PepsiCo 401(k) at a glance
| Employer match | 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). |
|---|---|
| Company contribution (no match needed) | PepsiCo also makes an automatic retirement contribution based on your age plus years of service, up to 9% of pay, whether or not you contribute. |
| Vesting | 3 years to fully vestCompany contributions vest after 3 years of service. |
| Eligibility | Full-time salaried and hourly employees are eligible at hire. Part-time workers need 1,000 hours in a year (or 500 hours in each of two consecutive years). |
| Automatic enrollment | New full-time and part-time hires are auto-enrolled at a pre-tax rate between 4% and 10% of pay in a target-date fund. |
| Roth 401(k) option | Yes |
| Pension | NoPepsiCo froze its salaried defined benefit pension on Dec. 31, 2025. Those employees moved to the match and automatic contributions on Jan. 1, 2026. |
| Plan provider | Fidelity |
| Who this applies to | US salaried and hourly employees (not collectively bargained) |
Good to know
- Certain hourly employees in defined benefit plans get different contribution rates.
- The exact service bands for the 4%-8% match limit and for the automatic contribution were not published in the 11-K.
How to make the most of your PepsiCo 401(k)
- Always get the full match. Contribute enough to earn every matching dollar. 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 PepsiCo match 401(k) contributions?
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). PepsiCo also makes an automatic retirement contribution based on your age plus years of service, up to 9% of pay, whether or not you contribute.
When does the PepsiCo 401(k) match vest?
Company contributions vest after 3 years of service.
When can I join the PepsiCo 401(k)?
Full-time salaried and hourly employees are eligible at hire. Part-time workers need 1,000 hours in a year (or 500 hours in each of two consecutive years).
Does PepsiCo offer a pension?
PepsiCo froze its salaried defined benefit pension on Dec. 31, 2025. Those employees moved to the match and automatic contributions on Jan. 1, 2026.
Sources (last verified 2025 plan year (11-K filed June 2026))
- PepsiCo Savings Plan Form 11-K for 2025 — SEC EDGAR (2026-06-18)
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.