401(k) Match by Company (2026)
How much do America's biggest employers put into your 401(k)? Each page shows the match formula, the most you can get, vesting and any company contribution, with sources you can check.
| Company | Match | Max match (% of pay) |
|---|---|---|
| Abbott | Abbott puts in 5% of eligible pay if you contribute at least 2% of pay. | 5% |
| AbbVie | For employees hired on or after Jan. 1, 2022, AbbVie matches 100% of what you contribute up to 6% of pay. | 6% |
| Accenture | Accenture matches 100% of what you contribute up to 6% of eligible pay. | 6% |
| Adobe | In fiscal 2025, Adobe matched 50% of the first 6% of eligible pay you contribute (max 3% of pay). | 3% |
| Amazon | Amazon matches 50% of the first 4% of pay you contribute (max 2% of pay). | 2% |
| AMD | AMD matches 75% of the first 6% of pay you contribute (max 4.5% of pay). | 4.5% |
| American Airlines | For most non-pilot employees, American matches 100% of the first 4% of pay you contribute (max 4% of pay). | 4% |
| Amgen | Amgen matches 100% of what you contribute up to 5% of pay. | 5% |
| Apple | Apple matches up to 6% of eligible pay. The match rate depends on service: 50% under 2 years, 75% from 2 to 5 years, and 100% after 5 years (max 3% to 6% of pay). | 6% |
| AT&T | For most management employees, AT&T matches 80% of the first 6% of pay you contribute (max 4.8% of pay). | 4.8% |
| Bank of America | Bank of America matches 100% of what you contribute up to 5% of eligible pay, with a year-end true-up. | 5% |
| BJC HealthCare | BJC matches 50% of the first 4% of pay you contribute (max 2% of pay). | 2% |
| Boeing | For most nonunion employees, Boeing matches 100% of the first 10% of base and incentive pay you contribute. | 10% |
| Booz Allen Hamilton | Booz Allen makes an annual matching contribution of up to 6% of eligible pay to its Employees' Capital Accumulation Plan (ECAP). | 6% |
| Capital One | Capital One matches 100% of the first 3% you contribute plus 50% of the next 3% (max 4.5% of pay). | 4.5% |
| Chevron | Chevron adds 4% of pay if you contribute 1%, or 8% of pay if you contribute 2%. | 8% |
| Chipotle | Chipotle matches 100% of the first 3% of pay you contribute and 50% of the next 2% (max 4% of pay), after one year of service. | 4% |
| Cintas | Cintas pays a discretionary match once a year, set by the board after the fiscal year ends (May 31). You must have contributed during the year to get it. | — |
| Cisco | Cisco matches 100% of what you contribute, up to 4.5% of eligible pay. | 4.5% |
| Citi | Citi matches 100% of your before-tax and Roth contributions up to 6% of eligible pay. Since 2025, the match applies only to pay up to $200,000. | 6% |
| CVS Health | After one year of service, CVS Health matches 100% of the first 5% of pay you contribute each pay period (max 5% of pay). | 5% |
| Delta Air Lines | Delta matches 100% of the first 6% of eligible earnings you contribute (max 6% of pay). | 6% |
| Disney | In the salaried plan, Disney matches 50% of your contributions up to 2% of pay (so 50% of the first 4%), starting after one year of service. | 2% |
| FedEx | For employees hired on or after January 1, 2020 (RSP II), FedEx puts in $2 per $1 on the first 2% you save and $1 per $1 on the next 4%, for up to 8% of pay. | 8% |
| Ford | For salaried employees, Ford matches 90 cents per dollar on the first 5% of base salary you contribute (max 4.5% of pay). | 4.5% |
| General Motors | GM's careers site says US salaried employees get a company match of up to 6% of pay on their own 401(k) savings. The exact match rate per percent is not stated. | 6% |
| Goldman Sachs | Goldman Sachs matches 100% of what you contribute up to 6% of pay, capped at $12,500 per year. | 6% |
| Google (Alphabet) | Google matches the greater of 100% of your contributions up to $3,000, or 50% of your contributions up to the IRS limit ($12,250 max in 2026). | — |
| HCA Healthcare | HCA matches 100% of your contributions up to 3% to 9% of pay, depending on years of vesting service (9% at 25+ years). | 9% |
| Home Depot | Home Depot matches 150% of the first 1% of pay you contribute and 50% of the next 4% (max 3.5% of pay). | 3.5% |
| Honeywell | Honeywell matches 87.5% of the first 8% of eligible pay you contribute (max 7% of pay). The match is paid once a year. | 7% |
| Humana | From January 1, 2026, Humana matches 100% of the first 6% of pay you contribute (max 6% of pay), after one year of service. In 2025 the match was 125% of the first 6% (max 7.5%). | 6% |
| IBM | IBM no longer matches 401(k) contributions. Since Jan 1, 2024 it puts 5% of eligible pay into a Retirement Benefit Account instead. | — |
| Intel | Intel matches 100% of what you contribute up to 5% of pay, each pay period (it was 7% for 2024). | 5% |
| Intuit | Intuit matches 125% of what you contribute, up to 6% of pay (up to 7.5% of pay from Intuit), subject to a maximum dollar amount. | 7.5% |
| JPMorgan Chase | After one year of service, JPMorgan Chase matches 100% of what you contribute, up to 5% of eligible pay. You must be employed on December 31 to get it. | 5% |
| Kaiser Permanente | Kaiser Permanente does not match employee savings in the TSA (403(b)) plan for salaried and non-union staff. Instead it makes a fixed contribution and also provides a pension. | 0% |
| Kroger | Kroger makes a safe harbor match of 100% of the first 5% of pay you contribute. | 5% |
| L3Harris | After 1 year of service, L3Harris matches 100% of what you contribute up to 6% of pay (5% if you also earn a cash balance pension). | 6% |
| Leidos | Leidos matches 100% of the first 6% of pay you contribute (pre-tax or Roth), calculated each paycheck. Some job groups ('fringe codes') get a 50% match on the first 6% or no match. | 6% |
| Lockheed Martin | Lockheed matches 50% of the first 8% of base salary you contribute (max 4% of pay), paid mainly in company stock. | 4% |
| Lowe's | Lowe's matches 100% of the first 3%, 50% of the next 2% and 25% of the next 1% you contribute (max 4.25% of pay if you put in 6%). | 4.25% |
| McDonald's (corporate) | McDonald's matches 100% of what you contribute, up to 6% of eligible pay, after one year of service and age 21. | 6% |
| Medtronic | Medtronic matches 50% of the first 6% of pay you contribute each pay period (max 3% of pay). It may also pay a year-end discretionary 'true-up' match tied to company results; for the plan year ended April 30, 2025 it was 17.3% of contributions up to 6% of pay. | 3% |
| Merck | Merck matches 75 cents per dollar you contribute, up to 6% of pay (up to 4.5% of pay from Merck). | 4.5% |
| Meta | Meta gives a 50% match on your contributions. The match is capped at half the IRS employee limit, which is $12,250 in 2026. Catch-up contributions (age 50+) are also matched. | — |
| Microsoft | Microsoft matches 50% of every pre-tax and Roth dollar you contribute, up to the IRS limit ($12,250 max in 2026). | — |
| Morgan Stanley | For 2025, most employees with eligible pay of $275,001 or less got a dollar-for-dollar match up to 5% of pay (max $13,750). Employees earning over $275,001, or those who get the fixed contribution, got a match up to 4% of pay (max $14,000). | 5% |
| Netflix | Netflix matches 100% of the first 4% of eligible pay you contribute (max 4% of pay). | 4% |
| Nordstrom | Nordstrom matches 100% of the first 1% of pay you contribute and 50% of the next 6% (max 4% of pay). | 4% |
| Northrop Grumman | For employees hired after April 1, 2016, Northrop matches 100% of the first 4% and 50% of the next 4% (max 6% of pay). With 5+ years of service, the 50% match covers the next 6% (max 7%). | 6% |
| Nvidia | Nvidia matches dollar-for-dollar on your first $6,000 and 50 cents per dollar on the next $11,000 (max match $11,500 a year). | — |
| Oracle | Oracle matches 50% of the first 6% of pay you contribute (max 3% of pay), capped at $5,100 a year. | 3% |
| PepsiCo | PepsiCo matches 50% of what you contribute, up to a limit of 4% to 8% of pay that rises with years of service (max 2% to 4% of pay). | — |
| Pfizer | Pfizer matches 100% of the first 3% of pay you contribute and 50% of the next 3% (max 4.5% of pay). Matches are deposited quarterly. | 4.5% |
| PNC Financial Services | PNC matches your contributions dollar for dollar up to 4% of pay. | 4% |
| Publix | Publix may add 50 cents per dollar on the first 3% of pay you save in the 401(k) SMART Plan, up to $750 a year. | 1.5% |
| PwC | PwC matches 25% of the first 6% of pay you contribute (max 1.5% of pay). | 1.5% |
| RTX (Raytheon) | RTX matches 100% of the first 3% of pay you contribute and 33.3% of the next 3%, for a maximum match of 4% of pay. | 4% |
| SAIC (Science Applications International Corp.) | SAIC matches a percentage of your contributions, up to 4% of pay. The exact formula depends on your fringe benefit package. | 4% |
| Salesforce | Salesforce matches 100% of the first 6% of eligible pay you contribute, up to a yearly dollar cap. | 6% |
| Sherwin-Williams | Sherwin-Williams matches 100% of the first 6% of pay you contribute, starting the quarter after your first anniversary. | 6% |
| Southwest Airlines | For 2025, Southwest matched 100% of your contributions up to 9.3% of pay for most employees. Union contracts can set different match terms. | 9.3% |
| Starbucks | Starbucks matches 100% of the first 5% of eligible pay you contribute each pay period. | 5% |
| Stryker | Stryker matches 50% of the first 8% of pay you contribute (max 4% of pay). The match is paid once a year, after year end. | 4% |
| Target | Target matches 100% of what you contribute, up to 5% of eligible pay. | 5% |
| Tesla | Tesla matches 50% of the first 6% of pay you contribute, capped at $3,000 a year. | 3% |
| Thermo Fisher Scientific | Thermo Fisher matches 100% of the first 6% of pay you contribute (max 6% of pay). New participants who join on or after April 1, 2026 get 100% of the first 5% (max 5%). | 6% |
| Truist Financial | Truist matches 100% of the first 4% of pay you contribute, as a safe harbor match. The board can approve an extra discretionary match. | 4% |
| UnitedHealth Group (Optum) | From January 1, 2026, UnitedHealth Group matches 100% of the first 1% of pay you contribute and 50% of the next 5% (max 3.5% of pay), after one year of service. In 2025 the match was 100% of the first 3% plus 50% of the next 3% (max 4.5%). | 3.5% |
| UPS | For non-union employees, UPS matches 50% of the first 6% of pay you contribute (max 3% of pay). | 3% |
| Verizon | Verizon matches 100% of what you contribute up to 6% of eligible pay each pay period. | 6% |
| Visa | Visa matches 200% of what you contribute, up to 5% of pay (max 10% of pay). | 10% |
| Walmart | Walmart matches 100% of what you contribute, up to 6% of eligible pay. | 6% |
| Wegmans | Wegmans matches 50% of the first 6% of pay you save (up to 3% of pay), for eligible employees. | 3% |
| Wells Fargo | Wells Fargo matches 100% of the first 6% of pay you contribute (max 6% of pay), paid once a year after one year of service. | 6% |
| Whole Foods Market | Whole Foods matches 50% of what you contribute, up to 4% of eligible pay (max 2% of pay). | 2% |
| costco | See our full guide. | — |