AbbVie Inc. 401(k): Empower, match 6% max
AbbVie Savings Plan · ABBV · CIK 1551152
Empower is the recordkeeper named on the Form 5500 filed for this plan, the company that keeps the account records. Where to log in, and what the filing says.
Maximum employer match, as a share of pay
6%
AbbVie Inc. matches 100% (dollar-for-dollar) of the first 6% of pay.
AbbVie's Form 11-K filing for plan year 2025 describes two separate 401(k) plans. The terms on this page are read from the AbbVie Savings Plan. Both state the same maximum match.
From the Form 11-K filed June 24, 2026 ↗, covering the plan year ended December 31, 2025. Page data last updated July 28, 2026, when the Form 5500 bulk data was last refreshed. Why filings lag
On this page: which plan you are in · what the employer actually paid in · the formula, word for word · when the money becomes yours · who can join · who holds your account · what the plan reports to the DOL · how it compares · what to do next
Which AbbVie 401(k) plan are you in?
AbbVie's Form 11-K filing for this plan year describes two plans and all of them state the same maximum employer match. The group each plan covers still differs, and so can the vesting and enrollment terms further down this page, which are read from the AbbVie Savings Plan.
AbbVie Savings Plan (the plan this page answers for)
The filing states no limit on who this plan covers · Form 11-K ↗
6% of pay, at most
AbbVie Puerto Rico Savings Plan
Employees in Puerto Rico · Form 11-K ↗
6% of pay, at most
One row per plan, taken from the Form 11-K report this site has read for the plan year ended December 31, 2025. Each maximum comes from that plan’s own filing and describes only that plan.
What AbbVie puts in, and what the plan costs
What AbbVie put into the plan, per active participant
$11,902
AbbVie Inc. put $11,902 into this plan for each of its 28,506 active participants in plan year 2024. This is the whole employer side of the plan: matching money, profit sharing, non-elective and safe-harbor contributions, and reallocated forfeitures. The Form 5500 does not separate them, so this is what the employer put in and not the match.
AbbVie put in more per active participant than 73% of plans with 5,000+ participants in pharmaceuticals and chemicals. The middle plan in that group of 63 reported $8,101. Pharmaceuticals and chemicals comes from business code 325410, which AbbVie entered on its own Form 5500. Sponsors pick that code themselves, so a code that does not describe what the employer does ranks the plan against the wrong companies.
What this figure cannot separate: how much AbbVie pays, and how much it puts in
This is dollars, not a rate. A Form 5500 carries no payroll, so the figure reflects both how much the employer puts in and how much the employer pays: two plans running the same formula report different amounts when one pays better. Crossing the peer group with industry holds most of that difference still, and none of it disappears.
This is one plan year, not an average. A true-up, a plan merger or a one-off contribution moves a single year on its own.
Source: DOL Form 5500 for the plan year ended December 31, 2024, EIN 320375147, plan 001 · DOL EFAST2 ↗
The $11,902 above is the Form 5500 figure for plan year 2024, and it counts every employer dollar on one line. AbbVie Inc. also files a Form 11-K, which states the match formula for plan year 2025: the card below reads $2,970 a year at a $49,500 salary, and the same filing states employer contributions made outside the match. That second figure is what the formula pays one worker on that salary, and not an amount either filing reports. The two figures cover different plan years and measure different things, so neither one is the other one corrected.
What AbbVie puts in
$2,970
a year, at a $49,500 salary.
The match paragraph, word for word
“Employer matching contributions to the Plan are made each payroll period based on the participating employees’ eligible earnings. Catch-up contributions are not eligible for matching contributions. The amount of the employer matching contribution for participants not covered by ASP+ is determined by the Board of Directors of AbbVie and, for the year ended December 31, 2025, was 5% of the participant’s eligible earnings if the employee elected to contribute at least 2% to the Plan. For participants covered by ASP+, contributions are matched dollar for dollar up to 6% of the participant’s eligible earnings.”
What you contribute to collect all of it
Contribute at least 6% of your pay to collect the full match.
That is $2,970 a year at a $49,500 salary, and it scales with your own.
Vesting score
71.43 out of 100
How fast the employer’s money becomes yours. Higher than 32% of the 369 schedules we have scored.
It measures vesting speed and nothing else. It says nothing about the size of the match, what the plan charges, or the funds inside it.
Share of the employer's money that is the worker's at hire and at each of the first 6 anniversaries: 0%, 0%, 100%, 100%, 100%, 100%, 100%. The score is the average of those 7 readings.
Vesting, word for word
“Participants are at all times fully vested in their own contributions and earnings thereon. Vesting in employer matching contributions is based on the following vesting schedule:”
The wait before the match starts and the year-end true-up appear above when the filing states them. Neither is part of the score, and a filing that is silent on one of them is not a plan without it.
What the plan costs, against plans of its size
87th percentile
$112.83 per participant in plan-paid administrative cost, more expensive than 87% of plans with 5,000+ participants.
What is AbbVie's 401(k) match formula?
AbbVie's 401(k) employer match tops out at 6% of pay. The match is deposited each payroll. One rate up to one limit is the commonest of the four shapes a match formula takes.
| Match formula | 100% (dollar-for-dollar) of the first 6% of pay |
|---|---|
| Maximum employer match | 6% of compensation |
| Rate actually paid this plan yearAs reported in the filing. | Non-ASP+ participants (hired before January 1, 2022): match is determined by the Board of Directors and for 2025 was 5% of eligible earnings if the employee elected to contribute at least 2% |
| Deposited | Each payroll |
| Conditions | The dollar for dollar match up to 6% applies to participants covered by ASP+ (employees who begin employment or first become eligible on or after January 1, 2022). Catch-up contributions are not eligible for matching contributions. |
| Other employer contribution | ASP+ annual employer contribution of 2% to 7% of eligible compensation based on age plus years of credited service, paid if the participant is employed on the last day of the plan year or separated during the year due to death or qualifying retirement |
At a $45,000 salary, contributing 6% ($2,700) earns the full employer match of $2,700 for the year.
What the filing says, word for word
“Employer matching contributions to the Plan are made each payroll period based on the participating employees’ eligible earnings. Catch-up contributions are not eligible for matching contributions. The amount of the employer matching contribution for participants not covered by ASP+ is determined by the Board of Directors of AbbVie and, for the year ended December 31, 2025, was 5% of the participant’s eligible earnings if the employee elected to contribute at least 2% to the Plan. For participants covered by ASP+, contributions are matched dollar for dollar up to 6% of the participant’s eligible earnings.”
Source: Form 11-K filed June 24, 2026, SEC EDGAR, corroborated by the filing's inline-XBRL facts · SEC ↗
What is AbbVie's 401(k) vesting schedule?
AbbVie vests the employer match on a cliff schedule: nothing is yours until two years of service, then 100% at once. Leave a day early and the employer money goes back to the plan, the edge a two-year cliff creates.
| Employer match vesting | Cliff: 100% vested after 2 years of service |
|---|---|
| Your own contributions | Immediate: always 100% yours |
| Other employer contributions | ASP+ annual employer contribution vests on a graded schedule: 0% below 1 year, 20% at 1 year, 40% at 2, 60% at 3, 80% at 4, 100% at 5 or more years of credited service |
Vesting, word for word
“Participants are at all times fully vested in their own contributions and earnings thereon. Vesting in employer matching contributions is based on the following vesting schedule:”
Source: Form 11-K filed June 24, 2026, SEC EDGAR · SEC ↗
Who can join AbbVie's 401(k), and is enrollment automatic?
AbbVie enrolls new hires automatically at 3% of pay.
| Plan entry | United States employees of AbbVie and selected participating subsidiaries and affiliates may voluntarily participate after their date of hire |
|---|---|
| Automatic enrollment | Yes: default deferral 3% of pay; 30-day opt-out window |
Eligibility, word for word
“In general, United States employees of AbbVie Inc. (“AbbVie”) and selected participating subsidiaries and affiliates may, after their date of hire, voluntarily participate in the Plan.”
Automatic enrollment, word for word
“Following the 30-day period from an employee’s hire or eligibility date, employees covered by ASP+ who have not affirmatively enrolled in the Plan and elected a specified contribution type and percentage or who have not opted out of automatic contributions, will be automatically enrolled in the Plan to contribute 3% of their pre-tax earnings.”
Source: Form 11-K filed June 24, 2026, SEC EDGAR · SEC ↗
Who holds your account
Schedule C of the Form 5500 filed for plan year 2024 reports Empower, filed as “EMPOWER ANNUITY INSURANCE COMPANY”. That is the company paid to keep the account records: what is in an account, what went into it, and usually the site a participant signs in to. The trustee that holds the plan’s assets can be a different company, and this filing does not name it.
7,876 plans on file name Empower as their recordkeeper. Of those, the 7,813 with a computable fee have a median plan-paid cost of $165.72 per participant.
Participants log in at Empower ↗. 401(k) Monitor is not affiliated with Empower or with any other recordkeeper, and takes nothing for this link. It is here because that is where the account is.
| Recordkeeper | Empower |
|---|---|
| Recordkeeper address | 8515 East Orchard Road, Greenwood Village, CO 80111 |
What does the AbbVie plan report on Form 5500?
The AbbVie plan reported $13.4B in assets and 37,767 participants for plan year 2024.
| Total plan assets | $13,388,913,371 |
|---|---|
| Participants | 37,767 |
| Plan-paid admin cost per participant | $112.83 |
How that cost compares
This plan pays $112.83 per participant. The median across plans in pharmaceuticals and chemicals is $128.47, from the 870 of 942 whose Form 5500 yields a per-participant cost.
AbbVie Savings Plan on its Form 5500 filing: fees, providers and financials
How does AbbVie's 401(k) match compare?
AbbVie Inc.'s maximum 401(k) match of 6% of pay compares with a median of 4% across the 269 companies in our data with a computable formula.
Employers worth reading next
Of the six employers below, three file in pharmaceuticals and chemicals, two report the same recordkeeper and one vests on the same schedule.
Maximum match 5% of pay. Also in pharmaceuticals and chemicals.
Maximum match 6% of pay. Also in pharmaceuticals and chemicals.
Maximum match 5% of pay. Also in pharmaceuticals and chemicals.
Maximum match 5% of pay. Same recordkeeper, Empower.
Maximum match 5% of pay. Same recordkeeper, Empower.
Maximum match 5% of pay. Same 2-year cliff as AbbVie.
What do AbbVie's other 401(k) plans say?
AbbVie Puerto Rico Savings Plan
Employees in Puerto Rico
AbbVie Inc. matches 100% of employee contributions up to 6% of eligible pay (plan year ended December 31, 2025).
- Employer match vesting
- Cliff: 100% vested after 2 years of service
- Automatic enrollment
- Yes: default deferral 3% of pay; 30-day opt-out window
What the filing says, word for word
“Employer matching contributions to the Plan are made each payroll period based on the participating employees’ eligible earnings. Catch-up contributions are not eligible for matching contributions. The amount of the employer matching contribution for participants not covered by ASP+ is determined by the Board of Directors of AbbVie Ltd. and for the year ended December 31, 2025, was 5% of the participant’s eligible earnings if the employee elected to contribute at least 2% to the Plan. For participants covered by ASP+, contributions are matched dollar for dollar up to 6% of the participant’s eligible earnings.”
What can you do next?
- Read the Form 11-K on SEC EDGAR ↗
Form 11-K filed June 24, 2026, SEC EDGAR. Every match fact on this page comes from it.
- Changed jobs? Find an old 401(k) ↗
The Department of Labor's Retirement Savings Lost & Found, a free government database.
- This year's IRS contribution limits ↗
The official deferral and catch-up limits every formula operates under.
Questions this filing answers
What is AbbVie Inc.'s 401(k) match?
AbbVie Inc. matches 100% of employee contributions up to 6% of eligible pay (plan year ended December 31, 2025).
When does the AbbVie Inc. 401(k) match vest?
Cliff: 100% vested after 2 years of service.
Does AbbVie Inc.'s 401(k) plan have automatic enrollment?
Yes: default deferral 3% of pay; 30-day opt-out window.
Who is the recordkeeper for AbbVie Inc.'s 401(k)?
Empower is named as the recordkeeper on the Form 5500 filed for AbbVie Savings Plan for plan year 2024. That is the company paid to keep the account records: what is in an account, what went into it, and usually the site a participant signs in to.
Source
The match formula, the vesting schedule and the enrollment rules on this page were read from one document: the Form 11-K annual report that AbbVie Inc. filed with the US Securities and Exchange Commission for the plan year ended December 31, 2025. Each of those fields carries the filing sentence it was read from, expandable where the field appears. Nothing on this page was supplied by the employer to this site.
The plan assets, the participant counts, the plan-paid fees and the recordkeeper come from a different document, the plan’s DOL Form 5500 annual return, and the section that reports them links it. Comparisons with other employers are computed across the filings named in the section they appear in.
Read the filing on SEC EDGAR ↗
| Document | Form 11-K annual report |
|---|---|
| Filed with | US Securities and Exchange Commission (EDGAR) |
| Filed by | AbbVie Inc. |
| SEC CIK | 1551152 |
| Accession number | 0001104659-26-077366 |
| Plan | AbbVie Savings Plan |
| Period of report | December 31, 2025 |
| Filed | June 24, 2026 |
401(k) Monitor is not affiliated with AbbVie Inc., with the Securities and Exchange Commission or with this plan’s recordkeeper, and publishes this page without their involvement. It republishes a public filing and says where it came from.
Cite this page
401(k) Monitor, “AbbVie Inc. 401(k) plan facts”, from SEC Form 11-K accession 0001104659-26-077366, plan year ended December 31, 2025.
