Huntington Bancshares Incorporated 401(k): Fidelity, match 4% max
The Huntington 401(k) Plan · HBAN · CIK 49196
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.
Maximum employer match, as a share of pay
4%
Huntington Bancshares Incorporated matches 150% of the first 2% of pay, then 100% (dollar-for-dollar) of the next 1% of pay, for a maximum employer match of 4% of pay.
From the Form 11-K filed June 25, 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 · who holds your account · what the plan reports to the DOL · how it compares · what to do next
What Huntington Bancshares puts in, and what the plan costs
What Huntington Bancshares put into the plan, per active participant
$2,976
Huntington Bancshares Incorporated put $2,976 into this plan for each of its 20,450 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.
Huntington Bancshares put in less per active participant than 81% 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 Huntington Bancshares 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.
What this figure cannot separate: how much Huntington Bancshares 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 310724920, plan 002 · DOL EFAST2 ↗
The $2,976 above is the Form 5500 figure for plan year 2024, and it counts every employer dollar on one line. Huntington Bancshares Incorporated also files a Form 11-K, which states the match formula for plan year 2025: the card below reads $1,980 a year at a $49,500 salary. 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 Huntington Bancshares puts in
$1,980
a year, at a $49,500 salary.
The match paragraph, word for word
“Huntington matches contributions equal to 150% on the first 2% of participant elective deferrals and 100% of the next 1% of participant elective deferrals. Employer matching contributions are on a two-year cliff-vesting schedule. After two years of service, the employer matching contributions will be 100% vested. All prior years of service count toward vesting. For highly compensated employees, compensation eligible for employer matching contributions is limited to $200,000.”
What you contribute to collect all of it
Contribute at least 3% of your pay to collect the full match.
That is $1,485 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
“Employer matching contributions are on a two-year cliff-vesting schedule. After two years of service, the employer matching contributions will be 100% vested. All prior years of service count toward vesting.”
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
54th percentile
$58.97 per participant in plan-paid administrative cost, more expensive than 54% of plans with 5,000+ participants.
What is Huntington Bancshares' 401(k) match formula?
Huntington Bancshares' 401(k) employer match tops out at 4% 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 | 150% of the first 2% of pay |
|---|---|
| then | 100% (dollar-for-dollar) of the next 1% of pay |
| Maximum employer match | 4% of compensation |
| Conditions | For highly compensated employees, compensation eligible for employer matching contributions is limited to $200,000 |
At a $45,000 salary, contributing 3% ($1,350) earns the full employer match of $1,800 for the year.
What the filing says, word for word
“Huntington matches contributions equal to 150% on the first 2% of participant elective deferrals and 100% of the next 1% of participant elective deferrals. Employer matching contributions are on a two-year cliff-vesting schedule. After two years of service, the employer matching contributions will be 100% vested. All prior years of service count toward vesting. For highly compensated employees, compensation eligible for employer matching contributions is limited to $200,000.”
Source: Form 11-K filed June 25, 2026, SEC EDGAR · SEC ↗
What is Huntington Bancshares' 401(k) vesting schedule?
Huntington Bancshares 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 | Not disclosed in the filing |
| Year of service | All prior years of service count toward vesting |
| Accelerated vesting | In the event of Plan termination, participants become 100% vested in their accounts |
Vesting, word for word
“Employer matching contributions are on a two-year cliff-vesting schedule. After two years of service, the employer matching contributions will be 100% vested. All prior years of service count toward vesting.”
Source: Form 11-K filed June 25, 2026, SEC EDGAR · SEC ↗
Who can join Huntington Bancshares' 401(k), and is enrollment automatic?
Huntington Bancshares enrolls new hires automatically at 4% of pay, rising 1% a year to 10% of pay.
| Plan entry | Employees must complete thirty days of employment before they are eligible to participate in the Plan |
|---|---|
| Automatic enrollment | Yes: default deferral 4% of pay; auto-escalation +1%/yr to 10%; default investment: Age-appropriate Vanguard Target Retirement Fund if a participant enrolls without making an investment election |
Eligibility, word for word
“Funding and Vesting - Employees must complete thirty days of employment before they are eligible to participate in the Plan. Participants may elect to make pre-tax and/or Roth 401(k) after tax contributions of up to 75% of their eligible compensation, subject to certain statutory limits.”
Automatic enrollment, word for word
“The Plan also includes an automatic enrollment feature. Eligible employees who do not enroll, or do not affirmatively opt out, will initially be enrolled at 4% of pre-tax eligible compensation for the first calendar year of their automatic enrollment. In addition, deferrals will automatically increase each January by 1% per year up to a maximum of 10% of plan eligible compensation, unless a participant affirmatively elects to opt out.”
Source: Form 11-K filed June 25, 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 INVESTMENTS INSTITUTIONAL”. 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.
10,593 plans on file name Fidelity Investments as their recordkeeper. Of those, the 10,022 with a computable fee have a median plan-paid cost of $97.71 per participant.
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 Huntington Bancshares plan report on Form 5500?
The Huntington Bancshares plan reported $2.4B in assets and 24,734 participants for plan year 2024.
| Total plan assets | $2,373,566,978 |
|---|---|
| Participants | 24,734 |
| Plan-paid admin cost per participant | $58.97 |
How that cost compares
This plan pays $58.97 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 Huntington 401(k) Plan on its Form 5500 filing: fees, providers and financials
How does Huntington Bancshares' 401(k) match compare?
Huntington Bancshares Incorporated's maximum 401(k) match of 4% 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 banks and lenders, two report the same recordkeeper and one vests on the same schedule.
Maximum match 4% of pay. Also at banks and lenders.
Maximum match 4% of pay. Also at banks and lenders.
Maximum match 4% of pay. Also at banks and lenders.
Maximum match 4% of pay. Same recordkeeper, Fidelity Investments.
Maximum match 4% of pay. Same recordkeeper, Fidelity Investments.
Maximum match 7.5% of pay. Same 2-year cliff as Huntington Bancshares.
Compare Huntington Bancshares Incorporated with any company, side by side
What can you do next?
- Read the Form 11-K on SEC EDGAR ↗
Form 11-K filed June 25, 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 Huntington Bancshares Incorporated's 401(k) match?
Huntington Bancshares Incorporated matches 150% of the first 2% of pay, then 100% (dollar-for-dollar) of the next 1% of pay, for a maximum employer match of 4% of compensation (plan year ended December 31, 2025).
When does the Huntington Bancshares Incorporated 401(k) match vest?
Cliff: 100% vested after 2 years of service.
Does Huntington Bancshares Incorporated's 401(k) plan have automatic enrollment?
Yes: default deferral 4% of pay; auto-escalation +1%/yr to 10%; default investment: Age-appropriate Vanguard Target Retirement Fund if a participant enrolls without making an investment election.
Who is the recordkeeper for Huntington Bancshares Incorporated's 401(k)?
Fidelity Investments is named as the recordkeeper on the Form 5500 filed for The Huntington 401(k) 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.
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 Huntington Bancshares Incorporated 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 | Huntington Bancshares Incorporated |
| SEC CIK | 49196 |
| Accession number | 0000049196-26-000057 |
| Plan | The Huntington 401(k) Plan |
| Period of report | December 31, 2025 |
| Filed | June 25, 2026 |
401(k) Monitor is not affiliated with Huntington Bancshares Incorporated, 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, “Huntington Bancshares Incorporated 401(k) plan facts”, from SEC Form 11-K accession 0000049196-26-000057, plan year ended December 31, 2025.
