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.	—

Frequently asked questions

What is a typical 401(k) match?

The most common formulas on this page are a straight percentage of pay (for example 50% of what you contribute up to 6% of pay) or a tiered formula (100% of the first 3%, then 50% of the next 2%). Both land most employers between 3% and 5% of pay. A few employers on this list add a separate non-elective contribution that you get whether or not you contribute.

What does “100% of the first 3%, then 50% of the next 2%” mean?

Contribute 3% of your pay and the employer adds 3%. Contribute 2% more, up to 5%, and the employer adds half of that, which is 1%. The total employer contribution is 4% of pay, and contributing more than 5% yourself does not increase it. The max match column on this page is that ceiling.

What is vesting, and can I lose the match?

Vesting is the schedule on which the employer's contributions become yours to keep. Your own contributions are always 100% yours. Employer money can be subject to cliff vesting (nothing until a set date, then all of it) or graded vesting (a rising share each year). If you leave before you are fully vested, you forfeit the unvested part. Each company page lists its schedule where the plan documents state it.

Does the employer match count against my contribution limit?

Not against the employee deferral limit, which applies only to what you put in. There is a separate, much higher combined limit on everything that goes into the account in a year - your deferrals, the match and any profit sharing. Almost nobody reaches it on a match alone. Check the current year's figures on IRS.gov before you plan around either limit.

What happens to the match if I change jobs?

The vested balance stays yours. You can generally leave it in the old plan, roll it into your new employer's plan, or roll it into an IRA. Unvested employer money is forfeited on the day you leave, so if you are close to a vesting date it is worth knowing the exact date before you resign.

Where do these numbers come from?

Each company page cites its sources - plan documents, summary plan descriptions and employer benefit pages - and is marked verified or unverified. Plans change. Confirm the match with your own HR or plan administrator before you make a contribution decision based on it.