Fiserv, Inc. 401(k) match: 3% max
Fiserv 401(k) Savings Plan · FI · CIK 798354
Maximum employer match, as a share of pay
3%
Fiserv, Inc. matches 100% (dollar-for-dollar) of the first 1% of pay, then 50% of the next 4% of pay, for a maximum employer match of 3% of pay.
From the Form 11-K filed June 25, 2026 ↗, covering the plan year ended December 31, 2025. Why filings lag
On this page: the formula, word for word · what it used to be · when the money becomes yours · who can join · what else the 11-K reports · how it compares · what to do next
What Fiserv puts in, and what the plan costs
What Fiserv puts in
$1,485
a year, at a $49,500 salary.
The match paragraph, word for word
“Prior to January 1, 2026, eligible participants under the Plan received an employer matching contribution equal to 100% of the first 1% and 50% of the next 4% of a participant’s contributions, for a maximum possible matching contribution of 3% of the participant’s eligible compensation. Effective January 1, 2026, the employer matching contribution was increased to equal 100% of the first 2% and 50% of the next 4% of a participant’s contributions, for a maximum possible matching contribution of 4% of the participant’s eligible compensation. However, to the extent permitted by ERISA and the Internal Revenue Code (“IRC”), the Company may elect to decrease or eliminate the Company’s matching contribution. Effective January 1, 2026, members of the Company’s senior executive group, as defined by the Plan, are not eligible (and prior to January 1, 2026, employees in a position of senior vice president or higher were not eligible) to receive employer matching contributions. Based upon the level of employer matching contributions, the Plan is not considered to be a safe harbor plan.”
What you contribute to collect all of it
Contribute at least 5% of your pay to collect the full match.
That is $2,475 a year at a $49,500 salary, and it scales with your own.
Vesting score
71.43 out of 100
How fast the employer’s money becomes yours. Higher than 32% 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%, 100%, 100%, 100%, 100%, 100%. The score is the average of those 7 readings.
Vesting, word for word
“Vesting — Plan participants are entitled to the vested balance in their respective accounts as of their respective termination date, 65th birthday, death or permanent disability. Participant, rollover and special contributions vest immediately. Employer contributions vest 100% after two years of employment with the Company. In the event of a corporate divestiture, death, disability or retirement at or after age 65, all amounts allocated to a participant’s account under the Plan are 100% 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
No Form 5500 record is joined to this employer, so there is no plan-paid cost to show.
What is Fiserv's 401(k) match formula?
Fiserv's 401(k) employer match tops out at 3% of pay. The match is deposited each payroll. 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 4% of pay |
| Maximum employer match | 3% of compensation |
| Deposited | Each payroll |
| Conditions | The Company may elect to decrease or eliminate the matching contribution to the extent permitted by ERISA and the IRC; the Plan is not a safe harbor plan. Members of the Company's senior executive group (prior to January 1, 2026, employees at senior vice president level or higher) are not eligible for matching contributions. |
| Other employer contribution | Possible special contribution for eligible employees employed on the last day of the Plan year (or who terminated during the year due to death, disability, or retirement at age 65), allocated by compensation ratio and payable in the Fiserv Stock Fund, cash, or a combination; no special contribution was made for the 2025 Plan year |
At a $75,000 salary, contributing 5% ($3,750) earns the full employer match of $2,250 for the year.
What the filing says, word for word
“Prior to January 1, 2026, eligible participants under the Plan received an employer matching contribution equal to 100% of the first 1% and 50% of the next 4% of a participant’s contributions, for a maximum possible matching contribution of 3% of the participant’s eligible compensation. Effective January 1, 2026, the employer matching contribution was increased to equal 100% of the first 2% and 50% of the next 4% of a participant’s contributions, for a maximum possible matching contribution of 4% of the participant’s eligible compensation. However, to the extent permitted by ERISA and the Internal Revenue Code (“IRC”), the Company may elect to decrease or eliminate the Company’s matching contribution. Effective January 1, 2026, members of the Company’s senior executive group, as defined by the Plan, are not eligible (and prior to January 1, 2026, employees in a position of senior vice president or higher were not eligible) to receive employer matching contributions. Based upon the level of employer matching contributions, the Plan is not considered to be a safe harbor plan.”
Source: Form 11-K filed June 25, 2026, SEC EDGAR, corroborated by the filing's inline-XBRL facts · SEC ↗
What did Fiserv's 401(k) match used to be?
Fiserv changed its 401(k) match. The formula in force now is 100% (dollar-for-dollar) of the first 1% of pay, then 50% of the next 4% of pay.
| Current | 100% (dollar-for-dollar) of the first 1% of pay, then 50% of the next 4% of pay |
|---|---|
| Before | Successor formula: effective January 1, 2026 (after the plan year covered), the employer matching contribution was increased to 100% of the first 2% and 50% of the next 4% of a participant's contributions, for a maximum possible matching contribution of 4% of eligible compensation. Effective the same date, new participants are automatically enrolled at a 6% pre-tax savings rate. |
What is Fiserv's 401(k) vesting schedule?
Fiserv vests the employer match on a cliff schedule: nothing is yours until two years of service, then 100% at once. Leave a day early and the employer money goes back to the plan, the edge a two-year cliff creates.
| Employer match vesting | Cliff: 100% vested after 2 years of service |
|---|---|
| Your own contributions | Immediate: always 100% yours |
| Year of service | Two years of employment with the Company |
| Accelerated vesting | In the event of a corporate divestiture, death, disability or retirement at or after age 65, all amounts allocated to a participant's account are 100% vested; participants also become 100% vested if the Plan is terminated |
| Other employer contributions | Participant, rollover and special contributions vest immediately |
Vesting, word for word
“Vesting — Plan participants are entitled to the vested balance in their respective accounts as of their respective termination date, 65th birthday, death or permanent disability. Participant, rollover and special contributions vest immediately. Employer contributions vest 100% after two years of employment with the Company. In the event of a corporate divestiture, death, disability or retirement at or after age 65, all amounts allocated to a participant’s account under the Plan are 100% vested.”
Source: Form 11-K filed June 25, 2026, SEC EDGAR · SEC ↗
Who can join Fiserv's 401(k), and is enrollment automatic?
Fiserv enrolls new hires automatically at 5% of pay, rising 1% a year to 15% of pay.
| Plan entry | Full-time or part-time employees on the U.S. payroll of participating employers who are not subject to a collective bargaining agreement, receive compensation payable in U.S. dollars, and are not residents of Puerto Rico |
|---|---|
| Match eligibility | Members of the Company's senior executive group (prior to January 1, 2026, employees in a position of senior vice president or higher) are not eligible to receive employer matching contributions |
| Excluded groups | Employees subject to a collective bargaining agreement, leased employees, independent contractors, interns with less than one year of service, and residents of Puerto Rico |
| Automatic enrollment | Yes: default deferral 5% of pay; auto-escalation +1%/yr to 15%; default investment: Applicable target retirement trust based on the participant's projected retirement age of 65 |
Eligibility, word for word
“Employees who (i) are not subject to a collective bargaining agreement; (ii) receive compensation payable in U.S. dollars; (iii) are not leased employees, independent contractors or interns with less than one year of service; (iv) are not residents of Puerto Rico; and (v) are classified as a full-time or part-time employee on the U.S. payroll and personnel records with participating employers are eligible to participate in the Plan.”
Automatic enrollment, word for word
“New participants are automatically enrolled in the Plan at a 5% pre-tax savings rate which is increased 1% annually, up to a maximum of 15% of compensation, unless the participant elects a different percentage. Effective January 1, 2026, new participants are automatically enrolled in the Plan at a 6% pre-tax savings rate which is increased 1% annually, up to the maximum of 15% of compensation, unless the participant elects a different percentage.”
Source: Form 11-K filed June 25, 2026, SEC EDGAR · SEC ↗
What else does Fiserv's 11-K report?
The Fiserv plan held $5.4B in net assets at the end of the plan year ended December 31, 2025.
| Net plan assets (end of plan year) | $5,395,826,000 |
|---|---|
| Trustee / recordkeeper | Bank of America, N.A. (custodian and trustee); Merrill Lynch, a Bank of America company (recordkeeper) |
| Plan auditor | Deloitte & Touche LLP |
| Notable events | The Plan is administered by Fiserv Solutions, LLC, a wholly-owned subsidiary of Fiserv, Inc., as Plan Sponsor. Effective January 1, 2026, the match formula and the automatic enrollment default rate both increase. |
Source: Form 11-K filed June 25, 2026, SEC EDGAR · SEC ↗
How does Fiserv's 401(k) match compare?
Fiserv, Inc.'s maximum 401(k) match of 3% 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, five land near Fiserv's maximum match and one vests on the same schedule.
Maximum match 3% of pay, level with Fiserv.
Maximum match 3% of pay, level with Fiserv.
Maximum match 3% of pay, level with Fiserv.
Maximum match 3% of pay, level with Fiserv.
Maximum match 3% of pay, level with Fiserv.
Maximum match 6% of pay. Same 2-year cliff as Fiserv.
What can you do next?
Check your own balance and contribution rate at Merrill Benefits OnLine ↗, the recordkeeper this plan reports.
- Read the Form 11-K on SEC EDGAR ↗
Form 11-K filed June 25, 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 Fiserv, Inc.'s 401(k) match?
Fiserv, Inc. matches 100% (dollar-for-dollar) of the first 1% of pay, then 50% of the next 4% of pay, for a maximum employer match of 3% of compensation (plan year ended December 31, 2025).
When does the Fiserv, Inc. 401(k) match vest?
Cliff: 100% vested after 2 years of service.
Does Fiserv, Inc.'s 401(k) plan have automatic enrollment?
Yes: default deferral 5% of pay; auto-escalation +1%/yr to 15%; default investment: Applicable target retirement trust based on the participant's projected retirement age of 65.
Did Fiserv, Inc. change its 401(k) match?
Yes. Successor formula: effective January 1, 2026 (after the plan year covered), the employer matching contribution was increased to 100% of the first 2% and 50% of the next 4% of a participant's contributions, for a maximum possible matching contribution of 4% of eligible compensation. Effective the same date, new participants are automatically enrolled at a 6% pre-tax savings rate. The current terms took effect as stated in the filing.
Cite: 401(k) Monitor, “Fiserv, Inc. 401(k) plan facts”, from SEC Form 11-K accession 0000798354-26-000023, plan year ended 2025-12-31.