The Coca-Cola Company 401(k) match: 3.5% max
The Coca-Cola Company 401(k) Plan · KO · CIK 21344
Maximum employer match, as a share of pay
3.5%
The Coca-Cola Company matches 100% (dollar-for-dollar) of the first 1% of pay, then 50% of the next 5% of pay, for a maximum employer match of 3.5% of pay.
Coca-Cola's Form 11-K filings for plan year 2025 describe two separate 401(k) plans. The terms on this page are read from the Coca-Cola Company 401(k) Plan. They do not all state the same match, so each one is listed below with the group it covers and what it pays.
From the Form 11-K filed June 18, 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 Coca-Cola 401(k) plan are you in?
Coca-Cola's Form 11-K filings for this plan year describe two plans, and they do not state the same match. 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 Coca-Cola Company 401(k) Plan.
The Coca-Cola Company 401(k) Plan (the plan this page answers for)
The filing states no limit on who this plan covers · Form 11-K ↗
3.5% of pay, at most
Caribbean Refrescos, Inc. Thrift Plan
Caribbean Refrescos employees · Form 11-K ↗
3% of pay, at most
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 Coca-Cola puts in, and what the plan costs
What Coca-Cola put into the plan, per active participant
$5,541
The Coca-Cola Company put $5,541 into this plan for each of its 7,812 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.
Coca-Cola put in more per active participant than 80% of plans with 5,000+ participants in food, beverage and tobacco manufacturing. The middle plan in that group of 72 reported $2,804. Food, beverage and tobacco comes from business code 312110, which Coca-Cola 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 Coca-Cola 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 580628465, plan 002 · DOL EFAST2 ↗
The $5,541 above is the Form 5500 figure for plan year 2024, and it counts every employer dollar on one line. The Coca-Cola Company also files a Form 11-K, which states the match formula for plan year 2025: the card below reads $1,733 a year at a $49,500 salary. 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 Coca-Cola puts in
$1,733
a year, at a $49,500 salary.
The match paragraph, word for word
“The Company matches participant contributions equal to 100% of the first 1% of compensation and 50% of the next 5% of compensation, for a maximum Company match of 3.5% of compensation. All employer contributions are initially invested in common stock of The Coca-Cola Company.”
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
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 immediately vested in their salary deferral contributions and related earnings. Company contributions and related earnings are also immediately vested.”
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 Coca-Cola's 401(k) match formula?
Coca-Cola's 401(k) employer match tops out at 3.5% of pay. A tiered formula pays its best rate on the first slice of pay and less on the next, which is how the rate steps down.
| Match formula | 100% (dollar-for-dollar) of the first 1% of pay |
|---|---|
| then | 50% of the next 5% of pay |
| Maximum employer match | 3.5% of compensation |
| Paid in company stock | Yes |
At a $45,000 salary, contributing 6% ($2,700) earns the full employer match of $1,575 for the year.
What the filing says, word for word
“The Company matches participant contributions equal to 100% of the first 1% of compensation and 50% of the next 5% of compensation, for a maximum Company match of 3.5% of compensation. All employer contributions are initially invested in common stock of The Coca-Cola Company.”
Source: Form 11-K filed June 18, 2026, SEC EDGAR, corroborated by the filing's inline-XBRL facts · SEC ↗
What is Coca-Cola's 401(k) vesting schedule?
Coca-Cola 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 |
Vesting, word for word
“Participants are immediately vested in their salary deferral contributions and related earnings. Company contributions and related earnings are also immediately vested.”
Source: Form 11-K filed June 18, 2026, SEC EDGAR · SEC ↗
Who can join Coca-Cola's 401(k), and is enrollment automatic?
Coca-Cola enrolls new hires automatically at 6% of pay.
| Automatic enrollment | Yes: default deferral 6% of pay; 30-day opt-out window |
|---|
Automatic enrollment, word for word
“Newly hired or rehired employees who do not opt out or elect to contribute a different rate of eligible compensation within a 30-day period are automatically enrolled in the Plan at a contribution rate of 6% of eligible compensation.”
Source: Form 11-K filed June 18, 2026, SEC EDGAR · SEC ↗
What does the Coca-Cola plan report on Form 5500?
The Coca-Cola plan reported $3.8B in assets and 20,731 participants for plan year 2024.
| Total plan assets | $3,787,914,254 |
|---|---|
| Participants | 20,731 |
| Recordkeeper | Transamerica Retirement Solutions (Recordkeeper); The Northern Trust Company (Trustee) |
How that cost compares
It is one of 1,356 plans in food, beverage and tobacco manufacturing in the Form 5500 data we publish.
The Coca-Cola Company 401(k) Plan on its Form 5500 filing: fees, providers and financials
How does Coca-Cola's 401(k) match compare?
The Coca-Cola Company's maximum 401(k) match of 3.5% 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 food, beverage and tobacco manufacturing, two land near Coca-Cola's maximum match and one vests on the same schedule.
Maximum match 4% of pay. Also in food, beverage and tobacco manufacturing.
Maximum match 4% of pay. Also in food, beverage and tobacco manufacturing.
Maximum match 4% of pay. Also in food, beverage and tobacco manufacturing.
Maximum match 3.5% of pay, level with Coca-Cola.
Maximum match 3.5% of pay, level with Coca-Cola.
Maximum match 4% of pay. Vests immediately too, like Coca-Cola.
Compare The Coca-Cola Company with any company, side by side
What do Coca-Cola's other 401(k) plans say?
Caribbean Refrescos, Inc. Thrift Plan
Caribbean Refrescos employees
The Coca-Cola Company matches 100% of employee contributions up to 3% of eligible pay (plan year ended December 31, 2025).
- Employer match vesting
- Immediate: employer match is 100% vested when contributed
- Automatic enrollment
- Yes:
What the filing says, word for word
“The election to contribute to the Plan by employees (“participants”) is voluntary. Participant contributions are in the form of payroll deductions with the Company currently making a matching contribution equal to 100% of the first 3% of compensation contributed by a participant subject to certain limitations imposed by the Puerto Rico Internal Revenue Code of 2011 (the “Code”).”
What can you do next?
Check your own balance and contribution rate at Transamerica ↗, the recordkeeper this plan reports.
- Read the Form 11-K on SEC EDGAR ↗
Form 11-K filed June 18, 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 Coca-Cola Company's 401(k) match?
The Coca-Cola Company matches 100% (dollar-for-dollar) of the first 1% of pay, then 50% of the next 5% of pay, for a maximum employer match of 3.5% of compensation (plan year ended December 31, 2025).
When does the The Coca-Cola Company 401(k) match vest?
Immediate: employer match is 100% vested when contributed.
Does The Coca-Cola Company's 401(k) plan have automatic enrollment?
Yes: default deferral 6% of pay; 30-day opt-out window.
Cite: 401(k) Monitor, “The Coca-Cola Company 401(k) plan facts”, from SEC Form 11-K accession 0001628280-26-044309, plan year ended 2025-12-31.