Cincinnati Financial Corporation 401(k) match: 6% max
Cincinnati Financial Corporation Tax-Qualified Savings Plan · CINF · CIK 20286
Maximum employer match, as a share of pay
6%
Cincinnati Financial Corporation matches 100% (dollar-for-dollar) of the first 6% of pay.
From the Form 11-K filed June 17, 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 Cincinnati Financial puts in, and what the plan costs
What Cincinnati Financial put into the plan, per active participant
$5,133
Cincinnati Financial Corporation put $5,133 into this plan for each of its 5,564 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.
Cincinnati Financial put in more per active participant than 51% of plans with 5,000+ participants in insurance. The middle plan in that group of 98 reported $5,049. Insurance comes from business code 524150, which Cincinnati Financial 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 Cincinnati Financial 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 310746871, plan 002 · DOL EFAST2 ↗
The $5,133 above is the Form 5500 figure for plan year 2024, and it counts every employer dollar on one line. Cincinnati Financial Corporation 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, 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 Cincinnati Financial puts in
$2,970
a year, at a $49,500 salary.
The match paragraph, word for word
“Participants are eligible for a Company match of 100% up to the first 6% of eligible compensation on a per-pay-period basis; however, those participants who accrue benefits under the Cincinnati Financial Corporation Retirement Plan are not eligible for the Company match.”
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
57.14 out of 100
How fast the employer’s money becomes yours. Higher than 4% 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%, 0%, 100%, 100%, 100%, 100%. The score is the average of those 7 readings.
Vesting, word for word
“Participants are vested immediately in their contributions plus actual earnings thereon and vested in any Company matching contribution and profit-sharing contribution attributed to them plus actual earnings thereon after three years of eligible service. Unvested participants who are employed by the Company become fully vested in any Company and profit-sharing contribution attributed to them upon reaching age 65 or as defined in the plan.”
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
“Participants are eligible for a Company match of 100% up to the first 6% of eligible compensation on a per-pay-period basis; however, those participants who accrue benefits under the Cincinnati Financial Corporation Retirement Plan are not eligible for the Company match.”
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
84th percentile
$101.62 per participant in plan-paid administrative cost, more expensive than 84% of plans with 5,000+ participants.
What is Cincinnati Financial's 401(k) match formula?
Cincinnati Financial's 401(k) employer match tops out at 6% 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 | 100% (dollar-for-dollar) of the first 6% of pay |
|---|---|
| Maximum employer match | 6% of compensation |
| True-upA year-end recalculation that repays match lost to uneven contributions. | Yes, annual true-up |
| Deposited | Each payroll |
| Conditions | Participants who accrue benefits under the Cincinnati Financial Corporation Retirement Plan are not eligible for the Company match. |
| Other employer contribution | Discretionary profit-sharing contribution to participants not enrolled in the Company's high-deductible group health plan; none was made during 2025 or 2024 |
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
“Participants are eligible for a Company match of 100% up to the first 6% of eligible compensation on a per-pay-period basis; however, those participants who accrue benefits under the Cincinnati Financial Corporation Retirement Plan are not eligible for the Company match.”
Source: Form 11-K filed June 17, 2026, SEC EDGAR, corroborated by the filing's inline-XBRL facts · SEC ↗
What is Cincinnati Financial's 401(k) vesting schedule?
Cincinnati Financial vests the employer match on a cliff schedule: nothing is yours until three years of service, then 100% at once. Leave a day early and the employer money goes back to the plan, the edge a three-year cliff creates.
| Employer match vesting | Cliff: 100% vested after 3 years of service |
|---|---|
| Your own contributions | Immediate: always 100% yours |
| Accelerated vesting | Unvested participants who are employed by the Company become fully vested in any Company and profit-sharing contribution attributed to them upon reaching age 65 or as defined in the plan. |
Vesting, word for word
“Participants are vested immediately in their contributions plus actual earnings thereon and vested in any Company matching contribution and profit-sharing contribution attributed to them plus actual earnings thereon after three years of eligible service. Unvested participants who are employed by the Company become fully vested in any Company and profit-sharing contribution attributed to them upon reaching age 65 or as defined in the plan.”
Source: Form 11-K filed June 17, 2026, SEC EDGAR · SEC ↗
Who can join Cincinnati Financial's 401(k), and is enrollment automatic?
Cincinnati Financial enrolls new hires automatically at 6% of pay, rising 1% a year to 10% of pay.
| Plan entry | The Plan is a defined contribution plan open to substantially all employees of Cincinnati Financial Corporation (the Company) and its subsidiaries who meet the eligibility requirements outlined in the Plan document. |
|---|---|
| Match eligibility | Participants who accrue benefits under the Cincinnati Financial Corporation Retirement Plan are not eligible for the Company match. |
| Automatic enrollment | Yes: default deferral 6% of pay; auto-escalation +1%/yr to 10%; default investment: Target Date Funds, which aligns nearest to the participant's retirement date, assumed at age 65 |
Eligibility, word for word
“The Plan is a defined contribution plan open to substantially all employees of Cincinnati Financial Corporation (the Company) and its subsidiaries who meet the eligibility requirements outlined in the Plan document.”
Automatic enrollment, word for word
“Eligible participants are initially enrolled in the Plan at a 6% contribution rate to encourage associate savings, with an automatic increase of a participant’s contribution rate by 1% each year to a maximum 10%, for these automatically enrolled participants. Unless directed otherwise, automatic enrollment participants are enrolled in the Plan's designated default investment option, Target Date Funds, which aligns nearest to the participant's retirement date, assumed at age 65.”
Source: Form 11-K filed June 17, 2026, SEC EDGAR · SEC ↗
What does the Cincinnati Financial plan report on Form 5500?
The Cincinnati Financial plan reported $1.3B in assets and 6,242 participants for plan year 2024.
| Total plan assets | $1,286,419,450 |
|---|---|
| Participants | 6,242 |
| Recordkeeper | Fidelity Investments |
| Plan-paid admin cost per participant | $101.62 |
How that cost compares
This plan pays $101.62 per participant. The median across plans in insurance is $119.27, from the 1,004 of 1,068 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.
How does Cincinnati Financial's 401(k) match compare?
Cincinnati Financial Corporation's maximum 401(k) match of 6% 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 insurance, two report the same recordkeeper and one vests on the same schedule.
Maximum match 5% of pay. Also in insurance.
Maximum match 6% of pay. Also in insurance.
Maximum match 5% of pay. Also in insurance.
Maximum match 6% of pay. Same recordkeeper, Fidelity Investments.
Maximum match 5% of pay. Same recordkeeper, Fidelity Investments.
Maximum match 3% of pay. Same 3-year cliff as Cincinnati Financial.
Compare Cincinnati Financial Corporation with any company, side by side
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 17, 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 Cincinnati Financial Corporation's 401(k) match?
Cincinnati Financial Corporation matches 100% of employee contributions up to 6% of eligible pay (plan year ended December 31, 2025).
When does the Cincinnati Financial Corporation 401(k) match vest?
Cliff: 100% vested after 3 years of service.
Does Cincinnati Financial Corporation's 401(k) plan have automatic enrollment?
Yes: default deferral 6% of pay; auto-escalation +1%/yr to 10%; default investment: Target Date Funds, which aligns nearest to the participant's retirement date, assumed at age 65.
Cite: 401(k) Monitor, “Cincinnati Financial Corporation 401(k) plan facts”, from SEC Form 11-K accession 0000020286-26-000036, plan year ended 2025-12-31.