Thermo Fisher Scientific 401(k) at a glance
| Employer match | 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%). |
|---|---|
| Maximum match | 6% of pay |
| Contribution needed for full match | 6% of pay |
| Vesting | 2 years to fully vestMatching contributions vest fully after 2 years of service. |
| Eligibility | US employees can join on their date of hire or rehire. |
| Automatic enrollment | New hires are auto-enrolled at 3% of pay unless they opt out. |
| Roth 401(k) option | Yes |
| Plan provider | Fidelity |
| Who this applies to | US employees of Thermo Fisher and participating subsidiaries |
How much is the Thermo Fisher Scientific match worth?
If you contribute 6% of your pay, Thermo Fisher Scientific adds the full match. Here is what that means at different salaries, per year, before investment growth:
| Salary | You contribute (6%) | Thermo Fisher Scientific 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
- The match drops to 100% of the first 5% for participants entering the plan on or after April 1, 2026; existing participants keep 6%.
- The 11-K describes the match as discretionary.
Other Thermo Fisher Scientific retirement benefits
- In-plan Roth rollovers
How to make the most of your Thermo Fisher Scientific 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 Thermo Fisher Scientific match 401(k) contributions?
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%).
When does the Thermo Fisher Scientific 401(k) match vest?
Matching contributions vest fully after 2 years of service.
When can I join the Thermo Fisher Scientific 401(k)?
US employees can join on their date of hire or rehire.
How much should I contribute to get the full Thermo Fisher Scientific match?
Contribute at least 6% of your pay. Anything less leaves part of the match unclaimed.
Sources (last verified 2026)
- Thermo Fisher Scientific 401(k) Retirement Plan Form 11-K (year ended December 31, 2025) — SEC EDGAR (2026-06)
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.