FNB CORP/PA/ 401(k) match for F.N.B employees: 6% max
F.N.B. Corporation Progress Savings 401(k) Plan · FNB · CIK 37808
Maximum employer match, as a share of pay
6%
The FNB CORP/PA/ F.N.B plan matches 100% (dollar-for-dollar) of the first 6% of pay.
The match, vesting and enrollment terms below are for F.N.B employees: they are read from the F.N.B. Corporation Progress Savings 401(k) Plan and FNB CORP/PA/ employees outside that group are in a different plan whose terms are not in the filings we publish.
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: 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 the FNB CORP/PA/ F.N.B plan puts in, and what the plan costs
What FNB CORP/PA/ put into the plan, per active participant
$4,317
FNB CORP/PA/ put $4,317 into this plan for each of its 4,294 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.
FNB CORP/PA/ put in less per active participant than 60% of plans with 5,000+ participants at banks and lenders. The middle plan in that group of 66 reported $4,881. Banks and lenders comes from business code 522110, which FNB CORP/PA/ 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.
Both filings are for the F.N.B. Corporation Progress Savings 401(k) Plan, which covers F.N.B employees, so this figure and the terms above describe the same group.
What this figure cannot separate: how much FNB CORP/PA/ 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 251255406, plan 002 · DOL EFAST2 ↗
The $4,317 above is the Form 5500 figure for plan year 2024, and it counts every employer dollar on one line. FNB CORP/PA/ 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 the FNB CORP/PA/ F.N.B plan puts in
$2,970
a year, at a $49,500 salary.
The match paragraph, word for word
“The Corporation matched 100% of a participant's elective pre-tax contribution, up to 6% of the participant's compensation in 2025 and 2024.”
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 voluntary contribution, Corporation's matching contribution, and cash dividends paid on F.N.B. Corporation common stock, plus actual earnings thereon.”
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
10th percentile
$14.49 per participant in plan-paid administrative cost, cheaper than 90% of plans with 5,000+ participants.
What is the FNB CORP/PA/ F.N.B plan's 401(k) match formula?
The FNB CORP/PA/ F.N.B plan's 401(k) employer match tops out at 6% of pay. The match is deposited each payroll. One rate up to one limit is the commonest of the four shapes a match formula takes.
| Match formula | 100% (dollar-for-dollar) of the first 6% of pay |
|---|---|
| Maximum employer match | 6% of compensation |
| Deposited | Each payroll |
| Paid in company stock | No, paid in cash or per your investment elections |
| Other employer contribution | Discretionary performance-based contribution up to 3% of compensation, determined annually based on the extent the Corporation achieved its performance goals, paid only to participants employed on the last day of the Plan year; amounted to 1.7% of eligible compensation for 2025 ($6,191,939); no discretionary performance-based contribution was made for 2024 |
At a $45,000 salary, contributing 6% ($2,700) earns the full employer match of $2,700 for the year.
What the filing says, word for word
“The Corporation matched 100% of a participant's elective pre-tax contribution, up to 6% of the participant's compensation in 2025 and 2024.”
Source: Form 11-K filed June 18, 2026, SEC EDGAR, corroborated by the filing's inline-XBRL facts · SEC ↗
What is the FNB CORP/PA/ F.N.B plan's 401(k) vesting schedule?
The FNB CORP/PA/ F.N.B plan 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 | Participants are 100% vested in the Corporation's discretionary performance-based contributions and actual earnings thereon after three years of service. Participants also become 100% vested in all discretionary contributions when attaining the age of 65 or in the event of death or permanent disability. |
Vesting, word for word
“Participants are immediately vested in their voluntary contribution, Corporation's matching contribution, and cash dividends paid on F.N.B. Corporation common stock, plus actual earnings thereon.”
Source: Form 11-K filed June 18, 2026, SEC EDGAR · SEC ↗
Who can join the FNB CORP/PA/ F.N.B plan's 401(k), and is enrollment automatic?
The FNB CORP/PA/ F.N.B plan enrolls new hires automatically at 3% of pay.
| Plan entry | An eligible employee may enroll in the Plan the day following the date the employee commences employment. |
|---|---|
| Excluded groups | All non-temporary employees are eligible to participate in the Plan. |
| Automatic enrollment | Yes: default deferral 3% of pay; 35-day opt-out window |
Eligibility, word for word
“An eligible employee may enroll in the Plan the day following the date the employee commences employment.”
Automatic enrollment, word for word
“An eligible employee who does not enroll in the Plan will be automatically enrolled in the Plan following 35 days of employment, unless the employee opts out of the Plan before then.”
Source: Form 11-K filed June 18, 2026, SEC EDGAR · SEC ↗
What does the FNB CORP/PA/ plan report on Form 5500?
The FNB CORP/PA/ plan reported $531.5M in assets and 6,311 participants for plan year 2024.
| Total plan assets | $531,456,443 |
|---|---|
| Participants | 6,311 |
| Recordkeeper | Fidelity Investments |
| Plan-paid admin cost per participant | $14.49 |
How that cost compares
This plan pays $14.49 per participant. The median across plans at banks and lenders is $152.83, from the 2,143 of 2,264 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 the FNB CORP/PA/ F.N.B plan's 401(k) match compare?
The FNB CORP/PA/ F.N.B plan'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 at banks and lenders, two report the same recordkeeper and one vests on the same schedule.
Maximum match 6% of pay. Also at banks and lenders.
Maximum match 6% of pay. Also at banks and lenders.
Maximum match 6% of pay. Also at banks and lenders.
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 FNB CORP/PA/.
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 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 FNB CORP/PA/'s 401(k) match for F.N.B employees?
The F.N.B. Corporation Progress Savings 401(k) Plan covers F.N.B employees. Fnb Corp/Pa/ matches 100% of employee contributions up to 6% of eligible pay (plan year ended December 31, 2025).
When does the FNB CORP/PA/ 401(k) match vest for F.N.B employees?
Immediate: employer match is 100% vested when contributed.
Does FNB CORP/PA/'s 401(k) plan for F.N.B employees have automatic enrollment?
Yes: default deferral 3% of pay; 35-day opt-out window.
Cite: 401(k) Monitor, “FNB CORP/PA/ 401(k) plan facts for F.N.B employees”, from SEC Form 11-K accession 0000037808-26-000021, plan year ended 2025-12-31.