Look up your employer’s real 401(k) match, from the official filings.
56,422 employers file 57,824 large 401(k) plans with the Department of Labor, covering 66.6 million active participants. Every one of those filings is read here, and 2,457 of them have a page of their own. The match formula comes from the Form 11-K a public company files when its plan holds its own stock.
Try: Costco · Boeing · IBM · Home Depot
What is on file
56,422
employers with a large 401(k) plan in the Form 5500 records the Department of Labor publishes, 57,824 plans in all. Browse the plans
66.6 million
active participants in those plans. Pooled filings, where one form covers many unrelated employers, are left out of this count. See where they work
48,470
of those plans carry a 401(k) Monitor Score: where the plan stands against plans of its size and industry, on the two amounts its Form 5500 reports. How the score is built
319
employers with an SEC Form 11-K read so far, so their match formula and vesting schedule are on file word for word. The employers on file
Counted from the files this page was built from, the form-year 2024 Form 5500 data. The Department of Labor takes that filing only from plans with 100 participants or more, so a smaller employer's plan is not in the source data.
Will you find your match formula?
The formula itself is on file for 319 of the 56,422 employers, the ones that file an SEC Form 11-K. Here is what each kind of page can say.
- For any plan on file: what the employer put in per active participant, what the plan cost per participant, where both sit among plans of the same size, who keeps the records, and a link to the filing itself.
- For the 319 employers read from an 11-K: the match as an action, “contribute at least 5% to collect the full 4% match”, computed from the filed formula, plus the vesting schedule and auto-enrollment, each with the filing sentence quoted.
- When the filing does not say: the page says so plainly and states which line of which schedule is missing.
Where to start without a plan name
- 2,457 large 401(k) plans, page by page
One page per Form 5500 filing: assets, participants, plan-paid fees and the recordkeeper.
- Plans by state
Grouped by the state the sponsor files from, then by how many people are in the plan.
- Plans by industry
What the median plan pays per participant in each industry, and every plan behind it.
- Plans by recordkeeper
Who administers the plan, how big their book is, and what their plans pay.
Common questions, answered from the filings
- What is the average 401(k) match?
The median of the maximum match rates large employers state in their own filings, with the whole distribution behind it.
- Which companies changed their 401(k) match?
Cuts, increases and endings, tracked from SEC 11-K filings with the exact sentence for each change.
- What 401(k) fees are normal?
Median plan-paid cost per participant, by plan size, so you can tell if yours is high.
- Which plans reported a late 401(k) deposit?
The Schedule H line that asks whether money withheld from pay reached the plan late, and what most of those answers really mean.
- The 100 largest 401(k) plans in America
Ranked by assets, with participants and recordkeeper.
- How this data is built
The pipeline, the honesty rules, and what we refuse to infer.
Free official tools
- Find a 401(k) you left at an old job ↗
The Department of Labor's Retirement Savings Lost & Found, free and official.
- This year's IRS contribution limits ↗
The official deferral and catch-up limits, straight from the IRS.
- Look up any plan's Form 5500 ↗
The DOL's own filing search; every number here traces back to it.
- Search SEC filings yourself ↗
Find the 11-K annual report behind any public company's plan.
How fresh is this data?
An 11-K arrives up to 6 months after the plan year ends, a Form 5500 up to 9½ months. Every page states its plan year and filing date, and a match formula can change between filings. Read the methodology.