The Goodyear Tire & Rubber Company 401(k) match for Cooper Tire & Rubber employees in Findlay: 0.25% max
Cooper Tire & Rubber Company Pre-Tax Savings Plan (Findlay) · GT · CIK 42582
Maximum employer match, as a share of pay
0.25%
The Goodyear Tire & Rubber Cooper Tire plan matches 25% of the first 1% of pay.
The match, vesting and enrollment terms below are for Cooper Tire & Rubber employees in Findlay: they are read from the Cooper Tire & Rubber Company Pre-Tax Savings Plan (Findlay). Goodyear Tire & Rubber's Form 11-K filings for plan year 2025 describe five separate 401(k) plans. They do not all state the same match, so each one is listed below with the group it covers and what it pays.
From the Form 11-K filed June 4, 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 · what the plan reports to the DOL · how it compares · what to do next
Which Goodyear Tire & Rubber 401(k) plan are you in?
Goodyear Tire & Rubber's Form 11-K filings for this plan year describe five plans, and they do not state the same match. 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 Cooper Tire & Rubber Company Pre-Tax Savings Plan (Findlay).
Cooper Tire & Rubber Company Pre-Tax Savings Plan (Findlay) (the plan this page answers for)
Cooper Tire & Rubber employees in Findlay · Form 11-K ↗
0.25% of pay, at most
Cooper Tire & Rubber Company Pre-Tax Savings Plan (Texarkana)
Cooper Tire & Rubber employees in Texarkana · Form 11-K ↗
0.25% of pay, at most
The Goodyear Tire & Rubber Company Employee Savings Plan for Bargaining Unit Employees
Employees covered by a collective-bargaining agreement · Form 11-K ↗
2% of pay, at most
The Goodyear Tire & Rubber Company Employee Savings Plan for Salaried Employees
Salaried employees · Form 11-K ↗
2% of pay, at most
The Goodyear Tire & Rubber Company Savings Plan for Retail Employees
Retail employees · Form 11-K ↗
2% of pay, at most
One row per plan, taken from the five 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 the Goodyear Tire & Rubber Cooper Tire plan puts in, and what the plan costs
What Goodyear Tire & Rubber put into the plan, per active participant
$6,544
The Goodyear Tire & Rubber Company put $6,544 into this plan for each of its 9,715 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.
Goodyear Tire & Rubber put in more per active participant than 84% of plans with 5,000+ participants in industrial and materials manufacturing. The middle plan in that group of 178 reported $3,585. Industrial and materials manufacturing comes from business code 326200, which Goodyear Tire & Rubber 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.
The match terms above are read from the Cooper Tire & Rubber Company Pre-Tax Savings Plan (Findlay), which covers Cooper Tire & Rubber employees in Findlay. This figure is read from the Form 5500 filed for The Goodyear Tire & Rubber Company Employee Savings Plan For Salaried Employees, which is a filing of its own. 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 Goodyear Tire & Rubber 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 340253240, plan 004 · DOL EFAST2 ↗
The $6,544 above is the Form 5500 figure for plan year 2024, and it counts every employer dollar on one line. The Goodyear Tire & Rubber Company also files a Form 11-K, which states the match formula for plan year 2025: the card below reads $124 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 Goodyear Tire & Rubber Cooper Tire plan puts in
$124
a year, at a $49,500 salary.
The match paragraph, word for word
“Goodyear makes retirement contributions for employees hired on and after January 1, 2009 in an amount equal to 3% of compensation for the payroll period for each person who is an eligible employee on the last day of that period. All contributions are subject to certain limitations of the Internal Revenue Code (the “Code”). Effective January 1, 2025, employees hired on and after January 1, 2009 are eligible for Company matching contributions equal to 25% of the first 1% of eligible compensation that the employee contributes to the Plan, gradually increasing in annual increments to 50% of the first 2% of eligible compensation, effective January 1, 2028. Effective January 1, 2025, employees hired on and after January 1, 2025 are eligible to receive retirement and matching contributions after completion of 90 days of continuous credited service.”
What you contribute to collect all of it
Contribute at least 1% of your pay to collect the full match.
That is $495 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 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: 0%, 0%, 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 plus actual earnings thereon. Participants hired prior to July 1, 2024 are immediately vested in employer contributions. Participants hired on and after July 1, 2024 vest in employer contributions after completion of two years of continuous credited service.”
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
The Form 5500 filing does not report the plan-paid administrative expenses this figure needs.
What is the Goodyear Tire & Rubber Cooper Tire plan's 401(k) match formula?
The Goodyear Tire & Rubber Cooper Tire plan's 401(k) employer match tops out at 0.25% of pay. One rate up to one limit is the commonest of the four shapes a match formula takes.
| Match formula | 25% of the first 1% of pay |
|---|---|
| Maximum employer match | 0.25% of compensation |
| Conditions | Matching contributions apply to employees hired on and after January 1, 2009. The match rate is scheduled to increase gradually in annual increments to 50% of the first 2% of eligible compensation effective January 1, 2028. Employees hired on and after January 1, 2025 are eligible to receive retirement and matching contributions after completion of 90 days of continuous credited service. |
| Current formula effective | January 1, 2025 |
| Other employer contribution | Retirement contribution: 3% of compensation for the payroll period, for employees hired on and after January 1, 2009 who are eligible employees on the last day of that period |
At a $75,000 salary, contributing 1% ($750) earns the full employer match of $188 for the year.
Goodyear Tire & Rubber appears in our match-change tracker. We keep a dated page for it: Goodyear introduced a 401(k) match, effective January 1, 2025.
What the filing says, word for word
“Goodyear makes retirement contributions for employees hired on and after January 1, 2009 in an amount equal to 3% of compensation for the payroll period for each person who is an eligible employee on the last day of that period. All contributions are subject to certain limitations of the Internal Revenue Code (the “Code”). Effective January 1, 2025, employees hired on and after January 1, 2009 are eligible for Company matching contributions equal to 25% of the first 1% of eligible compensation that the employee contributes to the Plan, gradually increasing in annual increments to 50% of the first 2% of eligible compensation, effective January 1, 2028. Effective January 1, 2025, employees hired on and after January 1, 2025 are eligible to receive retirement and matching contributions after completion of 90 days of continuous credited service.”
Source: Form 11-K filed June 4, 2026, SEC EDGAR, corroborated by the filing's inline-XBRL facts · SEC ↗
What is the Goodyear Tire & Rubber Cooper Tire plan's 401(k) vesting schedule?
The Goodyear Tire & Rubber Cooper Tire plan 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 |
| Year of service | Two years of continuous credited service; applies to participants hired on and after July 1, 2024 (participants hired prior to July 1, 2024 are immediately vested in employer contributions) |
| Accelerated vesting | In the event of Plan termination, all participants' accounts become fully vested with respect to employer contributions |
| Other employer contributions | Same schedule as all employer contributions: immediate for participants hired prior to July 1, 2024; two years of continuous credited service for participants hired on and after July 1, 2024 |
Vesting, word for word
“Participants are immediately vested in their contributions plus actual earnings thereon. Participants hired prior to July 1, 2024 are immediately vested in employer contributions. Participants hired on and after July 1, 2024 vest in employer contributions after completion of two years of continuous credited service.”
Source: Form 11-K filed June 4, 2026, SEC EDGAR · SEC ↗
Who can join the Goodyear Tire & Rubber Cooper Tire plan's 401(k), and is enrollment automatic?
The Goodyear Tire & Rubber Cooper Tire plan enrolls new hires automatically at 3% of pay.
| Plan entry | All hourly employees covered by the collective bargaining agreement between the United Steelworkers of America Local #207L and Goodyear; participants may contribute after completing 30 days of continuous credited service |
|---|---|
| Match eligibility | Employees hired on and after January 1, 2009 are eligible for matching contributions; employees hired on and after January 1, 2025 become eligible for retirement and matching contributions after 90 days of continuous credited service |
| Automatic enrollment | Yes: default deferral 3% of pay |
Eligibility, word for word
“The Plan covers all hourly employees covered by the collective bargaining agreement between the United Steelworkers of America Local #207L and Goodyear. Newly eligible participants are automatically enrolled with 3% elective deferrals unless the participant elects otherwise.”
Automatic enrollment, word for word
“Newly eligible participants are automatically enrolled with 3% elective deferrals unless the participant elects otherwise.”
Source: Form 11-K filed June 4, 2026, SEC EDGAR · SEC ↗
What does the Goodyear Tire & Rubber plan report on Form 5500?
The Goodyear Tire & Rubber plan reported $2.5B in assets and 13,443 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 | The Goodyear Tire & Rubber Company Employee Savings Plan For Salaried Employees |
|---|---|
| Total plan assets | $2,465,934,732 |
| Participants | 13,443 |
| Recordkeeper | Empower Retirement (Recordkeeper); The Northern Trust Company (Trustee Of The Goodyear Tire & Rubber Company Commingled Trust) |
How that cost compares
It is one of 6,008 plans in industrial and materials manufacturing in the Form 5500 data we publish.
How does the Goodyear Tire & Rubber Cooper Tire plan's 401(k) match compare?
The Goodyear Tire & Rubber Cooper Tire plan's maximum 401(k) match of 0.25% 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 industrial and materials manufacturing, two land near Goodyear Tire & Rubber's maximum match and one vests on the same schedule.
Maximum match 3% of pay. Also in industrial and materials manufacturing.
Maximum match 3% of pay. Also in industrial and materials manufacturing.
Maximum match 3% of pay. Also in industrial and materials manufacturing.
Maximum match 1% of pay, 0.75 points above Goodyear Tire & Rubber.
Maximum match 1.5% of pay, 1.25 points above Goodyear Tire & Rubber.
Maximum match 6% of pay. Same 2-year cliff as Goodyear Tire & Rubber.
Compare The Goodyear Tire & Rubber Company with any company, side by side
What do Goodyear Tire & Rubber's other 401(k) plans say?
Cooper Tire & Rubber Company Pre-Tax Savings Plan (Texarkana)
Cooper Tire & Rubber employees in Texarkana
The Goodyear Tire & Rubber Company matches 25% of employee contributions up to 1% of eligible pay (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
What the filing says, word for word
“Goodyear makes retirement contributions for employees hired on and after February 1, 2012 in an amount equal to 3% of compensation for the payroll period for each person who is an eligible employee on the last day of that period. All contributions are subject to certain limitations of the Internal Revenue Code (the “Code”). Effective January 1, 2025, employees of USW Local #752 who are hired on and after February 1, 2012 will be eligible for matching contributions that commence at 25% of the first 1% of eligible compensation that the employee contributes to the Plan, gradually increasing in annual increments to 50% of the first 2% of eligible compensation, effective January 1, 2028. Effective January 1, 2025, employees of USW Local #752 who are hired on and after January 1, 2025 shall become eligible to receive retirement and matching contributions after completion of 90 days of continuous credited service.”
The Goodyear Tire & Rubber Company Employee Savings Plan for Bargaining Unit Employees
Employees covered by a collective-bargaining agreement
The Goodyear Tire & Rubber Company matches 50% of employee contributions up to 4% of eligible pay (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
What the filing says, word for word
“Participants of the Plan who never participated in The Goodyear Tire & Rubber Company 1950 Pension Plan (“1950 Pension Plan”) and are covered by the USW Master and Niagara Falls, Akron Emergency Services, Houston Chemical Plant and Topeka Powerhouse labor contracts are eligible for Company retirement contributions which range from 5.25% to 6.5% of eligible compensation based on age. In addition, participants covered by the USW Master and Niagara Falls labor contracts are eligible for weekly contributions of $50 for up to 24 months if they are not working, but accruing seniority. Participants of the Plan who never participated in the 1950 Pension Plan and are covered by the Stockbridge, Georgia labor contract are eligible for a Company matching contribution equal to 50% of the first 4% of eligible compensation that the employee contributes to the Plan.”
The Goodyear Tire & Rubber Company Employee Savings Plan for Salaried Employees
Salaried employees
The Goodyear Tire & Rubber Company matches 50% of employee contributions up to 4% of eligible pay (plan year ended December 31, 2025).
- Employer match vesting
- Cliff: 100% vested after 2 years of service
- Automatic enrollment
- Yes: default deferral 5% of pay; auto-escalation +1%/yr to 15%
What the filing says, word for word
“The Plan provides a Company Retirement Contribution equal to 4% of eligible compensation and Company matching contribution equal to 50% of the first 4% of eligible compensation that the employee contributes to the Plan. Participants can elect to invest Company contributions in any of the investment options available for employee contributions. Participants may not elect to invest more than 10% of Company contributions in the Goodyear Stock Fund.”
The Goodyear Tire & Rubber Company Savings Plan for Retail Employees
Retail employees
The Goodyear Tire & Rubber Company matches 50% of employee contributions up to 4% of eligible pay (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
What the filing says, word for word
“After one year of continuous service, Participants are eligible to receive Company matching contributions equal to 50% of the first 4% of eligible compensation contributed by the participant through elective deferrals to the Plan. In addition, the Company provides Retirement Contributions to the Plan for employees forty years of age and older, at percentages ranging from 1% to 2%, dependent on age. However, participants must be hired before January 1, 2005, participated in a Company defined benefit pension plan, and participating in the Plan during the contribution period to be eligible to receive the Company Retirement Contribution. Participants can elect to invest these contributions in any of the investment options available for employee contributions. Participants may not elect to invest more than 10% of Company contributions in the Goodyear Stock Fund.”
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 4, 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 The Goodyear Tire & Rubber Company's 401(k) match for Cooper Tire & Rubber employees in Findlay?
The Cooper Tire & Rubber Company Pre-Tax Savings Plan (Findlay) covers Cooper Tire & Rubber employees in Findlay. The Goodyear Tire & Rubber Company matches 25% of employee contributions up to 1% of eligible pay (plan year ended December 31, 2025).
When does the The Goodyear Tire & Rubber Company 401(k) match vest for Cooper Tire & Rubber employees in Findlay?
Cliff: 100% vested after 2 years of service.
Does The Goodyear Tire & Rubber Company's 401(k) plan for Cooper Tire & Rubber employees in Findlay have automatic enrollment?
Yes: default deferral 3% of pay.
Cite: 401(k) Monitor, “The Goodyear Tire & Rubber Company 401(k) plan facts for Cooper Tire & Rubber employees in Findlay”, from SEC Form 11-K accession 0001628280-26-040676, plan year ended 2025-12-31.