the mandatory 20% withholding that applies to indirect rollovers. Contact your plan administrator or the receiving IRA custodian to initiate the transfer.
Many Fortune 500 companies, including State Street, have auto-enrollment features. With 226 active participants and $1.0M in annual employee deferrals, the plan demonstrates strong participation. Auto-enrollment typically starts at 3-6% of salary with annual escalation. You can opt out or change your contribution rate at any time through the plan provider portal.
Frequently Asked Questions
State Street offers an employer match of Employer contributions of $2,099 per participant annually (may include profit sharing or non-elective contributions). Use our employer match calculator to see how much free money you could earn.
You can access your State Street 401(k) account through the plan provider's participant portal. The plan serves 226 active participants. If you're a current or former employee, use the login link above or contact the plan administrator at the phone number listed on this page. First-time users will need to register using their Social Security number and date of birth.
For 2026, State Street 401(k) participants can contribute up to $24,500 in employee deferrals. Participants aged 50+ can contribute an additional $8,000 in catch-up contributions (total $32,500). Those aged 60-63 can make super catch-up contributions of $11,250 (total $35,750). Currently, State Street participants contribute an average of $4,481 per year in employee deferrals. Employer contributions are separate from these limits.
Many State Street 401(k) plans offer loan provisions. As of the latest filing, State Street participants had $59K in outstanding loans (averaging $262 across participants with active loans). The IRS limits 401(k) loans to the lesser of $50,000 or 50% of your vested balance. With an average account balance of $102K in the State Street plan, the maximum potential loan amount for a fully vested participant would vary accordingly. Check with your plan administrator for specific loan terms, or see our withdrawal rules guide.
When you leave State Street, you have several options for your 401(k): keep it in the plan (if the balance is over $7,000), roll it over to a new employer's plan, roll it to an IRA, or take a cash distribution (subject to taxes and potential penalties). In the most recent filing year, the plan processed $747K in distributions to departing or retired participants. Employer match contributions may be subject to a vesting schedule.
According to the most recent Form 5500 filing, the State Street 401(k) plan has 226 active participants managing $23.0M in plan assets. The average account balance is $102K per participant.
Many major employers, including State Street, offer both traditional pre-tax and Roth after-tax 401(k) contribution options. Given that State Street participants average $4,481 in annual deferrals, choosing between Roth and traditional depends on whether you expect your tax bracket to be higher or lower in retirement. Contact the State Street plan administrator for availability.
The State Street 401(k) plan typically offers a range of investment options including target-date funds, index funds, actively managed funds, and potentially company stock. The plan generated $4.5M in total investment income during the last filing year. Use our 401(k) calculator to project growth, or log into your account to see current options.
For 2026, State Street matches Employer contributions of $2,099 per participant annually (may include profit sharing or non-elective contributions). The 2026 employee deferral limit is $24,500 ($32,500 if 50+, $35,750 if 60-63). Use our match calculator to estimate your free money.
401(k) Guides & Tools
Learn more about managing your State Street 401(k)
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Disclaimer: Information on this page is sourced from public DOL Form 5500 filings and is provided for educational purposes only. This is not financial, tax, or investment advice. Plan details may have changed since the last filing. Always consult your plan administrator, HR department, or a qualified financial advisor for the most current information about your 401(k) plan. 401K.is is not affiliated with State Street or their plan providers.
Last updated: March 2026 | Data source: DOL Form 5500 (Latest Filings) | Filed: 2025-09-09