Ingersoll Rand Inc. 401(k) match: 6% max
Ingersoll Rand Retirement Savings Plan · IR · CIK 1699150
Maximum employer match, as a share of pay
6%
Ingersoll Rand Inc. matches 100% (dollar-for-dollar) of the first 6% of pay.
From the Form 11-K filed June 23, 2026 ↗, covering the plan year ended December 31, 2025. Why filings lag
On this page: the formula, word for word · when the money becomes yours · who can join · what else the 11-K reports · how it compares · what to do next
What Ingersoll Rand puts in, and what the plan costs
What Ingersoll Rand puts in
$2,970
a year, at a $49,500 salary.
The match paragraph, word for word
“The Company provides a safe-harbor matching contribution equal to 100% of the first 3% of each participant’s deferral contribution and 50% of the next 3% of each participant’s deferral contribution for certain bargaining unit employees. All other participants receive a matching contribution of 100% of the first 6% of each participant’s contribution. The Company provides for an additional year-end “true-up” matching contribution which allows an eligible participant to receive the maximum company matching contribution eligible to him/her. Beginning with the 2025 plan year, certain qualified student loan repayments were treated as plan contributions for purposes of calculating the true-up.”
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
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
“Participants in the Plan are immediately fully vested in their contributions, Company matching contributions and the earnings thereon. There are certain accounts in the Plan related to prior Company contributions that are subject to vesting schedules, which require 5 years of service or 3 years of service to become fully vested in such accounts, depending on the type of historic Company contribution. Notwithstanding the foregoing, participants become fully vested upon reaching retirement age, death, or permanent and total disability.”
The plan tops the match up after year end, so contributing unevenly through the year does not cost the worker part of it.
The same match paragraph, word for word
“The Company provides a safe-harbor matching contribution equal to 100% of the first 3% of each participant’s deferral contribution and 50% of the next 3% of each participant’s deferral contribution for certain bargaining unit employees. All other participants receive a matching contribution of 100% of the first 6% of each participant’s contribution. The Company provides for an additional year-end “true-up” matching contribution which allows an eligible participant to receive the maximum company matching contribution eligible to him/her. Beginning with the 2025 plan year, certain qualified student loan repayments were treated as plan contributions for purposes of calculating the true-up.”
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
No Form 5500 record is joined to this employer, so there is no plan-paid cost to show.
What is Ingersoll Rand's 401(k) match formula?
Ingersoll Rand's 401(k) employer match tops out at 6% of pay. The plan pays an annual true-up. What an annual true-up repays is the arithmetic behind that line: it matters most in a year when contributions land unevenly.
| Match formula | 100% (dollar-for-dollar) of the first 6% of pay |
|---|---|
| Maximum employer match | 6% of compensation |
| True-upA year-end recalculation that repays match lost to uneven contributions. | Yes, annual true-up |
| Conditions | The 100% of the first 6% safe-harbor match applies to all participants other than certain bargaining unit employees, who instead receive 100% of the first 3% and 50% of the next 3% of deferral contributions. Beginning with the 2025 plan year, certain qualified student loan repayments were treated as plan contributions for purposes of calculating the year-end true-up. |
At a $75,000 salary, contributing 6% ($4,500) earns the full employer match of $4,500 for the year.
What the filing says, word for word
“The Company provides a safe-harbor matching contribution equal to 100% of the first 3% of each participant’s deferral contribution and 50% of the next 3% of each participant’s deferral contribution for certain bargaining unit employees. All other participants receive a matching contribution of 100% of the first 6% of each participant’s contribution. The Company provides for an additional year-end “true-up” matching contribution which allows an eligible participant to receive the maximum company matching contribution eligible to him/her. Beginning with the 2025 plan year, certain qualified student loan repayments were treated as plan contributions for purposes of calculating the true-up.”
Source: Form 11-K filed June 23, 2026, SEC EDGAR, corroborated by the filing's inline-XBRL facts · SEC ↗
What is Ingersoll Rand's 401(k) vesting schedule?
Ingersoll Rand 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 |
| Accelerated vesting | Participants become fully vested upon reaching retirement age, death, or permanent and total disability |
| Other employer contributions | Certain accounts related to prior Company contributions are subject to vesting schedules requiring 5 years of service or 3 years of service to become fully vested, depending on the type of historic Company contribution |
Vesting, word for word
“Participants in the Plan are immediately fully vested in their contributions, Company matching contributions and the earnings thereon. There are certain accounts in the Plan related to prior Company contributions that are subject to vesting schedules, which require 5 years of service or 3 years of service to become fully vested in such accounts, depending on the type of historic Company contribution. Notwithstanding the foregoing, participants become fully vested upon reaching retirement age, death, or permanent and total disability.”
Source: Form 11-K filed June 23, 2026, SEC EDGAR · SEC ↗
Who can join Ingersoll Rand's 401(k), and is enrollment automatic?
Ingersoll Rand enrolls new hires automatically at 3% of pay, rising 1% a year to 6% of pay.
| Plan entry | Salaried, non-union hourly and union employees (if permitted by their collective bargaining agreement) of Ingersoll Rand Inc. and any affiliate adopting the Plan, upon the date of employment |
|---|---|
| Excluded groups | Union employees participate only if permitted by their collective bargaining agreement |
| Automatic enrollment | Yes: default deferral 3% of pay; auto-escalation +1%/yr to 6% |
Eligibility, word for word
“The Plan is available to salaried, non-union hourly and union employees (if permitted by their collective bargaining agreement) of Ingersoll Rand Inc. and any affiliate adopting the Plan (collectively, the “Company”) upon the date of employment.”
Automatic enrollment, word for word
“The Plan provides for an automatic enrollment provision where eligible employees, upon meeting the eligibility requirements, are automatically enrolled in the Plan at a default salary contribution rate of 3%. The contribution rate shall be automatically increased as soon as administratively feasible in each subsequent year by 1% until a maximum contribution rate of 6% is reached. The employee may affirmatively elect a different percentage or elect not to make salary deferral contributions.”
Source: Form 11-K filed June 23, 2026, SEC EDGAR · SEC ↗
What else does Ingersoll Rand's 11-K report?
The Ingersoll Rand plan held $1.6B in net assets at the end of the plan year ended December 31, 2025.
| Net plan assets (end of plan year) | $1,588,235,394 |
|---|---|
| Trustee / recordkeeper | Fidelity Management Trust Company (trustee); assets held in the Gardner Denver, Inc. Master Trust |
| Plan auditor | RubinBrown LLP |
| Notable events | Seven plans merged into the Plan effective January 1, 2025 with assets transferred during 2025, including the ILC Dover 401(k) Savings and Investment Plan ($62,193,429), Air Systems, LLC Profit Sharing Plan ($5,737,541), Cullum and Brown, Inc. 401(K) Profit Sharing Plan and Trust ($6,818,035), Stamford Scientific International, Inc. 401(k) Profit Sharing Plan ($1,729,190), Air Power Systems Co., LLC 401(k) Profit Sharing Plan ($3,942,118), Excelsior Blower Systems 401(k) Plan ($2,772,189), and ASPS, LLC 401(k) Profit Sharing Plan ($2,091,396) |
Source: Form 11-K filed June 23, 2026, SEC EDGAR · SEC ↗
How does Ingersoll Rand's 401(k) match compare?
Ingersoll Rand Inc.'s maximum 401(k) match of 6% 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, five land near Ingersoll Rand's maximum match and one vests on the same schedule.
Maximum match 6% of pay, level with Ingersoll Rand.
Maximum match 6% of pay, level with Ingersoll Rand.
Maximum match 6% of pay, level with Ingersoll Rand.
Maximum match 6% of pay, level with Ingersoll Rand.
Maximum match 6% of pay, level with Ingersoll Rand.
Maximum match 4.5% of pay. Vests immediately too, like Ingersoll Rand.
What can you do next?
Check your own balance and contribution rate at Fidelity NetBenefits ↗, the recordkeeper this plan reports.
- Read the Form 11-K on SEC EDGAR ↗
Form 11-K filed June 23, 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 Ingersoll Rand Inc.'s 401(k) match?
Ingersoll Rand Inc. matches 100% of employee contributions up to 6% of eligible pay (plan year ended December 31, 2025).
When does the Ingersoll Rand Inc. 401(k) match vest?
Immediate: employer match is 100% vested when contributed.
Does Ingersoll Rand Inc.'s 401(k) plan have automatic enrollment?
Yes: default deferral 3% of pay; auto-escalation +1%/yr to 6%.
Cite: 401(k) Monitor, “Ingersoll Rand Inc. 401(k) plan facts”, from SEC Form 11-K accession 0001628280-26-044971, plan year ended 2025-12-31.