Cal-Maine Foods, Inc. 401(k) match
Cal-Maine Foods, Inc. KSOP · CALM · CIK 16160
The 401(k) employer match
No employer match
Cal-Maine Foods, Inc.'s filing discloses no employer matching contribution for this plan.
From the Form 11-K filed June 5, 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 Cal-Maine Foods puts in, and what the plan costs
What Cal-Maine Foods put into the plan, per active participant
$1,490
Cal-Maine Foods, Inc. put $1,490 into this plan for each of its 3,160 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.
Cal-Maine Foods put in less per active participant than 64% of plans with 1,000–4,999 participants in food, beverage and tobacco manufacturing. The middle plan in that group of 255 reported $2,235. Food, beverage and tobacco comes from business code 311500, which Cal-Maine Foods 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 Cal-Maine Foods 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 640500378, plan 001 · DOL EFAST2 ↗
The $1,490 above is the Form 5500 figure for plan year 2024, and it counts every employer dollar on one line. Cal-Maine Foods, Inc. also files a Form 11-K, which states what the employer contributes for plan year 2025: the card below reads $1,485 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 Cal-Maine Foods puts in
$1,485
a year, at a $49,500 salary.
The filing discloses no match. The employer contributes 3% of pay on its own, whether or not the worker contributes.
The match paragraph, word for word
“The Company made safe harbor nonelective contributions equal to 3 % of compensation during the years ended December 31, 2025 and 2024.”
What you contribute to collect all of it
Nothing.
There is no match to collect. The employer contributes whether or not you do.
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
“Participants are vested immediately in their contributions and Company safe harbor contributions plus actual earnings thereon.”
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
39th percentile
$68.36 per participant in plan-paid administrative cost, cheaper than 61% of plans with 1,000–4,999 participants.
What is Cal-Maine Foods' 401(k) match formula?
Cal-Maine Foods' filing discloses no employer matching contribution for this plan. Employer money that does not depend on what you put in is not a match, whatever the plan calls it. What counts as a match sets out the difference.
| Other employer contribution | The Company made safe harbor nonelective contributions equal to 3% of compensation during the years ended December 31, 2025 and 2024; these contributions are initially invested in Cal-Maine Foods, Inc. common stock |
|---|---|
| Other employer contribution | The Company can also make additional discretionary nonelective contributions; none were made for the years ended December 31, 2025 or 2024 |
What the filing says, word for word
“The Company made safe harbor nonelective contributions equal to 3 % of compensation during the years ended December 31, 2025 and 2024.”
Source: Form 11-K filed June 5, 2026, SEC EDGAR, corroborated by the filing's inline-XBRL facts · SEC ↗
What is Cal-Maine Foods' 401(k) vesting schedule?
Cal-Maine Foods vests employer contributions to the plan 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
“Participants are vested immediately in their contributions and Company safe harbor contributions plus actual earnings thereon.”
Source: Form 11-K filed June 5, 2026, SEC EDGAR · SEC ↗
Who can join Cal-Maine Foods' 401(k), and is enrollment automatic?
Cal-Maine Foods enrolls new hires automatically at 3% of pay, rising 1% a year to 5% of pay.
| Plan entry | Each employee, except leased employees, collective bargaining employees, contract employees, and employees of independent contractors shall become eligible to participate in the Plan on the first day of the month following or coinciding with the employee attaining 18 years of age and six months of service. |
|---|---|
| Excluded groups | except leased employees, collective bargaining employees, contract employees, and employees of independent contractors |
| Automatic enrollment | Yes: default deferral 3% of pay; auto-escalation +1%/yr to 5% |
Eligibility, word for word
“Each employee, except leased employees, collective bargaining employees, contract employees, and employees of independent contractors shall become eligible to participate in the Plan on the first day of the month following or coinciding with the employee attaining 18 years of age and six months of service.”
Automatic enrollment, word for word
“The automatic deferral percentage for new participants is 3 % of compensation. A participant may elect not to participate or to defer a different percentage of their compensation. Employee deferrals will automatically increase by one percent ( 1 %) on the first day of each Plan year, up to a maximum of 5 %.”
Source: Form 11-K filed June 5, 2026, SEC EDGAR · SEC ↗
What does the Cal-Maine Foods plan report on Form 5500?
The Cal-Maine Foods plan reported $291.2M in assets and 3,049 participants for plan year 2024.
| Total plan assets | $291,151,010 |
|---|---|
| Participants | 3,049 |
| Recordkeeper | Empower |
| Plan-paid admin cost per participant | $68.36 |
How that cost compares
This plan pays $68.36 per participant. The median across plans in food, beverage and tobacco manufacturing is $108.05, from the 1,292 of 1,356 whose Form 5500 yields a per-participant cost.
The plan reports Empower as its recordkeeper, one of 7,876 plans it runs in the data we publish. Of those, the 7,814 with a computable fee have a median plan-paid cost of $165.69 per participant.
Cal-Maine Foods, Inc. Ksop on its Form 5500 filing: fees, providers and financials
How does Cal-Maine Foods' 401(k) match compare?
Cal-Maine Foods, Inc. pays no employer 401(k) match. Across the 181 companies in our data with a computable formula, the median maximum match is 4.5% of pay.
Employers worth reading next
Of the six employers below, two disclose no employer match either, three file in food, beverage and tobacco manufacturing and one reports the same recordkeeper.
No match; the employer contributes on its own. Discloses no employer match either.
No employer match in the filing. Discloses no employer match either.
Maximum match 6% of pay. Also in food, beverage and tobacco manufacturing.
Match vests in steps, 100% after 5 years. Also in food, beverage and tobacco manufacturing.
Maximum match 5% of pay. Also in food, beverage and tobacco manufacturing.
Maximum match 9.3% of pay. Same recordkeeper, Empower.
Compare Cal-Maine Foods, Inc. with any company, side by side
What can you do next?
Check your own balance and contribution rate at Empower ↗, the recordkeeper this plan reports.
- Read the Form 11-K on SEC EDGAR ↗
Form 11-K filed June 5, 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 Cal-Maine Foods, Inc.'s 401(k) match?
Cal-Maine Foods, Inc.'s filing discloses no employer matching contribution for this plan (plan year ended December 31, 2025). Cal-Maine Foods, Inc.'s Form 5500 for plan year 2024 reports $1,490 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 Cal-Maine Foods, Inc. 401(k) match vest?
Immediate: employer match is 100% vested when contributed.
Does Cal-Maine Foods, Inc.'s 401(k) plan have automatic enrollment?
Yes: default deferral 3% of pay; auto-escalation +1%/yr to 5%.
Cite: 401(k) Monitor, “Cal-Maine Foods, Inc. 401(k) plan facts”, from SEC Form 11-K accession 0001562762-26-000072, plan year ended 2025-12-31.