Avery Dennison Corporation 401(k): Fidelity, match 3.5% max
Avery Dennison Corporation Employee Savings Plan · AVY · CIK 8818
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
3.5%
Avery Dennison Corporation matches 50% of the first 7% of pay.
From the Form 11-K filed June 16, 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: 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
What Avery Dennison puts in, and what the plan costs
What Avery Dennison puts in
$1,733
a year, at a $49,500 salary.
The match paragraph, word for word
“The Company makes an automatic contribution to the Plan equal to 3% of an eligible employee’s eligible compensation regardless of the participant's contributions and a matching contribution of 50% of the first 7% of eligible compensation that is contributed by an eligible employee each pay period.”
What you contribute to collect all of it
Contribute at least 7% of your pay to collect the full match.
That is $3,465 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
“Participant contributions and earnings thereon are immediately fully vested. Company contributions and earnings thereon are fully vested after two years of service. Company contributions also vest upon a participant’s death or 65th birthday, or if the Plan is terminated or discontinued, provided in each case that the participant is an employee at the time.”
The plan tops the match up after year end, so contributing unevenly through the year does not cost the worker part of it.
The same match paragraph, word for word
“The Company makes an automatic contribution to the Plan equal to 3% of an eligible employee’s eligible compensation regardless of the participant's contributions and a matching contribution of 50% of the first 7% of eligible compensation that is contributed by an eligible employee each pay period.”
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
82nd percentile
$98.21 per participant in plan-paid administrative cost, more expensive than 82% of plans with 5,000+ participants.
What is Avery Dennison's 401(k) match formula?
Avery Dennison's 401(k) employer match tops out at 3.5% of pay. The match is deposited each payroll and the plan pays an annual true-up. What an annual true-up repays is the arithmetic behind that line: it matters most in a year when contributions land unevenly.
| Match formula | 50% of the first 7% of pay |
|---|---|
| Maximum employer match | 3.5% of compensation |
| True-upA year-end recalculation that repays match lost to uneven contributions. | Yes, annual true-up |
| Deposited | Each payroll |
| Paid in company stock | Yes |
| Other employer contribution | Automatic company contribution equal to 3% of an eligible employee's eligible compensation regardless of the participant's own contributions |
At a $75,000 salary, contributing 7% ($5,250) earns the full employer match of $2,625 for the year.
What the filing says, word for word
“The Company makes an automatic contribution to the Plan equal to 3% of an eligible employee’s eligible compensation regardless of the participant's contributions and a matching contribution of 50% of the first 7% of eligible compensation that is contributed by an eligible employee each pay period.”
Source: Form 11-K filed June 16, 2026, SEC EDGAR · SEC ↗
What is Avery Dennison's 401(k) vesting schedule?
Avery Dennison 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 |
| Accelerated vesting | Company contributions also vest upon a participant’s death or 65th birthday, or if the Plan is terminated or discontinued, provided in each case that the participant is an employee at the time. Participants who die while performing qualified military service become fully vested in their Company contributions and earnings thereon. |
Vesting, word for word
“Participant contributions and earnings thereon are immediately fully vested. Company contributions and earnings thereon are fully vested after two years of service. Company contributions also vest upon a participant’s death or 65th birthday, or if the Plan is terminated or discontinued, provided in each case that the participant is an employee at the time.”
Source: Form 11-K filed June 16, 2026, SEC EDGAR · SEC ↗
Who can join Avery Dennison's 401(k), and is enrollment automatic?
Avery Dennison enrolls new hires automatically at 7% of pay, rising 1% a year to 15% of pay.
| Plan entry | Eligible employees are automatically enrolled in the Plan with a pretax contribution rate of 7% after 30 days of employment, unless the employee affirmatively elects not to participate. |
|---|---|
| Automatic enrollment | Yes: default deferral 7% of pay; 30-day opt-out window; auto-escalation +1%/yr to 15%; default investment: the Plan's applicable qualified default investment alternative |
Eligibility, word for word
“The Plan covers eligible U.S. employees of Avery Dennison Corporation (the “Company”), the Plan Sponsor and, through the Company's Administrative Committee, the Plan Administrator.”
Automatic enrollment, word for word
“Eligible employees are automatically enrolled in the Plan with a pretax contribution rate of 7% after 30 days of employment, unless the employee affirmatively elects not to participate.”
Source: Form 11-K filed June 16, 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 Avery Dennison plan report on Form 5500?
The Avery Dennison plan reported $1.4B in assets and 8,698 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 | Avery Dennison Corporation Employee Savings Plan |
|---|---|
| Total plan assets | $1,358,346,471 |
| Participants | 8,698 |
| Plan-paid admin cost per participant | $98.21 |
How that cost compares
This plan pays $98.21 per participant. The median across plans in industrial and materials manufacturing is $142.19, from the 5,709 of 6,008 whose Form 5500 yields a per-participant cost.
How does Avery Dennison's 401(k) match compare?
Avery Dennison Corporation's maximum 401(k) match of 3.5% 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 industrial and materials manufacturing, two report the same recordkeeper and one vests on the same schedule.
Maximum match 3% of pay. Also in industrial and materials manufacturing.
Maximum match 3.5% of pay. Also in industrial and materials manufacturing.
Maximum match 3% of pay. Also in industrial and materials manufacturing.
Maximum match 3% of pay. Same recordkeeper, Fidelity Investments.
Maximum match 3.75% of pay. Same recordkeeper, Fidelity Investments.
Maximum match 4% of pay. Same 2-year cliff as Avery Dennison.
Compare Avery Dennison Corporation with any company, side by side
What can you do next?
- Read the Form 11-K on SEC EDGAR ↗
Form 11-K filed June 16, 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 Avery Dennison Corporation's 401(k) match?
Avery Dennison Corporation matches 50% of employee contributions up to 7% of eligible pay (plan year ended December 31, 2025).
When does the Avery Dennison Corporation 401(k) match vest?
Cliff: 100% vested after 2 years of service.
Does Avery Dennison Corporation's 401(k) plan have automatic enrollment?
Yes: default deferral 7% of pay; 30-day opt-out window; auto-escalation +1%/yr to 15%; default investment: the Plan's applicable qualified default investment alternative.
Who is the recordkeeper for Avery Dennison Corporation's 401(k)?
Fidelity Investments is named as the recordkeeper on the Form 5500 filed for Avery Dennison Corporation Employee 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. 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.
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 Avery Dennison Corporation 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 | Avery Dennison Corporation |
| SEC CIK | 8818 |
| Accession number | 0000008818-26-000120 |
| Plan | Avery Dennison Corporation Employee Savings Plan |
| Period of report | December 31, 2025 |
| Filed | June 16, 2026 |
401(k) Monitor is not affiliated with Avery Dennison Corporation, 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, “Avery Dennison Corporation 401(k) plan facts”, from SEC Form 11-K accession 0000008818-26-000120, plan year ended December 31, 2025.
