Ebay Inc. 401(k) Review & Grade
Ebay Inc. 401(k) Savings Plan
San Jose, CARetail Trade7,328 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$6,624Employer $ per active participant
$14,140Employee $ saved per active participant
0.01%Direct admin cost, % of plan assets
$2.0BNet plan assets, end of year
$160,098Average balance per account
Score breakdown
- Employer generosity49.5 / 5099th percentile for employer $ per participant
- Low cost24.1 / 2596th percentile for low admin cost vs. same-size plans
- Employee saving15.0 / 15100th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score89 / 100 · Grade A
This plan vs. peers
Peers: Retail Trade plans with 2,500–9,999 active participants (183 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 99th |
| Lower admin cost | 96th |
| Employee saving | 100th |
| Peers that auto-enroll | 42% |
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Red flags from the filing
Corrective distributions: the plan refunded $99,910 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Ebay put in about $6,624 per active participant, more than the typical peer ($650). Contribute at least enough to collect the full match. Skipping it leaves part of your pay on the table.
- The filing shows total dollars, not the match formula. Ask HR for the Summary Plan Description so you know the exact match and vesting schedule.
- Fund expense ratios aren't in the filing. Look them up in your 404(a)(5) fee disclosure and favor low-cost index or target-date funds.
- Changing jobs? You can usually leave the money in the plan, move it to your new employer's plan, or roll it into an IRA. Don't cash out: you'd owe taxes and possibly a 10% penalty.
The raw numbers from the filing
| Employer contributions | $48,537,053 |
| Participant (employee) contributions | $103,610,237 |
| Other contributions (incl. rollovers in) | $14,119,929 |
| Administrative expenses paid from the plan | $265,371 |
| Contract administrator fees | $2,700 |
| Benefits paid out | $186,151,209 |
| Net assets, start / end of year | $1.7B / $2.0B |
| Active participants, start / end of year | 7,588 / 7,067 |
| Participants with account balances | 12,291 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Baker Tilly US, LLP |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $265,371 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251007122541NAL0002664339001, received 2025-10-07, EIN 77-0430924, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.