L3Harris 401(k) at a glance
| Employer match | 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). |
|---|---|
| Maximum match | 6% of pay |
| Contribution needed for full match | 6% of pay |
| Company contribution (no match needed) | The plan allows discretionary profit-sharing contributions, but none were made in 2024. |
| Vesting | 3 years to fully vestMatching contributions vest 100% after 3 years of service, or right away at age 55 while employed. |
| Eligibility | You can contribute at hire. The match starts after 1 year of service. |
| Automatic enrollment | If you make no election, you are enrolled at 6% of pay pre-tax in an age-based fund. |
| Roth 401(k) option | Yes |
| Pension | YesSome employees accrue a cash balance pension benefit; their match limit is 5% instead of 6%. |
| Plan provider | Fidelity (recordkeeper); Northern Trust (trustee) |
| Who this applies to | Eligible US employees of L3Harris and certain subsidiaries |
How much is the L3Harris match worth?
If you contribute 6% of your pay, L3Harris adds the full match. Here is what that means at different salaries, per year, before investment growth:
| Salary | You contribute (6%) | L3Harris match |
|---|---|---|
| $40,000 | $2,400 | $2,400 |
| $60,000 | $3,600 | $3,600 |
| $90,000 | $5,400 | $5,400 |
| $150,000 | $9,000 | $9,000 |
Illustration based on the plan terms above. Your actual match depends on eligible pay, timing and plan rules.
Good to know
- A secondary source reports that from 2026 L3Harris matches qualifying student loan payments; this was not confirmed in a primary source.
Other L3Harris retirement benefits
- After-tax contributions
How to make the most of your L3Harris 401(k)
- Always get the full match. Contribute at least 6% of pay. It is an instant return you cannot get anywhere else.
- Check your vesting date before you change jobs, so you do not leave unvested money behind.
- Pre-tax or Roth? If you expect a higher tax rate in retirement, Roth contributions can pay off. Model it with our Roth conversion calculator.
- Watch fees and prefer low-cost index or target-date funds in the plan lineup.
- Plan the whole picture: see how your state taxes retirement income before you decide where to retire.
Frequently asked questions
Does L3Harris match 401(k) contributions?
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). The plan allows discretionary profit-sharing contributions, but none were made in 2024.
When does the L3Harris 401(k) match vest?
Matching contributions vest 100% after 3 years of service, or right away at age 55 while employed.
When can I join the L3Harris 401(k)?
You can contribute at hire. The match starts after 1 year of service.
Does L3Harris offer a pension?
Some employees accrue a cash balance pension benefit; their match limit is 5% instead of 6%.
How much should I contribute to get the full L3Harris match?
Contribute at least 6% of your pay. Anything less leaves part of the match unclaimed.
Sources (last verified 2024 plan year (11-K filed June 2025))
- L3Harris Retirement Savings Plan Form 11-K for 2024 — SEC EDGAR (2025-06-13)
- L3Harris Technologies 401(k) Match — 401(k) Monitor (2026)
Educational content only, not tax, legal or investment advice. Plans and tax laws change; confirm details with your employer's plan documents or your state revenue department. Smart Financial Lifestyle is not affiliated with any employer named on this site.