ConocoPhillips 401(k): Fidelity, employer contribution 6% of pay
ConocoPhillips Savings Plan · COP · CIK 1163165
Fidelity Investments is the recordkeeper named on the Form 5500 filed for this plan, the company that keeps the account records. Where to log in, and what the filing says.
Matched to this employer by sponsor name, not by an identifier stated in the filing.
Employer contribution, as a share of pay
6%
ConocoPhillips contributes 6% of pay to the 401(k) of every employee who contributes at least 1% themselves.
From the Form 11-K filed June 24, 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 · who holds your account · what the plan reports to the DOL · how it compares · what to do next
What ConocoPhillips puts in, and what the plan costs
What ConocoPhillips put into the plan, per active participant
$22,070
ConocoPhillips put $22,070 into this plan for each of its 6,894 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.
Nothing among plans with 5,000+ participants in oil, gas and mining put in more per active participant than ConocoPhillips. The middle plan in that group of 31 reported $7,448. Oil, gas and mining comes from business code 211120, which ConocoPhillips 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.
Matched to this employer by sponsor name, not by an identifier stated in the filing. This record could cover another plan of the same employer.
What this figure cannot separate: how much ConocoPhillips 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 730400345, plan 022 · DOL EFAST2 ↗
The $22,070 above is the Form 5500 figure for plan year 2024, and it counts every employer dollar on one line. ConocoPhillips also files a Form 11-K, which states what the employer contributes 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 ConocoPhillips puts in
$2,970
a year, at a $49,500 salary.
Once the worker contributes 1% of pay, the employer adds 6% of pay, whatever the worker puts in above that.
The match paragraph, word for word
“Employees who participate in the Plan and contribute at least 1 percent of their eligible pay receive a 6 percent company cash match with a potential company discretionary cash contribution of up to 6 percent. For the plan year ended December 31, 2025, a company discretionary cash contribution of 3 percent was approved for January through June and 3 percent was approved for July through December.”
What you contribute to collect all of it
Contribute at least 1% of your pay to collect the full match.
That is $495 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 369 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 own contributions, company match and discretionary contributions. Participants in the CRC are 100% vested after three years of service with the Company.”
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
$102.18 per participant in plan-paid administrative cost, more expensive than 84% of plans with 5,000+ participants.
What is ConocoPhillips' 401(k) match formula?
ConocoPhillips' 401(k) employer money is a fixed contribution rather than a match: 6% of pay, paid to everyone who contributes at least 1% themselves. A threshold contribution is all or nothing at one contribution rate, which is not the same as a match on every dollar.
| Contribution formula | 6% of pay if you contribute at least 1% |
|---|---|
| Maximum employer contribution | 6% of compensation |
| Paid in company stock | No, paid in cash or per your investment elections |
| Conditions | Employees must contribute at least 1 percent of eligible pay to receive the 6 percent company cash match; the match is paid in cash. |
| Other employer contribution | Company discretionary cash contribution of up to 6 percent of eligible pay; for the plan year ended December 31, 2025, 3 percent was approved for January through June and 3 percent for July through December |
| Other employer contribution | Company Retirement Contribution (CRC) of 6 percent for new employees, rehires, and employees who opted out of the Cash Balance Plan; requires no employee contributions |
At a $60,000 salary, contributing at least 1% ($600) earns an employer contribution of 6% of pay, or $3,600.
What the filing says, word for word
“Employees who participate in the Plan and contribute at least 1 percent of their eligible pay receive a 6 percent company cash match with a potential company discretionary cash contribution of up to 6 percent. For the plan year ended December 31, 2025, a company discretionary cash contribution of 3 percent was approved for January through June and 3 percent was approved for July through December.”
Source: Form 11-K filed June 24, 2026, SEC EDGAR, corroborated by the filing's inline-XBRL facts · SEC ↗
What is ConocoPhillips' 401(k) vesting schedule?
ConocoPhillips 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 | Discretionary contributions are immediately vested; Company Retirement Contribution (CRC) participants are 100% vested after three years of service with the Company |
Vesting, word for word
“Participants are immediately vested in their own contributions, company match and discretionary contributions. Participants in the CRC are 100% vested after three years of service with the Company.”
Source: Form 11-K filed June 24, 2026, SEC EDGAR · SEC ↗
Who can join ConocoPhillips' 401(k), and is enrollment automatic?
ConocoPhillips' filing does not mention automatic enrollment, which is not the same as the plan having none.
| Plan entry | Generally, active employees of ConocoPhillips Company and its subsidiaries on the direct U.S. dollar payroll |
|---|---|
| Automatic enrollment | Not mentioned in the filing (not proof of absence) |
Eligibility, word for word
“Generally, active employees of ConocoPhillips Company (the Company) and its subsidiaries on the direct U.S. dollar payroll are eligible to participate in the Plan.”
Source: Form 11-K filed June 24, 2026, SEC EDGAR · SEC ↗
Who holds your account
Schedule C of the Form 5500 filed for plan year 2024 reports Fidelity Investments, filed as “FIDELITY INVESTMENTS INSTITUTIONAL”. That is the company paid to keep the account records: what is in an account, what went into it, and usually the site a participant signs in to. The trustee that holds the plan’s assets can be a different company, and this filing does not name it.
Matched to this employer by sponsor name, not by an identifier stated in the filing. This record could cover another plan of the same employer.
10,593 plans on file name Fidelity Investments as their recordkeeper. Of those, the 10,022 with a computable fee have a median plan-paid cost of $97.71 per participant.
Participants log in at Fidelity NetBenefits ↗. 401(k) Monitor is not affiliated with Fidelity Investments or with any other recordkeeper, and takes nothing for this link. It is here because that is where the account is.
| Recordkeeper | Fidelity Investments |
|---|---|
| Recordkeeper EIN | 042647786 |
What does the ConocoPhillips plan report on Form 5500?
The ConocoPhillips plan reported $6.7B in assets and 11,826 participants for plan year 2024.
Matched to this employer by sponsor name, not by an identifier stated in the filing. This record could cover another plan of the same employer.
| Plan named in the DOL record | ConocoPhillips Savings Plan |
|---|---|
| Total plan assets | $6,713,407,074 |
| Participants | 11,826 |
| Plan-paid admin cost per participant | $102.18 |
How that cost compares
This plan pays $102.18 per participant. The median across plans in oil, gas and mining is $124.28, from the 618 of 653 whose Form 5500 yields a per-participant cost.
ConocoPhillips Savings Plan on its Form 5500 filing: fees, providers and financials
How does ConocoPhillips' 401(k) match compare?
ConocoPhillips' maximum 401(k) match of 6% of pay compares with a median of 4% across the 269 companies in our data with a computable formula.
Employers worth reading next
Of the six employers below, three file in oil, gas and mining, two report the same recordkeeper and one vests on the same schedule.
Maximum match 6% of pay. Also in oil, gas and mining.
Maximum match 6% of pay. Also in oil, gas and mining.
Maximum match 6% of pay. Also in oil, gas and mining.
Maximum match 6% of pay. Same recordkeeper, Fidelity Investments.
Maximum match 6% of pay. Same recordkeeper, Fidelity Investments.
Maximum match 4% of pay. Vests immediately too, like ConocoPhillips.
What can you do next?
- Read the Form 11-K on SEC EDGAR ↗
Form 11-K filed June 24, 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.
Questions this filing answers
What is ConocoPhillips' 401(k) match?
ConocoPhillips contributes 6% of eligible pay for employees who contribute at least 1% themselves (plan year ended December 31, 2025).
When does the ConocoPhillips 401(k) match vest?
Immediate: employer match is 100% vested when contributed.
Does ConocoPhillips' 401(k) plan have automatic enrollment?
Not mentioned in the filing (not proof of absence).
Who is the recordkeeper for ConocoPhillips' 401(k)?
Fidelity Investments is named as the recordkeeper on the Form 5500 filed for ConocoPhillips Savings Plan for plan year 2024. That is the company paid to keep the account records: what is in an account, what went into it, and usually the site a participant signs in to. Matched to this employer by sponsor name, not by an identifier stated in the filing. This record could cover another plan of the same employer.
Source
The match formula, the vesting schedule and the enrollment rules on this page were read from one document: the Form 11-K annual report that ConocoPhillips filed with the US Securities and Exchange Commission for the plan year ended December 31, 2025. Each of those fields carries the filing sentence it was read from, expandable where the field appears. Nothing on this page was supplied by the employer to this site.
The plan assets, the participant counts, the plan-paid fees and the recordkeeper come from a different document, the plan’s DOL Form 5500 annual return, and the section that reports them links it. Comparisons with other employers are computed across the filings named in the section they appear in.
Read the filing on SEC EDGAR ↗
| Document | Form 11-K annual report |
|---|---|
| Filed with | US Securities and Exchange Commission (EDGAR) |
| Filed by | ConocoPhillips |
| SEC CIK | 1163165 |
| Accession number | 0001163165-26-000024 |
| Plan | ConocoPhillips Savings Plan |
| Period of report | December 31, 2025 |
| Filed | June 24, 2026 |
401(k) Monitor is not affiliated with ConocoPhillips, with the Securities and Exchange Commission or with this plan’s recordkeeper, and publishes this page without their involvement. It republishes a public filing and says where it came from.
Cite this page
401(k) Monitor, “ConocoPhillips 401(k) plan facts”, from SEC Form 11-K accession 0001163165-26-000024, plan year ended December 31, 2025.
