RTX (Raytheon) 401(k) at a glance
| Employer match | 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. |
|---|---|
| Maximum match | 4% of pay |
| Contribution needed for full match | 6% of pay |
| Company contribution (no match needed) | Eligible employees also get a Company retirement contribution of 3% to 7% of pay based on age, even if they do not contribute. |
| Vesting | 2 years to fully vestCompany contributions generally vest fully after 2 years of continuous service. |
| Eligibility | Eligible employees can generally join right after they are hired. |
| Automatic enrollment | Certain new participants are auto-enrolled at 6% pre-tax, increasing 1% a year up to 10%. |
| Roth 401(k) option | Yes |
| Pension | YesRTX still runs defined benefit pension plans, but its largest plans are generally closed to new participants. Most new salaried hires get the age-based retirement contribution in the 401(k) instead. |
| Plan provider | Alight Solutions (moving to Fidelity Workplace Services in 2027) |
| Who this applies to | US employees in the RTX Savings Plan (terms can vary by location and collective bargaining) |
How much is the RTX (Raytheon) match worth?
If you contribute 6% of your pay, RTX (Raytheon) adds the full match. Here is what that means at different salaries, per year, before investment growth:
| Salary | You contribute (6%) | RTX (Raytheon) match | Company contribution |
|---|---|---|---|
| $40,000 | $2,400 | $1,600 | $1,200 |
| $60,000 | $3,600 | $2,399 | $1,800 |
| $90,000 | $5,400 | $3,599 | $2,700 |
| $150,000 | $9,000 | $5,999 | $4,500 |
Illustration based on the plan terms above. Your actual match depends on eligible pay, timing and plan rules.
Good to know
- The 11-K says match and retirement-contribution rules can vary by participant location, and some groups follow collective bargaining agreements.
- Match can be funded in RTX stock via a non-leveraged ESOP; participants can diversify out quarterly.
Other RTX (Raytheon) retirement benefits
- Student loan repayment match (SLRC)
- After-tax contributions
- Lifetime Income Strategy default investment with insurance component
- Brokerage window
How to make the most of your RTX (Raytheon) 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 RTX (Raytheon) match 401(k) contributions?
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. Eligible employees also get a Company retirement contribution of 3% to 7% of pay based on age, even if they do not contribute.
When does the RTX (Raytheon) 401(k) match vest?
Company contributions generally vest fully after 2 years of continuous service.
When can I join the RTX (Raytheon) 401(k)?
Eligible employees can generally join right after they are hired.
Does RTX (Raytheon) offer a pension?
RTX still runs defined benefit pension plans, but its largest plans are generally closed to new participants. Most new salaried hires get the age-based retirement contribution in the 401(k) instead.
How much should I contribute to get the full RTX (Raytheon) match?
Contribute at least 6% of your pay. Anything less leaves part of the match unclaimed.
Sources (last verified 2025 plan year)
- RTX Savings Plan Form 11-K for 2025 — SEC (2026-06-18)
- RTX Corp Form 10-K FY2025 — SEC (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.