The Boeing Company 401(k) match: vests immediately
The Boeing Company 401(k) Retirement Plan · BA · CIK 12927
The 401(k) employer match
Not stated in this filing
The Boeing Company's Form 11-K does not state a 401(k) match formula and defers to the plan document.
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: 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
What Boeing puts in, and what the plan costs
What Boeing put into the plan, per active participant
$9,911
The Boeing Company put $9,911 into this plan for each of its 143,146 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.
Boeing put in more per active participant than 94% of plans with 5,000+ participants in aerospace and vehicle manufacturing. The middle plan in that group of 69 reported $4,233. Aerospace and vehicle manufacturing comes from business code 336410, which Boeing 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 Boeing 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 910425694, plan 002 · DOL EFAST2 ↗
What Boeing puts in
Not stated in the filing
The filing does not disclose a match formula.
The Form 5500 for this plan reports what Boeing actually paid in: the figure and its peer comparison are above. It is the whole employer side of the plan on one line, so it answers what went in rather than what the formula promises.
Two places state the terms in full: your plan’s Summary Plan Description, which your employer must provide on request, and your recordkeeper’s site, the one you log in to for your balance.
What you contribute to collect all of it
Not stated in the filing
The filing does not state the contribution rate that collects the full employer contribution.
Vesting score
100 out of 100
How fast the employer’s money becomes yours. Higher than 48% 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: 100%, 100%, 100%, 100%, 100%, 100%, 100%. The score is the average of those 7 readings.
Vesting, word for word
“Vesting — Member contributions, Boeing’s contributions, and earnings on those contributions are immediately vested.”
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
“Under the terms of the Plan, Boeing makes employer matching and Company contributions for eligible Members. Catch-up contributions are ineligible for an employer matching contribution for certain Members. During 2025 and 2024, Boeing’s contributions were made in the form of shares of Company common stock and immediately transferred to other investment funds in accordance with Members’ current investment elections. Employer contributions receivables as of December 31, 2025 and 2024, included the following: 2025 2024 Employer matching and Company contributions $ 41 $ — Employer matching true-up contributions 11 29 Student loan matching contributions 6 21”
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
Not reported
The Form 5500 filing does not report the plan-paid administrative expenses this figure needs.
What is Boeing's 401(k) match formula?
Boeing's Form 11-K does not disclose a 401(k) match formula and defers to the plan document. The plan pays an annual true-up. How a match formula is built sets out the parts to look for in your own plan documents.
| True-upA year-end recalculation that repays match lost to uneven contributions. | Yes, annual true-up |
|---|---|
| Paid in company stock | Yes |
| Conditions | Catch-up contributions are ineligible for an employer matching contribution for certain Members; employer matching contributions are suspended for six months following a hardship withdrawal for certain Members |
| Other employer contribution | Company contributions (non-matching employer contributions made alongside the match), rate not disclosed in the filing |
| Other employer contribution | Student loan matching contributions (employer contributions receivable of $6 million at December 31, 2025) |
What the filing says, word for word
“Under the terms of the Plan, Boeing makes employer matching and Company contributions for eligible Members. Catch-up contributions are ineligible for an employer matching contribution for certain Members. During 2025 and 2024, Boeing’s contributions were made in the form of shares of Company common stock and immediately transferred to other investment funds in accordance with Members’ current investment elections. Employer contributions receivables as of December 31, 2025 and 2024, included the following: 2025 2024 Employer matching and Company contributions $ 41 $ — Employer matching true-up contributions 11 29 Student loan matching contributions 6 21”
Source: Form 11-K filed June 16, 2026, SEC EDGAR · SEC ↗
What is Boeing's 401(k) vesting schedule?
Boeing 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 |
| Other employer contributions | Boeing's contributions and earnings on those contributions are immediately vested |
Vesting, word for word
“Vesting — Member contributions, Boeing’s contributions, and earnings on those contributions are immediately vested.”
Source: Form 11-K filed June 16, 2026, SEC EDGAR · SEC ↗
Who can join Boeing's 401(k), and is enrollment automatic?
Boeing enrolls new hires automatically; the filing does not state the default deferral rate.
| Plan entry | An eligible employee of The Boeing Company or one of its adopting subsidiaries becomes eligible to participate on the first day of employment |
|---|---|
| Automatic enrollment | Yes: default investment: Qualified default investment alternative (QDIA); the current QDIA is the applicable custom target date fund |
Eligibility, word for word
“An eligible employee of The Boeing Company (the “Company” or “Boeing”) or one of its adopting subsidiaries becomes eligible to participate on the first day of employment.”
Automatic enrollment, word for word
“The Plan includes an auto-enrollment provision for newly-eligible employees unless they affirmatively elect not to participate in the Plan. Automatically enrolled Members have their deferral rate set at a percentage of eligible compensation as defined in the plan document and their contributions are invested in a qualified default investment alternative (“QDIA”) until changed by the Members. The current QDIA for the Plan is the applicable custom target date fund.”
Source: Form 11-K filed June 16, 2026, SEC EDGAR · SEC ↗
What does the Boeing plan report on Form 5500?
The Boeing plan reported $73.9B in assets and 216,698 participants for plan year 2024.
| Total plan assets | $73,910,477,714 |
|---|---|
| Participants | 216,698 |
| Recordkeeper | The Northern Trust Company (Trustee Of The Boeing Company Employee Savings Plans Master Trust) |
How that cost compares
It is one of 934 plans in aerospace and vehicle manufacturing in the Form 5500 data we publish.
The Boeing Company 401(k) Retirement Plan on its Form 5500 filing: fees, providers and financials
How does Boeing's 401(k) match compare?
The Boeing Company's filing does not state a maximum 401(k) match as a share of pay. Across the 181 companies in our data that do, the median is 4.5% of pay.
Employers worth reading next
Of the six employers below, three file in aerospace and vehicle manufacturing and three vest on the same schedule.
Maximum match 5% of pay. Also in aerospace and vehicle manufacturing.
Employer match vests immediately. Also in aerospace and vehicle manufacturing.
Maximum match 4.5% of pay. Also in aerospace and vehicle manufacturing.
Maximum match 4% of pay. Vests immediately too, like Boeing.
Maximum match 6% of pay. Vests immediately too, like Boeing.
Maximum match 4% of pay. Vests immediately too, like Boeing.
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.
- Download this data (CSV)
Formula, vesting and source references for this company, one file.
Questions this filing answers
What is The Boeing Company's 401(k) match?
The Boeing Company's 11-K for the plan year ended December 31, 2025 does not disclose a match formula; it defers to the plan document and prospectus. The Boeing Company's Form 5500 for plan year 2024 reports $9,911 of employer money per active participant. 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.
When does the The Boeing Company 401(k) match vest?
Immediate: employer match is 100% vested when contributed.
Does The Boeing Company's 401(k) plan have automatic enrollment?
Yes: default investment: Qualified default investment alternative (QDIA); the current QDIA is the applicable custom target date fund.
Cite: 401(k) Monitor, “The Boeing Company 401(k) plan facts”, from SEC Form 11-K accession 0001628280-26-043510, plan year ended 2025-12-31.