FULLER H B CO 401(k) match: 4% max
H.B. Fuller Company 401(k) & Retirement Plan · FUL · CIK 39368
Maximum employer match, as a share of pay
4%
FULLER H B CO matches 100% (dollar-for-dollar) of the first 4% of pay.
From the Form 11-K filed June 10, 2026 ↗, covering the plan year ended December 31, 2025. Why filings lag
On this page: the formula, word for word · when the money becomes yours · who can join · what else the 11-K reports · how it compares · what to do next
What FULLER H B puts in, and what the plan costs
What FULLER H B puts in
$1,980
a year, at a $49,500 salary.
The match paragraph, word for word
“The Employer makes Safe Harbor Matching Contributions (“matching contributions”) to employees’ accounts by matching 100 percent of an employee’s contributions, up to 4 percent of the employee’s eligible compensation, to be allocated according to the employee’s elections.”
What you contribute to collect all of it
Contribute at least 4% of your pay to collect the full match.
That is $1,980 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 contributions, rollover contributions and Employer matching contributions plus actual earnings thereon.”
The match starts with the job. This is a filed term, and it does not move the score above.
Eligibility, word for word
“All regular full-time and part-time employees on the U.S. Payroll may begin contributing to the Plan as soon as administratively practicable after their date of hire and will be automatically enrolled unless elected otherwise.”
The plan tops the match up after year end, so contributing unevenly through the year does not cost the worker part of it.
The same match paragraph, word for word
“The Employer makes Safe Harbor Matching Contributions (“matching contributions”) to employees’ accounts by matching 100 percent of an employee’s contributions, up to 4 percent of the employee’s eligible compensation, to be allocated according to the employee’s elections.”
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 FULLER H B's 401(k) match formula?
FULLER H B's 401(k) employer match tops out at 4% of pay. The plan pays an annual true-up. What an annual true-up repays is the arithmetic behind that line: it matters most in a year when contributions land unevenly.
| Match formula | 100% (dollar-for-dollar) of the first 4% of pay |
|---|---|
| Maximum employer match | 4% of compensation |
| True-upA year-end recalculation that repays match lost to uneven contributions. | Yes, annual true-up |
| Conditions | Employer matching contributions to the Plan cease during the suspension period. |
| Other employer contribution | Non-discretionary non-elective retirement contribution of 1% of eligible earnings each pay period for all eligible employees, totaling $2,786,030 for the Plan year ended December 31, 2025 |
| Other employer contribution | Discretionary non-elective contribution of up to 3% of eligible earnings based on H.B. Fuller Company's earnings per share, requiring employment on November 30th of the plan year and paid in the first quarter of the following plan year; a 1% discretionary non-elective contribution of $2,566,547 was made for 2025 (none was made for 2024) |
At a $45,000 salary, contributing 4% ($1,800) earns the full employer match of $1,800 for the year.
What the filing says, word for word
“The Employer makes Safe Harbor Matching Contributions (“matching contributions”) to employees’ accounts by matching 100 percent of an employee’s contributions, up to 4 percent of the employee’s eligible compensation, to be allocated according to the employee’s elections.”
Source: Form 11-K filed June 10, 2026, SEC EDGAR, corroborated by the filing's inline-XBRL facts · SEC ↗
What is FULLER H B's 401(k) vesting schedule?
FULLER H B 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 | Vesting in the Company's non-elective contributions (both non-discretionary and discretionary) plus actual earnings thereon is based on years of eligible service. A participant is 100 percent vested in these contributions after three years of vesting service with the Employer, or upon age 65 (normal retirement date as defined in the Plan), disability, death or plan termination. |
Vesting, word for word
“Participants are immediately vested in their contributions, rollover contributions and Employer matching contributions plus actual earnings thereon.”
Source: Form 11-K filed June 10, 2026, SEC EDGAR · SEC ↗
Who can join FULLER H B's 401(k), and is enrollment automatic?
FULLER H B enrolls new hires automatically at 4% of pay, rising 1% a year to 10% of pay.
| Plan entry | All regular full-time and part-time employees on the U.S. Payroll may begin contributing to the Plan as soon as administratively practicable after their date of hire and will be automatically enrolled unless elected otherwise. |
|---|---|
| Match eligibility | All qualified employees are immediately eligible for the Employer matching contribution. |
| Automatic enrollment | Yes: default deferral 4% of pay; auto-escalation +1%/yr to 10% |
Eligibility, word for word
“All regular full-time and part-time employees on the U.S. Payroll may begin contributing to the Plan as soon as administratively practicable after their date of hire and will be automatically enrolled unless elected otherwise.”
Automatic enrollment, word for word
“The automatic contribution of 4 percent of eligible earnings will be taken out of the employee’s pay and begins as soon as administratively feasible following 30 days of employment and will be invested in the default investment fund used in the Plan, unless the employee opts out or elects a different percentage.”
Source: Form 11-K filed June 10, 2026, SEC EDGAR · SEC ↗
What else does FULLER H B's 11-K report?
The FULLER H B plan held $562.1M in net assets at the end of the plan year ended December 31, 2025.
| Net plan assets (end of plan year) | $562,074,150 |
|---|---|
| Trustee / recordkeeper | Empower Trust Company, LLC |
| Plan auditor | BDO USA, P.C. |
| Notable events | Effective December 31, 2024, the Royal Holdings, Inc. Collective Bargaining Unit 401(k) Savings Plan and Trust was merged into this Plan, transferring approximately $4,400,439 in assets plus $321,892 in participant loans. On April 30, 2024 the spun-off portion of the Beardow Adams, Inc. 401(k) Profit Sharing Plan was merged in. In connection with the December 2024 sale of the North American Flooring business, approximately 175 participants transferred balances totaling $17,790,158 out of the Plan in March 2025. |
Source: Form 11-K filed June 10, 2026, SEC EDGAR · SEC ↗
How does FULLER H B's 401(k) match compare?
FULLER H B CO'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, five land near FULLER H B's maximum match and one vests on the same schedule.
Maximum match 4% of pay, level with FULLER H B.
Maximum match 4% of pay, level with FULLER H B.
Maximum match 4% of pay, level with FULLER H B.
Maximum match 4% of pay, level with FULLER H B.
Maximum match 4% of pay, level with FULLER H B.
Maximum match 3.5% of pay. Vests immediately too, like FULLER H B.
What can you do next?
Check your own balance and contribution rate at Empower ↗, the recordkeeper this plan reports.
- Read the Form 11-K on SEC EDGAR ↗
Form 11-K filed June 10, 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 FULLER H B CO's 401(k) match?
Fuller H B Co matches 100% of employee contributions up to 4% of eligible pay (plan year ended December 31, 2025).
When does the FULLER H B CO 401(k) match vest?
Immediate: employer match is 100% vested when contributed.
Does FULLER H B CO's 401(k) plan have automatic enrollment?
Yes: default deferral 4% of pay; auto-escalation +1%/yr to 10%.
Cite: 401(k) Monitor, “FULLER H B CO 401(k) plan facts”, from SEC Form 11-K accession 0001437749-26-020091, plan year ended 2025-12-31.