Becton, Dickinson and Company 401(k) match: 4.5% max
BD 401(k) Plan · BDX · CIK 10795
Maximum employer match, as a share of pay
4.5%
Becton, Dickinson and Company matches 75% of the first 6% of pay.
Becton, Dickinson's Form 11-K filings for plan year 2025 describe two separate 401(k) plans. The terms on this page are read from the BD 401(k) Plan. Not all of them state a match formula, so each one is listed below with the group it covers and what its filing says.
From the Form 11-K filed June 29, 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 · what the plan reports to the DOL · how it compares · what to do next
Which Becton, Dickinson 401(k) plan are you in?
Becton, Dickinson's Form 11-K filings for this plan year describe two plans, and not all of them state a match formula. Find the plan you are in before you take a number off this page. The terms in the rest of the page are read from the BD 401(k) Plan.
BD 401(k) Plan (the plan this page answers for)
The filing states no limit on who this plan covers · Form 11-K ↗
4.5% of pay, at most
BD Savings Plan for Puerto Rico Employees
Employees in Puerto Rico · Form 11-K ↗
Match not stated as a formula
One row per plan, taken from the two Form 11-K reports 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 Becton, Dickinson puts in, and what the plan costs
What Becton, Dickinson put into the plan, per active participant
$7,004
Becton, Dickinson and Company put $7,004 into this plan for each of its 21,926 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.
Becton, Dickinson put in more per active participant than 80% of plans with 5,000+ participants in medical devices and other manufacturing. The middle plan in that group of 81 reported $4,432. Medical devices and other manufacturing comes from business code 339110, which Becton, Dickinson 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 Becton, Dickinson 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 220760120, plan 011 · DOL EFAST2 ↗
The $7,004 above is the Form 5500 figure for plan year 2024, and it counts every employer dollar on one line. Becton, Dickinson and Company also files a Form 11-K, which states the match formula for plan year 2025: the card below reads $2,228 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 Becton, Dickinson puts in
$2,228
a year, at a $49,500 salary.
The match paragraph, word for word
“Individual employee contributions of up to 6% of eligible compensation are eligible for a matching Company contribution. The Board of Directors of the Company may, within prescribed limits, establish, from time to time, the rate of Company contributions. The Plan authorizes the Company to make bi-weekly contributions to the Plan in an amount equal to 75% of eligible employee contributions during said period less any forfeitures.”
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
60.71 out of 100
How fast the employer’s money becomes yours. Higher than 28% of the 253 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%, 50%, 75%, 100%, 100%, 100%. The score is the average of those 7 readings.
Vesting, word for word
“Full Years of Service Percentage Less than 2 years —% 2 years but less than 3 years 50 3 years but less than 4 years 75 4 years or more 100 Participants become fully vested on the date of termination of employment by reasons of death, retirement or disability, or attainment of age 65.”
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
15th percentile
$20.36 per participant in plan-paid administrative cost, cheaper than 85% of plans with 5,000+ participants.
What is Becton, Dickinson's 401(k) match formula?
Becton, Dickinson's 401(k) employer match tops out at 4.5% 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 | 75% of the first 6% of pay |
|---|---|
| Maximum employer match | 4.5% of compensation |
| Deposited | Each payroll |
| Conditions | The Board of Directors may establish the rate of Company contributions from time to time within prescribed limits. Announced change: effective January 1, 2027 the Company will make bi-weekly contributions equal to 100% of eligible employee contributions and the non-elective contribution will be discontinued. |
| Other employer contribution | Non-elective contribution paid as a lump sum after the end of each plan year, calculated as a percentage of eligible compensation (rate not stated in the filing); beginning October 1, 2024 all employees became eligible; to be discontinued effective January 1, 2027 |
At a $90,000 salary, contributing 6% ($5,400) earns the full employer match of $4,050 for the year.
What the filing says, word for word
“Individual employee contributions of up to 6% of eligible compensation are eligible for a matching Company contribution. The Board of Directors of the Company may, within prescribed limits, establish, from time to time, the rate of Company contributions. The Plan authorizes the Company to make bi-weekly contributions to the Plan in an amount equal to 75% of eligible employee contributions during said period less any forfeitures.”
Source: Form 11-K filed June 29, 2026, SEC EDGAR, corroborated by the filing's inline-XBRL facts · SEC ↗
What is Becton, Dickinson's 401(k) vesting schedule?
Becton, Dickinson vests the employer match on a graded schedule: 50% after two years, rising to 100% after four. Each step is money that leaves with you that year, which is how a graded schedule differs from a cliff.
| Employer match vesting | Graded: 50% at 2 yr, 75% at 3 yr, 100% at 4 yr |
|---|---|
| Your own contributions | Immediate: always 100% yours |
| Year of service | Full years of service; 0% vested below 2 years |
| Accelerated vesting | Fully vested upon termination of employment by reason of death, retirement or disability, or attainment of age 65; 100% vested upon Plan termination |
| Other employer contributions | The same graded schedule applies to non-elective contributions |
Vesting, word for word
“Full Years of Service Percentage Less than 2 years —% 2 years but less than 3 years 50 3 years but less than 4 years 75 4 years or more 100 Participants become fully vested on the date of termination of employment by reasons of death, retirement or disability, or attainment of age 65.”
Source: Form 11-K filed June 29, 2026, SEC EDGAR · SEC ↗
Who can join Becton, Dickinson's 401(k), and is enrollment automatic?
Becton, Dickinson enrolls new hires automatically at 6% of pay.
| Plan entry | Full-time and part-time employees of the Company and certain domestic subsidiaries are eligible on the first enrollment date coincident with or next following their date of hire; temporary employees after completing 1,000 hours of service |
|---|---|
| Automatic enrollment | Yes: default deferral 6% of pay |
Eligibility, word for word
“Full-time and part-time employees of the Company and certain of its domestic subsidiaries are eligible for participation in the Plan on the first enrollment date coincident with or next following their date of hire. Temporary employees are eligible for participation in the Plan after the completion of 1,000 hours of service as defined by the Plan.”
Automatic enrollment, word for word
“Employees who do not make an election not to participate are automatically enrolled at a deferral rate of 6% of eligible compensation.”
Source: Form 11-K filed June 29, 2026, SEC EDGAR · SEC ↗
What does the Becton, Dickinson plan report on Form 5500?
The Becton, Dickinson plan reported $5.8B in assets and 32,123 participants for plan year 2024.
| Total plan assets | $5,839,057,063 |
|---|---|
| Participants | 32,123 |
| Recordkeeper | Fidelity Investments |
| Plan-paid admin cost per participant | $20.36 |
How that cost compares
This plan pays $20.36 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.
The plan reports Fidelity Investments as its recordkeeper, one of 10,593 plans it runs in the data we publish. Of those, the 10,022 with a computable fee have a median plan-paid cost of $97.71 per participant.
BD 401(k) Plan on its Form 5500 filing: fees, providers and financials
How does Becton, Dickinson's 401(k) match compare?
Becton, Dickinson and Company's maximum 401(k) match of 4.5% of pay compares with a median of 4.5% across the 181 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 4% of pay. Also in medical devices and other manufacturing.
Maximum match 4.5% of pay. Also in medical devices and other manufacturing.
Maximum match 4% of pay. Also in medical devices and other manufacturing.
Maximum match 4% of pay. Same recordkeeper, Fidelity Investments.
Maximum match 4.5% of pay. Same recordkeeper, Fidelity Investments.
Maximum match 5% of pay. Also fully vested after 4 years, like Becton, Dickinson.
Compare Becton, Dickinson and Company with any company, side by side
What do Becton, Dickinson's other 401(k) plans say?
BD Savings Plan for Puerto Rico Employees
Employees in Puerto Rico
Becton, Dickinson and Company discloses only part of its match terms in the 11-K for the plan year ended December 31, 2025.
- Employer match vesting
- Graded: 50% at 2 yr, 75% at 3 yr, 100% at 4 yr
- Automatic enrollment
- Not mentioned in the filing (not proof of absence)
What the filing says, word for word
“The Employer shall make a matching contribution up to 4% of compensation. The Plan allows for an additional non-elective contribution for all employees of the Puerto Rico Branch of Bard Shannon, LTD., all employees of Edwards Lifesciences Technology S.a.r.l., and all employees hired/rehired on or after January 1, 2019 by the Puerto Rico Branch of Becton Dickinson Caribe LTD. The non-elective contribution under the Plan consists of a lump sum payment made to eligible participants’ accounts following the end of each plan year based on eligible compensation, if participant remains actively employed on the last business day of the plan year.”
What can you do next?
Check your own balance and contribution rate at Fidelity NetBenefits ↗, the recordkeeper this plan reports.
- Read the Form 11-K on SEC EDGAR ↗
Form 11-K filed June 29, 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.
- Download this data (CSV)
Formula, vesting and source references for this company, one file.
Questions this filing answers
What is Becton, Dickinson and Company's 401(k) match?
Becton, Dickinson and Company matches 75% of employee contributions up to 6% of eligible pay (plan year ended December 31, 2025).
When does the Becton, Dickinson and Company 401(k) match vest?
Graded: 50% at 2 yr, 75% at 3 yr, 100% at 4 yr.
Does Becton, Dickinson and Company's 401(k) plan have automatic enrollment?
Yes: default deferral 6% of pay.
Cite: 401(k) Monitor, “Becton, Dickinson and Company 401(k) plan facts”, from SEC Form 11-K accession 0001628280-26-046000, plan year ended 2025-12-31.