ACCO Brands Corp 401(k): Fidelity, match 6% max
ACCO Brands Corporation 401(k) Plan · ACCO · CIK 712034
Fidelity Investments 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.
Matched to this employer by sponsor name, not by an identifier stated in the filing.
Maximum employer match, as a share of pay
6%
ACCO Brands Corp matches 100% (dollar-for-dollar) of the first 6% of pay.
From the Form 11-K filed June 26, 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: what the employer actually paid in · the formula, word for word · what it used to be · 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
What ACCO Brands puts in, and what the plan costs
What ACCO Brands put into the plan, per active participant
$5,574
ACCO Brands Corp put $5,574 into this plan for each of its 1,218 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.
ACCO Brands put in more per active participant than 85% of plans with 1,000–4,999 participants in medical devices and other manufacturing. The middle plan in that group of 206 reported $2,911. Medical devices and other manufacturing comes from business code 339900, which ACCO Brands 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.
Matched to this employer by sponsor name, not by an identifier stated in the filing. This record could cover another plan of the same employer.
What this figure cannot separate: how much ACCO Brands 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 362704017, plan 002 · DOL EFAST2 ↗
The $5,574 above is the Form 5500 figure for plan year 2024, and it counts every employer dollar on one line. ACCO Brands Corp 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. 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 ACCO Brands puts in
$2,970
a year, at a $49,500 salary.
The match paragraph, word for word
“The Company contributes on behalf of each eligible participant, an amount equal to 100% of the participant’s contribution up to 6% of eligible compensation.”
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
100 out of 100
How fast the employer’s money becomes yours. Higher than 48% 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: 100%, 100%, 100%, 100%, 100%, 100%, 100%. The score is the average of those 7 readings.
Vesting, word for word
“Company safe harbor and non-safe harbor matching contributions, as well as any investment earnings on those contributions, are 100% vested immediately.”
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
56th percentile
$94.52 per participant in plan-paid administrative cost, more expensive than 56% of plans with 1,000–4,999 participants.
What is ACCO Brands' 401(k) match formula?
ACCO Brands' 401(k) employer match tops out at 6% of pay. 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 |
At a $75,000 salary, contributing 6% ($4,500) earns the full employer match of $4,500 for the year.
What the filing says, word for word
“The Company contributes on behalf of each eligible participant, an amount equal to 100% of the participant’s contribution up to 6% of eligible compensation.”
Source: Form 11-K filed June 26, 2026, SEC EDGAR · SEC ↗
What did ACCO Brands' 401(k) match used to be?
ACCO Brands changed its 401(k) match. The formula in force now is 100% (dollar-for-dollar) of the first 6% of pay.
| Current | 100% (dollar-for-dollar) of the first 6% of pay |
|---|---|
| Before | Effective January 1, 2026, in accordance with Section 603 of SECURE 2.0, the Company contributes on behalf of each eligible participant an amount equal to 100% of the participant's contribution up to 4% of eligible compensation. This is a subsequent event disclosed in Note 8 and applies after, not during, the plan year ended December 31, 2025 covered by this filing. |
What is ACCO Brands' 401(k) vesting schedule?
ACCO Brands vests the employer match immediately: 100% is yours as soon as it is paid in. Nothing is forfeited when you leave, which is not true of the two schedules that vest over time.
| Employer match vesting | Immediate: employer match is 100% vested when contributed |
|---|---|
| Your own contributions | Immediate: always 100% yours |
Vesting, word for word
“Company safe harbor and non-safe harbor matching contributions, as well as any investment earnings on those contributions, are 100% vested immediately.”
Source: Form 11-K filed June 26, 2026, SEC EDGAR · SEC ↗
Who can join ACCO Brands' 401(k), and is enrollment automatic?
ACCO Brands enrolls new hires automatically at 6% of pay.
| Plan entry | Generally, all employees of the Company are immediately eligible to participate in the Plan. |
|---|---|
| Excluded groups | Sidney Union Employees are no longer eligible to participate in the Plan, effective upon the closure of the Sidney, New York location on October 18, 2024. |
| Automatic enrollment | Yes: default deferral 6% of pay; 90-day opt-out window; default investment: T. Rowe Price Retirement fund designed for the participant's age group |
Eligibility, word for word
“Generally, all employees of the Company are immediately eligible to participate in the Plan. In connection with the closure of the Sidney, New York location on October 18, 2024, Sidney Union Employees are no longer eligible to participate in the Plan, effective as of the closure of that facility.”
Automatic enrollment, word for word
“New hires who do not decline enrollment in the Plan within 90 days after first becoming eligible to join the Plan, will be automatically enrolled in the Plan and a pre-tax contribution of 6% will be deducted from the participant’s pay and invested in the T. Rowe Price Retirement fund designed for the participant’s age group.”
Source: Form 11-K filed June 26, 2026, SEC EDGAR · SEC ↗
Who holds your account
Schedule C of the Form 5500 filed for plan year 2024 reports Fidelity Investments, filed as “FIDELITY INVESTMENTS INSTITUTIONAL”. 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.
Matched to this employer by sponsor name, not by an identifier stated in the filing. This record could cover another plan of the same employer.
10,593 plans on file name Fidelity Investments as their recordkeeper. Of those, the 10,022 with a computable fee have a median plan-paid cost of $97.71 per participant.
Participants log in at Fidelity NetBenefits ↗. 401(k) Monitor is not affiliated with Fidelity Investments or with any other recordkeeper, and takes nothing for this link. It is here because that is where the account is.
| Recordkeeper | Fidelity Investments |
|---|---|
| Recordkeeper EIN | 042647786 |
What does the ACCO Brands plan report on Form 5500?
The ACCO Brands plan reported $381.5M in assets and 2,652 participants for plan year 2024.
Matched to this employer by sponsor name, not by an identifier stated in the filing. This record could cover another plan of the same employer.
| Plan named in the DOL record | Acco Brands Corporation 401(k) Plan |
|---|---|
| Total plan assets | $381,520,867 |
| Participants | 2,652 |
| Plan-paid admin cost per participant | $94.52 |
How that cost compares
This plan pays $94.52 per participant. The median across plans in medical devices and other manufacturing is $125.72, from the 1,386 of 1,455 whose Form 5500 yields a per-participant cost.
Read from the Form 5500 filing of Acco Brands Corporation 401(k) Plan, which has no page of its own here.
How does ACCO Brands' 401(k) match compare?
ACCO Brands Corp'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 medical devices and other manufacturing, two report the same recordkeeper and one vests on the same schedule.
Maximum match 5% of pay. Also in medical devices and other manufacturing.
Maximum match 6% of pay. Also in medical devices and other manufacturing.
Maximum match 5% of pay. Also in medical devices and other manufacturing.
Maximum match 5% of pay. Same recordkeeper, Fidelity Investments.
Maximum match 6% of pay. Same recordkeeper, Fidelity Investments.
Maximum match 3% of pay. Vests immediately too, like ACCO Brands.
What can you do next?
- Read the Form 11-K on SEC EDGAR ↗
Form 11-K filed June 26, 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 ACCO Brands Corp's 401(k) match?
ACCO Brands Corp matches 100% of employee contributions up to 6% of eligible pay (plan year ended December 31, 2025).
When does the ACCO Brands Corp 401(k) match vest?
Immediate: employer match is 100% vested when contributed.
Does ACCO Brands Corp's 401(k) plan have automatic enrollment?
Yes: default deferral 6% of pay; 90-day opt-out window; default investment: T. Rowe Price Retirement fund designed for the participant's age group.
Who is the recordkeeper for ACCO Brands Corp's 401(k)?
Fidelity Investments is named as the recordkeeper on the Form 5500 filed for Acco Brands Corporation 401(k) 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. Matched to this employer by sponsor name, not by an identifier stated in the filing. This record could cover another plan of the same employer.
Did ACCO Brands Corp change its 401(k) match?
Yes. Effective January 1, 2026, in accordance with Section 603 of SECURE 2.0, the Company contributes on behalf of each eligible participant an amount equal to 100% of the participant's contribution up to 4% of eligible compensation. This is a subsequent event disclosed in Note 8 and applies after, not during, the plan year ended December 31, 2025 covered by this filing. The current terms took effect as stated in the filing.
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 ACCO Brands Corp 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 | ACCO Brands Corp |
| SEC CIK | 712034 |
| Accession number | 0001193125-26-285461 |
| Plan | ACCO Brands Corporation 401(k) Plan |
| Period of report | December 31, 2025 |
| Filed | June 26, 2026 |
401(k) Monitor is not affiliated with ACCO Brands Corp, 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, “ACCO Brands Corp 401(k) plan facts”, from SEC Form 11-K accession 0001193125-26-285461, plan year ended December 31, 2025.
