Huntington Ingalls Industries, Inc. 401(k) match: 4% max
Huntington Ingalls Industries Savings Plan · HII · CIK 1501585
Maximum employer match, as a share of pay
4%
Huntington Ingalls Industries, Inc. matches 100% (dollar-for-dollar) of the first 2% of pay, then 50% of the next 2% of pay, then 25% of the next 4% of pay, for a maximum employer match of 4% of pay.
Huntington Ingalls filed two Form 11-K reports for plan year 2025, of which one has been read. The other report has not, so this page cannot say what the plan it covers pays.
From the Form 11-K filed June 10, 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 · what the plan reports to the DOL · how it compares · what to do next
What Huntington Ingalls puts in, and what the plan costs
What Huntington Ingalls put into the plan, per active participant
$4,233
Huntington Ingalls Industries, Inc. put $4,233 into this plan for each of its 36,917 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 Ingalls put in more per active participant than 50% of plans with 5,000+ participants in aerospace and vehicle manufacturing. The middle plan in that group of 69 reported $4,233. Aerospace and vehicle manufacturing comes from business code 336610, which Huntington Ingalls 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 Ingalls 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 900607005, plan 011 · DOL EFAST2 ↗
The $4,233 above is the Form 5500 figure for plan year 2024, and it counts every employer dollar on one line. Huntington Ingalls Industries, Inc. 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, 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 Huntington Ingalls puts in
$1,980
a year, at a $49,500 salary.
The match paragraph, word for word
“The Company’s matching contributions are generally as follows: Company Employee Contribution Match First 2% of participant’s eligible compensation 100% Next 2% of participant’s eligible compensation 50% Next 4% of participant’s eligible compensation 25%”
What you contribute to collect all of it
Contribute at least 8% of your pay to collect the full match.
That is $3,960 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
“Vesting — Plan participants are immediately vested in their own and employer matching contributions (including any investment earnings thereon). Plan participants are fully vested in their RAC, plus earnings thereon, upon the completion of three years of vesting 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 Huntington Ingalls' 401(k) match formula?
Huntington Ingalls' 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 | 100% (dollar-for-dollar) of the first 2% of pay |
|---|---|
| then | 50% of the next 2% of pay |
| then | 25% of the next 4% of pay |
| Maximum employer match | 4% of compensation |
| Other employer contribution | Retirement Account Contribution (RAC) for certain employees hired or re-hired on or after March 31, 2011, credited each pay period as a percentage of eligible compensation based on age: 3% under age 35, 4% for ages 35 to 49, 5% for age 50 or older |
At a $60,000 salary, contributing 8% ($4,800) earns the full employer match of $2,400 for the year.
What the filing says, word for word
“The Company’s matching contributions are generally as follows: Company Employee Contribution Match First 2% of participant’s eligible compensation 100% Next 2% of participant’s eligible compensation 50% Next 4% of participant’s eligible compensation 25%”
Source: Form 11-K filed June 10, 2026, SEC EDGAR, corroborated by the filing's inline-XBRL facts · SEC ↗
What is Huntington Ingalls' 401(k) vesting schedule?
Huntington Ingalls 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 | Participants are fully vested in their RAC, plus earnings thereon, upon completion of three years of vesting service; 100% vesting on Plan termination |
Vesting, word for word
“Vesting — Plan participants are immediately vested in their own and employer matching contributions (including any investment earnings thereon). Plan participants are fully vested in their RAC, plus earnings thereon, upon the completion of three years of vesting service.”
Source: Form 11-K filed June 10, 2026, SEC EDGAR · SEC ↗
Who can join Huntington Ingalls' 401(k), and is enrollment automatic?
Huntington Ingalls enrolls new hires automatically at 2% of pay, rising 1% a year.
| Plan entry | Substantially all employees of the Company and its affiliates who are at least 18 years old, are citizens or residents of the United States, and are not covered under another defined contribution plan |
|---|---|
| Excluded groups | Employees covered under another defined contribution plan |
| Automatic enrollment | Yes: default deferral 2% of pay; 45-day opt-out window; auto-escalation +1%/yr |
Eligibility, word for word
“The Plan covers substantially all employees of the Company and its affiliates who are at least 18 years old, are citizens or residents of the United States of America, and are not covered under another defined contribution plan.”
Automatic enrollment, word for word
“First time eligible employee (newly hired, rehired or certain transfers) participants are enrolled automatically into the Plan at a 2% tax-deferred contribution rate approximately 45 days after the date of hire, rehire, or transfer unless an alternative election is made. If an alternate election is not made, such contributions are automatically increased by 1% each year thereafter.”
Source: Form 11-K filed June 10, 2026, SEC EDGAR · SEC ↗
What does the Huntington Ingalls plan report on Form 5500?
The Huntington Ingalls plan reported $6.0B in assets and 47,792 participants for plan year 2024.
| Total plan assets | $5,951,871,222 |
|---|---|
| Participants | 47,792 |
| Recordkeeper | State Street Bank And Trust Company (Trustee) |
How that cost compares
It is one of 934 plans in aerospace and vehicle manufacturing in the Form 5500 data we publish.
Huntington Ingalls Industries Savings Plan on its Form 5500 filing: fees, providers and financials
How does Huntington Ingalls' 401(k) match compare?
Huntington Ingalls Industries, Inc.'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, three file in aerospace and vehicle manufacturing, two land near Huntington Ingalls' maximum match and one vests on the same schedule.
Maximum match 3% of pay. Also in aerospace and vehicle manufacturing.
Maximum match 4% of pay. Also in aerospace and vehicle manufacturing.
Maximum match 3% of pay. Also in aerospace and vehicle manufacturing.
Maximum match 4% of pay, level with Huntington Ingalls.
Maximum match 4% of pay, level with Huntington Ingalls.
Employer match vests immediately. Vests immediately too, like Huntington Ingalls.
Compare Huntington Ingalls Industries, Inc. with any company, side by side
What can you do next?
- 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 Huntington Ingalls Industries, Inc.'s 401(k) match?
Huntington Ingalls Industries, Inc. matches 100% (dollar-for-dollar) of the first 2% of pay, then 50% of the next 2% of pay, then 25% of the next 4% of pay, for a maximum employer match of 4% of compensation (plan year ended December 31, 2025).
When does the Huntington Ingalls Industries, Inc. 401(k) match vest?
Immediate: employer match is 100% vested when contributed.
Does Huntington Ingalls Industries, Inc.'s 401(k) plan have automatic enrollment?
Yes: default deferral 2% of pay; 45-day opt-out window; auto-escalation +1%/yr.
Cite: 401(k) Monitor, “Huntington Ingalls Industries, Inc. 401(k) plan facts”, from SEC Form 11-K accession 0001501585-26-000039, plan year ended 2025-12-31.