FMC CORP 401(k) match: 4% max
FMC Corporation Savings and Investment Plan · FMC · CIK 37785
Maximum employer match, as a share of pay
4%
FMC CORP matches 80% of the first 5% of pay.
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 · what the plan reports to the DOL · how it compares · what to do next
What FMC puts in, and what the plan costs
What FMC put into the plan, per active participant
$13,451
FMC CORP put $13,451 into this plan for each of its 1,084 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.
FMC put in more per active participant than 92% of plans with 1,000–4,999 participants in pharmaceuticals and chemicals. The middle plan in that group of 156 reported $5,739. Pharmaceuticals and chemicals comes from business code 325100, which FMC 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 FMC 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 940479804, plan 061 · DOL EFAST2 ↗
The $13,451 above is the Form 5500 figure for plan year 2024, and it counts every employer dollar on one line. FMC CORP also files a Form 11-K, which states the match formula for plan year 2025: the card below reads $1,980 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 FMC puts in
$1,980
a year, at a $49,500 salary.
The match paragraph, word for word
“For eligible employees participating in the Plan, the Company makes matching contributions of 80% of the portion of those contributions up to 5% of the employee's compensation (Basic Contribution). The Company matching contributions are paid in the form of cash and are allocated to participant accounts based upon the participant's investment elections.”
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
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
“All matching contributions, core contributions, and any related earnings are immediately vested for active employees.”
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
51st percentile
$86.60 per participant in plan-paid administrative cost, more expensive than 51% of plans with 1,000–4,999 participants.
What is FMC's 401(k) match formula?
FMC's 401(k) employer match tops out at 4% of pay. One rate up to one limit is the commonest of the four shapes a match formula takes.
| Match formula | 80% of the first 5% of pay |
|---|---|
| Maximum employer match | 4% of compensation |
| Paid in company stock | No, paid in cash or per your investment elections |
| Other employer contribution | 5% annual employer core contribution of eligible compensation for newly hired/rehired salaried and nonunion hourly employees since July 1, 2007 (and eligible Middleport union employees since February 1, 2013), contributed after the end of each plan year; approximately $8.3 million in each of 2025 and 2024 |
At a $60,000 salary, contributing 5% ($3,000) earns the full employer match of $2,400 for the year.
What the filing says, word for word
“For eligible employees participating in the Plan, the Company makes matching contributions of 80% of the portion of those contributions up to 5% of the employee's compensation (Basic Contribution). The Company matching contributions are paid in the form of cash and are allocated to participant accounts based upon the participant's investment elections.”
Source: Form 11-K filed June 24, 2026, SEC EDGAR, corroborated by the filing's inline-XBRL facts · SEC ↗
What is FMC's 401(k) vesting schedule?
FMC 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 | Not disclosed in the filing |
| Other employer contributions | All matching contributions, core contributions, and any related earnings are immediately vested for active employees. |
Vesting, word for word
“All matching contributions, core contributions, and any related earnings are immediately vested for active employees.”
Source: Form 11-K filed June 24, 2026, SEC EDGAR · SEC ↗
Who can join FMC's 401(k), and is enrollment automatic?
FMC enrolls new hires automatically at 5% of pay.
| Plan entry | Such employees are eligible to participate in the Plan immediately upon commencement of their employment with the Company. |
|---|---|
| Excluded groups | other than employees who generally reside or work outside of the United States |
| Automatic enrollment | Yes: default deferral 5% of pay |
Eligibility, word for word
“Such employees are eligible to participate in the Plan immediately upon commencement of their employment with the Company.”
Automatic enrollment, word for word
“Employees will be automatically enrolled at a contribution rate of 5% of pre-tax eligible pay. Employees who do not want to be automatically enrolled may opt out by electing a 0% contribution rate.”
Source: Form 11-K filed June 24, 2026, SEC EDGAR · SEC ↗
What does the FMC plan report on Form 5500?
The FMC plan reported $633.2M in assets and 2,608 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 | Fmc Corporation Savings And Investment Plan |
|---|---|
| Total plan assets | $633,222,054 |
| Participants | 2,608 |
| Recordkeeper | Fidelity Investments |
| Plan-paid admin cost per participant | $86.60 |
How that cost compares
This plan pays $86.60 per participant. The median across plans in pharmaceuticals and chemicals is $128.47, from the 870 of 942 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.
Fmc Corporation Savings And Investment Plan on its Form 5500 filing: fees, providers and financials
How does FMC's 401(k) match compare?
FMC CORP's maximum 401(k) match of 4% 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 pharmaceuticals and chemicals, two report the same recordkeeper and one vests on the same schedule.
Maximum match 4% of pay. Also in pharmaceuticals and chemicals.
Maximum match 4.5% of pay. Also in pharmaceuticals and chemicals.
Maximum match 3% of pay. Also in pharmaceuticals and chemicals.
Maximum match 4% of pay. Same recordkeeper, Fidelity Investments.
Maximum match 4% of pay. Same recordkeeper, Fidelity Investments.
Employer match vests immediately. Vests immediately too, like FMC.
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 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.
- Download this data (CSV)
Formula, vesting and source references for this company, one file.
Questions this filing answers
What is FMC CORP's 401(k) match?
Fmc Corp matches 80% of employee contributions up to 5% of eligible pay (plan year ended December 31, 2025).
When does the FMC CORP 401(k) match vest?
Immediate: employer match is 100% vested when contributed.
Does FMC CORP's 401(k) plan have automatic enrollment?
Yes: default deferral 5% of pay.
Cite: 401(k) Monitor, “FMC CORP 401(k) plan facts”, from SEC Form 11-K accession 0000037785-26-000118, plan year ended 2025-12-31.