Getty Images, Inc. 401(k) Review & Grade
Getty Images, Inc. 401(k) Profit Sharing Plan
Seattle, WARetail Trade810 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$5,418Employer $ per active participant
$14,197Employee $ saved per active participant
0.06%Direct admin cost, % of plan assets
$310.4MNet plan assets, end of year
$220,013Average balance per account
Score breakdown
- Employer generosity49.5 / 5099th percentile for employer $ per participant
- Low cost21.1 / 2584th percentile for low admin cost vs. same-size plans
- Employee saving15.0 / 15100th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score93 / 100 · Grade A
This plan vs. peers
Peers: Retail Trade plans with 500–2,499 active participants (719 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 99th |
| Lower admin cost | 84th |
| Employee saving | 100th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
Corrective distributions: the plan refunded $87 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Getty Images put in about $5,418 per active participant, more than the typical peer ($743). 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.
- The plan auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- 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 | $4,388,333 |
| Participant (employee) contributions | $11,499,173 |
| Other contributions (incl. rollovers in) | $915,414 |
| Administrative expenses paid from the plan | $173,580 |
| Other admin expenses | $173,580 |
| Benefits paid out | $12,067,249 |
| Net assets, start / end of year | $268.0M / $310.4M |
| Active participants, start / end of year | 834 / 786 |
| Participants with account balances | 1,411 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Baker Tilly US, LLP |
Largest service providers (Schedule C)
| The Vanguard Group, Inc. | $137,246 reported compensation |
| Vanguard Advisers Inc. | $38,015 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250829150010NAL0011408321001, received 2025-08-29, EIN 98-0177556, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.