GLOBE LIFE INC. 401(k): Empower, match 3.5% max
Globe Life Inc. Savings and Investment Plan · GL · CIK 320335
Empower 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.
Maximum employer match, as a share of pay
3.5%
GLOBE LIFE INC. matches 100% (dollar-for-dollar) of the first 1% of pay, then 50% of the next 5% of pay, for a maximum employer match of 3.5% of pay.
GLOBE LIFE's Form 11-K filings for plan year 2025 describe two separate 401(k) plans. The terms on this page are read from the Globe Life Inc. Savings and Investment Plan. Both state the same maximum match.
From the Form 11-K filed June 26, 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 · what the employer actually paid 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 GLOBE LIFE 401(k) plan are you in?
GLOBE LIFE's Form 11-K filings for this plan year describe two plans and all of them state the same maximum employer match. The group each plan covers still differs, and so can the vesting and enrollment terms further down this page, which are read from the Globe Life Inc. Savings and Investment Plan.
Globe Life Inc. Savings and Investment Plan (the plan this page answers for)
The filing states no limit on who this plan covers · Form 11-K ↗
3.5% of pay, at most
American Income Life Insurance Company Exempt Employees 401(k) Profit Sharing Plan
American Income Life Insurance employees · Form 11-K ↗
3.5% of pay, at most
One row per plan, taken from the two 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 GLOBE LIFE puts in, and what the plan costs
What GLOBE LIFE put into the plan, per active participant
$1,888
GLOBE LIFE INC. put $1,888 into this plan for each of its 2,816 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.
GLOBE LIFE put in less per active participant than 68% of plans with 1,000–4,999 participants at holding companies. The middle plan in that group of 157 reported $2,643. Holding companies comes from business code 551112, which GLOBE LIFE 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 GLOBE LIFE 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 630780404, plan 001 · DOL EFAST2 ↗
The $1,888 above is the Form 5500 figure for plan year 2024, and it counts every employer dollar on one line. GLOBE LIFE INC. also files a Form 11-K, which states the match formula for plan year 2025: the card below reads $1,733 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 GLOBE LIFE puts in
$1,733
a year, at a $49,500 salary.
The match paragraph, word for word
“Participating employers contribute to the Plan out of their current or accumulated earnings for the year an amount equal to 100% of the participant’s contribution equal to the first 1% of compensation and 50% of a participant’s contributions of the next 5% of a participant’s compensation (limited to 6% of participant’s compensation).”
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
71.43 out of 100
How fast the employer’s money becomes yours. Higher than 32% 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: 0%, 0%, 100%, 100%, 100%, 100%, 100%. The score is the average of those 7 readings.
Vesting, word for word
“The participant’s employer contributions are vested in accordance with the following schedule:”
A worker hired today collects no match for 1 year. This is a filed term, and it does not move the score above.
Eligibility, word for word
“An employee is eligible to participate in the Plan on the date coincident with their date of hire.”
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
66th percentile
$111.65 per participant in plan-paid administrative cost, more expensive than 66% of plans with 1,000–4,999 participants.
What is GLOBE LIFE's 401(k) match formula?
GLOBE LIFE's 401(k) employer match tops out at 3.5% of pay. 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 5% of pay |
| Maximum employer match | 3.5% of compensation |
| Conditions | Participating employer contributions commence on the date coincident with the employee’s one year anniversary from their date of hire. |
| Other employer contribution | Additional profit-sharing or other discretionary amounts may be contributed to the Plan at the discretion of the Company's Board of Directors. These discretionary contributions are vested on a cascading basis, earning 20% each year after two years of credited service, and are fully vested after 6 years of credited service. |
At a $90,000 salary, contributing 6% ($5,400) earns the full employer match of $3,150 for the year.
What the filing says, word for word
“Participating employers contribute to the Plan out of their current or accumulated earnings for the year an amount equal to 100% of the participant’s contribution equal to the first 1% of compensation and 50% of a participant’s contributions of the next 5% of a participant’s compensation (limited to 6% of participant’s compensation).”
Source: Form 11-K filed June 26, 2026, SEC EDGAR, corroborated by the filing's inline-XBRL facts · SEC ↗
What is GLOBE LIFE's 401(k) vesting schedule?
GLOBE LIFE 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 |
| Other employer contributions | Additional profit-sharing or other discretionary amounts are vested on a cascading basis, earning 20% each year after two years of credited service, and are fully vested after 6 years of credited service. |
Vesting, word for word
“The participant’s employer contributions are vested in accordance with the following schedule:”
Source: Form 11-K filed June 26, 2026, SEC EDGAR · SEC ↗
Who can join GLOBE LIFE's 401(k), and is enrollment automatic?
GLOBE LIFE enrolls new hires automatically at 3% of pay, rising 1% a year to 6% of pay.
| Plan entry | An employee is eligible to participate in the Plan on the date coincident with their date of hire. |
|---|---|
| Match eligibility | Participating employer contributions commence on the date coincident with the employee’s one year anniversary from their date of hire. |
| Automatic enrollment | Yes: default deferral 3% of pay; auto-escalation +1%/yr to 6% |
Eligibility, word for word
“An employee is eligible to participate in the Plan on the date coincident with their date of hire.”
Automatic enrollment, word for word
“For any employee who becomes an eligible employee on or after January 1, 2012 and does not affirmatively elect otherwise, that employee will be automatically enrolled with salary deferrals of 3% upon the date coincident with the employee's one year anniversary from their date of hire. That amount will increase by 1% each Plan Year until the amount reaches 6% of compensation.”
Source: Form 11-K filed June 26, 2026, SEC EDGAR · SEC ↗
Who holds your account
Schedule C of the Form 5500 filed for plan year 2024 reports Empower, filed as “EMPOWER ANNUITY INSURANCE COMPANY”. 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.
7,876 plans on file name Empower as their recordkeeper. Of those, the 7,813 with a computable fee have a median plan-paid cost of $165.72 per participant.
Participants log in at Empower ↗. 401(k) Monitor is not affiliated with Empower or with any other recordkeeper, and takes nothing for this link. It is here because that is where the account is.
| Recordkeeper | Empower |
|---|---|
| Recordkeeper EIN | 840467907 |
What does the GLOBE LIFE plan report on Form 5500?
The GLOBE LIFE plan reported $258.5M in assets and 3,275 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 | Globe Life Inc. Savings And Investment Plan |
|---|---|
| Total plan assets | $258,543,644 |
| Participants | 3,275 |
| Plan-paid admin cost per participant | $111.65 |
How that cost compares
This plan pays $111.65 per participant. The median across plans at holding companies is $106.24, from the 612 of 643 whose Form 5500 yields a per-participant cost.
Read from the Form 5500 filing of Globe Life Inc. Savings And Investment Plan, which has no page of its own here.
How does GLOBE LIFE's 401(k) match compare?
GLOBE LIFE INC.'s maximum 401(k) match of 3.5% of pay compares with a median of 4% across the 269 companies in our data with a computable formula.
Employers worth reading next
Of the six employers below, three file at holding companies, two report the same recordkeeper and one vests on the same schedule.
Maximum match 3% of pay. Also at holding companies.
Maximum match 3.5% of pay. Also at holding companies.
Maximum match 3% of pay. Also at holding companies.
Maximum match 3% of pay. Same recordkeeper, Empower.
Maximum match 3.5% of pay. Same recordkeeper, Empower.
Maximum match 3% of pay. Same 2-year cliff as GLOBE LIFE.
What do GLOBE LIFE's other 401(k) plans say?
American Income Life Insurance Company Exempt Employees 401(k) Profit Sharing Plan
American Income Life Insurance employees
Globe Life Inc. matches 100% (dollar-for-dollar) of the first 1% of pay, then 50% of the next 5% of pay, for a maximum employer match of 3.5% of compensation (plan year ended December 31, 2025).
- Employer match vesting
- Cliff: 100% vested after 2 years of service
- Automatic enrollment
- Yes: default deferral 3% of pay; auto-escalation +1%/yr to 6%
What the filing says, word for word
“Participating employers contribute to the Plan out of their current or accumulated earnings for the year for an amount equal to 100% of the participant’s contribution of the first 1% of compensation and 50% of a participant’s contributions of the next 5% of a participant’s compensation (limited to 6% of participant’s compensation).”
What can you do next?
- Read the Form 11-K on SEC EDGAR ↗
Form 11-K filed June 26, 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 GLOBE LIFE INC.'s 401(k) match?
Globe Life Inc. matches 100% (dollar-for-dollar) of the first 1% of pay, then 50% of the next 5% of pay, for a maximum employer match of 3.5% of compensation (plan year ended December 31, 2025).
When does the GLOBE LIFE INC. 401(k) match vest?
Cliff: 100% vested after 2 years of service.
Does GLOBE LIFE INC.'s 401(k) plan have automatic enrollment?
Yes: default deferral 3% of pay; auto-escalation +1%/yr to 6%.
Who is the recordkeeper for GLOBE LIFE INC.'s 401(k)?
Empower is named as the recordkeeper on the Form 5500 filed for Globe Life Inc. Savings And Investment Plan 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 GLOBE LIFE INC. 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 | GLOBE LIFE INC. |
| SEC CIK | 320335 |
| Accession number | 0000320335-26-000194 |
| Plan | Globe Life Inc. Savings and Investment Plan |
| Period of report | December 31, 2025 |
| Filed | June 26, 2026 |
401(k) Monitor is not affiliated with GLOBE LIFE INC., 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, “GLOBE LIFE INC. 401(k) plan facts”, from SEC Form 11-K accession 0000320335-26-000194, plan year ended December 31, 2025.
