General Dynamics Corporation 401(k) match: vests immediately
General Dynamics Corporation 401(k) Plan 3.0 · GD · CIK 40533
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.
The 401(k) employer match
Only part of the formula is filed
General Dynamics Corporation discloses only part of its 401(k) match terms in this filing.
General Dynamics' Form 11-K filings for plan year 2025 describe four separate 401(k) plans. The terms on this page are read from the General Dynamics Corporation 401(k) Plan 3.0. Not all of them state a match formula, so each one is listed below with the group it covers and what its filing says.
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: which plan you are 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
Which General Dynamics 401(k) plan are you in?
General Dynamics' Form 11-K filings for this plan year describe four plans, and not all of them state a match formula. Find the plan you are in before you take a number off this page. The terms in the rest of the page are read from the General Dynamics Corporation 401(k) Plan 3.0.
General Dynamics Corporation 401(k) Plan 3.0 (the plan this page answers for)
The filing states no limit on who this plan covers · Form 11-K ↗
Match not stated as a formula
General Dynamics Corporation 401(k) Plan 6.0
The filing states no limit on who this plan covers · Form 11-K ↗
6% of pay, at most
General Dynamics Corporation 401(k) QACA Plan
The filing states no limit on who this plan covers · Form 11-K ↗
5% of pay, at most
General Dynamics Corporation 401(k) Plan for Represented Employees
Employees covered by a collective-bargaining agreement · Form 11-K ↗
Match not stated as a formula
One row per plan, taken from the four Form 11-K reports this site has read for the plan year ended December 31, 2025. Each maximum comes from that plan’s own filing and describes only that plan.
What General Dynamics puts in, and what the plan costs
What General Dynamics puts in
Not stated in the filing
Only part of the match formula is disclosed in the filing, so the yearly dollars cannot be computed from it.
Two places state the terms in full: your plan’s Summary Plan Description, which your employer must provide on request, and your recordkeeper’s site, which for this plan is Fidelity NetBenefits ↗.
What you contribute to collect all of it
Not stated in the filing
The filing does not state the contribution rate that collects the full employer contribution.
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’ contributions and Employer matching contributions and actual earnings thereon are always 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
32nd percentile
$38.80 per participant in plan-paid administrative cost, cheaper than 68% of plans with 5,000+ participants.
What is General Dynamics' 401(k) match formula?
General Dynamics discloses only part of its 401(k) match terms in this filing. Filings state some formulas in full and others not at all. The four shapes a formula takes shows what is missing here.
| Conditions | The Employer matching contribution amount varies based on the business unit with whom the participant is employed; the filing does not state the rates |
|---|
What the filing says, word for word
“Employees are eligible to participate in the Plan upon hire or after reaching age 18, whichever is later. Participants may contribute from 1% up to 75% of eligible compensation as pre-tax deferrals, Roth deferrals or after-tax contributions, up to the statutory limits defined by the Internal Revenue Code (IRC). The Plan has an automatic enrollment feature under which new employees who do not make a contrary election as described in the Plan Document will automatically be enrolled in the Plan. The Plan's automatic enrollment deferral rate is 6%. Participants who have attained age 50 before the end of the plan year are eligible to make catch-up contributions. Participants may also contribute amounts representing distributions from other qualified plans (rollovers). The Employer matching contribution amount varies based on the business unit with whom the participant is employed.”
Source: Form 11-K filed June 18, 2026, SEC EDGAR, corroborated by the filing's inline-XBRL facts · SEC ↗
What is General Dynamics' 401(k) vesting schedule?
General Dynamics 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 |
Vesting, word for word
“Participants’ contributions and Employer matching contributions and actual earnings thereon are always 100% vested.”
Source: Form 11-K filed June 18, 2026, SEC EDGAR · SEC ↗
Who can join General Dynamics' 401(k), and is enrollment automatic?
General Dynamics enrolls new hires automatically at 6% of pay.
| Plan entry | Employees are eligible to participate in the Plan upon hire or after reaching age 18, whichever is later |
|---|---|
| Excluded groups | Employees subject to a collective bargaining agreement are not eligible to participate in this Plan |
| Automatic enrollment | Yes: default deferral 6% of pay |
Eligibility, word for word
“The Plan is a defined contribution plan covering eligible employees of General Dynamics Corporation (the Company, Employer, Plan Administrator, or Plan Sponsor) and its subsidiaries. Employees subject to a collective bargaining agreement are not eligible to participate in this Plan. The Plan is subject to the provisions of the Employee Retirement Income Security Act of 1974 (ERISA). The Plan participates in the General Dynamics Corporation 401(k) Plan Master Trust (Master Trust) along with certain other plans also sponsored by the Company.”
Automatic enrollment, word for word
“Employees are eligible to participate in the Plan upon hire or after reaching age 18, whichever is later. Participants may contribute from 1% up to 75% of eligible compensation as pre-tax deferrals, Roth deferrals or after-tax contributions, up to the statutory limits defined by the Internal Revenue Code (IRC). The Plan has an automatic enrollment feature under which new employees who do not make a contrary election as described in the Plan Document will automatically be enrolled in the Plan. The Plan's automatic enrollment deferral rate is 6%. Participants who have attained age 50 before the end of the plan year are eligible to make catch-up contributions. Participants may also contribute amounts representing distributions from other qualified plans (rollovers). The Employer matching contribution amount varies based on the business unit with whom the participant is employed.”
Source: Form 11-K filed June 18, 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 INV. INST. OPS. CO. LLC”. 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.
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 General Dynamics plan report on Form 5500?
The General Dynamics plan reported $1.5B in assets and 9,223 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 | General Dynamics Corporation 401(k) Plan 3.0 |
|---|---|
| Total plan assets | $1,475,683,269 |
| Participants | 9,223 |
| Plan-paid admin cost per participant | $38.80 |
How that cost compares
This plan pays $38.80 per participant. The median across plans in computers and electronics manufacturing is $136.67, from the 597 of 644 whose Form 5500 yields a per-participant cost.
General Dynamics Corporation 401(k) Plan 3.0 on its Form 5500 filing: fees, providers and financials
How does General Dynamics' 401(k) match compare?
General Dynamics Corporation's filing does not state a maximum 401(k) match as a share of pay. Across the 269 companies in our data that do, the median is 4% of pay.
Employers worth reading next
Of the six employers below, three file in computers and electronics manufacturing and three vest on the same schedule.
Maximum match 6% of pay. Also in computers and electronics manufacturing.
Maximum match 5% of pay. Also in computers and electronics manufacturing.
Maximum match 5% of pay. Also in computers and electronics manufacturing.
Employer match vests immediately. Vests immediately too, like General Dynamics.
Maximum match 4.5% of pay. Vests immediately too, like General Dynamics.
Maximum match 5% of pay. Vests immediately too, like General Dynamics.
Compare General Dynamics Corporation with any company, side by side
What do General Dynamics' other 401(k) plans say?
General Dynamics Corporation 401(k) Plan 6.0
The filing states no limit on who this plan covers
General Dynamics Corporation matches 100% of employee contributions up to 6% of eligible pay (plan year ended December 31, 2025).
- Employer match vesting
- Not disclosed in the filing
- Automatic enrollment
- Yes: default deferral 6% of pay
What the filing says, word for word
“Employees are eligible to participate in the Plan upon hire or after reaching age 18, whichever is later. Participants may contribute from 1% up to 75% of eligible compensation as pre-tax deferrals, Roth deferrals or after-tax contributions, up to the statutory limits defined by the Internal Revenue Code (IRC). The Plan has an automatic enrollment feature under which new employees who do not make a contrary election as described in the Plan Document will automatically be enrolled in the Plan. The Plan's automatic enrollment deferral rate is 6%. Participants who have attained age 50 before the end of the plan year are eligible to make catch-up contributions. Participants may also contribute amounts representing distributions from other qualified plans (rollovers). The Plan has an Employer matching contribution of 100% of the first 6% of eligible compensation contributed to the Plan. The Plan is intended to be a safe harbor plan as defined in the IRC.”
General Dynamics Corporation 401(k) QACA Plan
The filing states no limit on who this plan covers
General Dynamics Corporation matches 100% (dollar-for-dollar) of the first 4% of pay, then 50% of the next 2% of pay, for a maximum employer match of 5% of compensation (plan year ended December 31, 2025).
- Employer match vesting
- Cliff: 100% vested after 2 years of service
- Automatic enrollment
- Yes: default deferral 6% of pay
What the filing says, word for word
“Employees are eligible to participate in the Plan upon hire or after reaching age 18, whichever is later. Participants may contribute from 1% up to 75% of eligible compensation as pre-tax deferrals, Roth deferrals or after-tax contributions, up to the statutory limits defined by the Internal Revenue Code (IRC). The Plan has an automatic enrollment feature under which new employees who do not make a contrary election as described in the Plan Document will automatically be enrolled in the Plan. The Plan's automatic enrollment deferral rate is 6%. Participants who have attained age 50 before the end of the plan year are eligible to make catch-up contributions. Participants may also contribute amounts representing distributions from other qualified plans (rollovers). The Plan has an Employer matching contribution of 100% of the first 4% of eligible compensation contributed to the Plan, and 50% of the next 2% of eligible compensation contributed to the Plan. The Plan is intended to be a safe-harbor plan as defined in the IRC.”
General Dynamics Corporation 401(k) Plan for Represented Employees
Employees covered by a collective-bargaining agreement
General Dynamics Corporation's match terms are set by collective bargaining agreements; the 11-K for the plan year ended December 31, 2025 does not state a single formula.
- Employer match vesting
- Not disclosed in the filing
- Automatic enrollment
- Yes:
What the filing says, word for word
“The Employer matching contribution varies based on the business unit with whom the participant is employed.”
What can you do next?
- 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.
Questions this filing answers
What is General Dynamics Corporation's 401(k) match?
General Dynamics Corporation discloses only part of its match terms in the 11-K for the plan year ended December 31, 2025.
When does the General Dynamics Corporation 401(k) match vest?
Immediate: employer match is 100% vested when contributed.
Does General Dynamics Corporation's 401(k) plan have automatic enrollment?
Yes: default deferral 6% of pay.
Who is the recordkeeper for General Dynamics Corporation's 401(k)?
Fidelity Investments is named as the recordkeeper on the Form 5500 filed for General Dynamics Corporation 401(k) Plan 3.0 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 General Dynamics Corporation 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 | General Dynamics Corporation |
| SEC CIK | 40533 |
| Accession number | 0000040533-26-000016 |
| Plan | General Dynamics Corporation 401(k) Plan 3.0 |
| Period of report | December 31, 2025 |
| Filed | June 18, 2026 |
401(k) Monitor is not affiliated with General Dynamics Corporation, 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, “General Dynamics Corporation 401(k) plan facts”, from SEC Form 11-K accession 0000040533-26-000016, plan year ended December 31, 2025.
