401(k) · DOL Form 5500 · 2022

Toast, Inc. 401(k) Plan

Data updated 2026-08-25

$124M
Total assets Near avg plan size
2,915
Participants Above avg headcount
94th
Percentile by assets National rank
$42,486
Avg per participant Low balance/head
PlainRetire home → About this data RSS: change history

Official DOL plan name: Toast, Inc. 401(k) Plan · Sponsored by Toast, Inc. · Massachusetts · Professional & Technical Services

$124M in assets, 2,915 participants

Toast, Inc.'s Toast, Inc. 401(k) Plan reported $124M in total assets and 2,915 participants in its 2022 DOL Form 5500 filing, ranking in the 94th percentile by assets among filed plans. Figures are as reported by the plan sponsor to the Department of Labor, not audited or endorsed by PlainRetire.

  • #20,475 in Professional & Technical Services (21,562 peers)

Coverage in Massachusetts

Toast, Inc. 401(k) Plan covers 2,915 participants in Massachusetts, 4.4x the typical Massachusetts plan (state average ~659 per filing). Assets: $124M.

#20,475
in Professional & Technical Services (21,562 peers)
+43.9%
assets growth YoY
1.2×
vs typical plan assets (national mean)

Toast, Inc. 401(k) Plan's outsized position by total assets

Toast, Inc. 401(k) Plan vs every filed plan by assets

End-of-year total assets · plan year 2022 · DOL Form 5500

$123,847,842 Top 6% higher than 94% of 139,123 filed plans

This plan $0 $2,050,000,000 every filed plan with reported assets, bucketed by value

Dashed line + filled bar = this entry, among filed plans.

Source U.S. Department of Labor Form 5500 filings (EBSA) · plan year 2022

Toast, Inc. 401(k) Plan's large-plan peer group by participant headcount

Plan-year 2022 Form 5500 filings with a reported participant count, partitioned by headcount band, not by assets. Toast, Inc. 401(k) Plan lands in the large band (2,915 participants).

Published 5500 schedule card

Filing strip 454168768 · Toast, Inc. PY 2022 · 401(k)

Toast, Inc. 401(k) Plan · $124M · 2,915 · 94th

  • RANK $124M
  • PHOTO 2,915
  • IND 94th
  • EOY 401(k)
  • 5500 near Fort Wayne Metals Research Products, LLC Retirement Savings Plan
  • ASSETS ind #20475

Stamps derive from this plan's Form 5500 line items (assets, participants, type, EIN, cohort placement) - not a quality rating of the sponsor. Read with Professional & Technical Services retirement plans → · Plans in Massachusetts →

Toast, Inc. 401(k) Plan in the asset neighbourhood

Canon Business Process Services Retirement and Investment PlanCanon Business Process Servi…$124MUnifrax I LLC Savings Plan$124MToast, Inc. 401(k) Plan$124MFort Wayne Metals Research Products, LLC Retirement Savings PlanFort Wayne Metals Research P…$124MTricorbraun 401(k) Plan$124M
End-of-year total assets ($M) among Toast, Inc. 401(k) Plan and nearest nationwide 401(k) peers. Source: DOL Form 5500 plan year 2022.

Massachusetts filing particulars

Total Assets (Beginning of Year)$86M
Net Assets (End of Year)$124M
Net Income$38M
Employer EIN454168768
Plan Effective Date2015-01-01
Filing StatusFILING RECEIVED

Sponsor Plan History (Toast, Inc.)

Sponsor-wide plan assets over time

All Toast, Inc. plans reported in each filing year

Latest sponsor-wide plan assets
$323M 160.96862147989629% vs 2022
2024 filing year
$100M$200M$300M$400M 202220232024 $124M $323M ▲ +161.0%
Year Plans Participants Total Assets
2022 1 2,915 $124M
2023 1 4,009 $227M
2024 1 4,696 $323M

Nearby 401(k) Plans in Massachusetts

Peer 401(k) plans, same state, same plan type, ranked by total assets.

Toast, Inc. 401(k) Plan vs. nearby 401(k) plans in Massachusetts, assets vs. participants Scatter plot of 6 data points. 0200004000060000 -100102030 Total assets ($B) Participants Toast, Inc. 401(k) Plan, Total assets ($B): 0.123847842 · Participants: 2915Toast, Inc. 401(k) PlanFidelity Retirement Savings Plan, Total assets ($B): 22.953563448 · Participants: 52036Fidelity Retirement Savings PlanLiberty Mutual 401(k) Plan, Total assets ($B): 8.79802945 · Participants: 32843Liberty Mutual 401(k) PlanMassachusetts Institute of Technology Supplemental 401(k) Plan, Total assets ($B): 5.810585521 · Participants: 13690Massachusetts Institute of Technology Supplemental 401(k) PlanPhilips North America 401(k) Plan, Total assets ($B): 5.180251859 · Participants: 19750Philips North America 401(k) PlanBoston Scientific Corporation 401(k) Retirement Savings Plan, Total assets ($B): 4.853752256 · Participants: 18359Boston Scientific Corporation 401(k) Retirement Savings Plan
Toast, Inc. 401(k) Plan vs. nearby 401(k) plans in Massachusetts, assets vs. participants
Compare Toast, Inc. 401(k) Plan side-by-side with 3 peers →

Toast, Inc. 401(k) Plan's out-of-state 401(k) peers by assets and headcount

Outside Massachusetts, the nearest 401(k) by assets is Fort Wayne Metals Research Products, LLC Retirement Savings Plan in IN ($124M); by covered participants it is Citadel Retirement Savings Plan in FL (2,914 participants). Same-state nearby plans are listed separately above.

Closest by plan assets

Nearest other-state filings by tot_assets_eoy ($124M here).

Similar participant headcount

Nearest other-state filings by covered participants (2,915 participants); asset peers above are excluded.

DOL Form 5500 plan year 2022. Asset totals can differ widely at the same headcount; neither axis is a quality rating.

Frequently Asked Questions

How did Toast, Inc. 401(k) Plan assets move in 2022? ▼
Toast, Inc. 401(k) Plan surged - up 43.9% during 2022, from $86M to $124M. Reported net income was $38M.
How have Toast, Inc. plan assets changed over time? ▼
Across 3 plan years on file (2022-2024), Toast, Inc.'s sponsor-wide assets grew 161.0%, from $124M to $323M.
Where does Toast, Inc. 401(k) Plan rank by assets among Form 5500 filers? ▼
Toast, Inc. 401(k) Plan ranks in the 94th percentile by end-of-year assets among 139,126 plans that reported assets for plan year 2022 (in the top 10% of all filed plans by assets).
Which 401(k) plans are similar in size to Toast, Inc. 401(k) Plan? ▼
Among 401(k) plans in other states, the closest by assets is Fort Wayne Metals Research Products, LLC Retirement Savings Plan in IN ($124M, 1,165 participants).
Which 401(k) plans cover a similar participant headcount to Toast, Inc. 401(k) Plan? ▼
Among 401(k) plans in other states, the closest by covered participants is Citadel Retirement Savings Plan in FL (2,914 participants, $747M in assets).

Source: U.S. Department of Labor, Employee Benefits Security Administration (EBSA), Form 5500 public disclosure dataset. Plan year 2022.

Source: DOL EFAST2 filing system (efast.dol.gov) - original filing retrieval by EIN 454168768.

Read our methodology - how this data is sourced, computed, and verified.

Data sourced from U.S. Department of Labor Form 5500 filings (EBSA). See our methodology for details.