INTERNATIONAL FLAVORS & FRAGRANCES INC 401(k) match: 6% max
International Flavors & Fragrances Inc. Retirement Investment Fund Plan · IFF · CIK 51253
Maximum employer match, as a share of pay
6%
INTERNATIONAL FLAVORS & FRAGRANCES INC matches 100% (dollar-for-dollar) of the first 6% of pay.
From the Form 11-K filed June 29, 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 INTERNATIONAL FLAVORS & FRAGRANCES puts in, and what the plan costs
What INTERNATIONAL FLAVORS & FRAGRANCES put into the plan, per active participant
$5,814
INTERNATIONAL FLAVORS & FRAGRANCES INC put $5,814 into this plan for each of its 5,363 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.
INTERNATIONAL FLAVORS & FRAGRANCES put in less per active participant than 69% of plans with 5,000+ participants in pharmaceuticals and chemicals. The middle plan in that group of 63 reported $8,101. Pharmaceuticals and chemicals comes from business code 325900, which INTERNATIONAL FLAVORS & FRAGRANCES 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 INTERNATIONAL FLAVORS & FRAGRANCES 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 131432060, plan 001 · DOL EFAST2 ↗
The $5,814 above is the Form 5500 figure for plan year 2024, and it counts every employer dollar on one line. INTERNATIONAL FLAVORS & FRAGRANCES INC also files a Form 11-K, which states the match formula for plan year 2025: the card below reads $2,970 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 INTERNATIONAL FLAVORS & FRAGRANCES puts in
$2,970
a year, at a $49,500 salary.
The match paragraph, word for word
“The Company matches 100% of the first 6% of the eligible participant’s base compensation contributed.”
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
57.14 out of 100
How fast the employer’s money becomes yours. Higher than 4% 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%, 0%, 100%, 100%, 100%, 100%. The score is the average of those 7 readings.
Vesting, word for word
“All participants vest immediately in their contributions to the Plan plus earnings thereon. Participants vest in the Company’s matching contribution after three 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
90th percentile
$122.79 per participant in plan-paid administrative cost, more expensive than 90% of plans with 5,000+ participants.
What is INTERNATIONAL FLAVORS & FRAGRANCES' 401(k) match formula?
INTERNATIONAL FLAVORS & FRAGRANCES' 401(k) employer match tops out at 6% of pay. One rate up to one limit is the commonest of the four shapes a match formula takes.
| Match formula | 100% (dollar-for-dollar) of the first 6% of pay |
|---|---|
| Maximum employer match | 6% of compensation |
At a $60,000 salary, contributing 6% ($3,600) earns the full employer match of $3,600 for the year.
What the filing says, word for word
“The Company matches 100% of the first 6% of the eligible participant’s base compensation contributed.”
Source: Form 11-K filed June 29, 2026, SEC EDGAR, corroborated by the filing's inline-XBRL facts · SEC ↗
What is INTERNATIONAL FLAVORS & FRAGRANCES' 401(k) vesting schedule?
INTERNATIONAL FLAVORS & FRAGRANCES vests the employer match on a cliff schedule: nothing is yours until three years of service, then 100% at once. Leave a day early and the employer money goes back to the plan, the edge a three-year cliff creates.
| Employer match vesting | Cliff: 100% vested after 3 years of service |
|---|---|
| Your own contributions | Immediate: always 100% yours |
| Year of service | three years of continuous credited service |
| Accelerated vesting | 100% vested upon Plan termination (in participants' accounts, distributed upon retirement, death, disability or termination of employment) |
Vesting, word for word
“All participants vest immediately in their contributions to the Plan plus earnings thereon. Participants vest in the Company’s matching contribution after three years of continuous credited service.”
Source: Form 11-K filed June 29, 2026, SEC EDGAR · SEC ↗
Who can join INTERNATIONAL FLAVORS & FRAGRANCES' 401(k), and is enrollment automatic?
INTERNATIONAL FLAVORS & FRAGRANCES enrolls new hires automatically at 3% of pay, rising 1% a year to 9% of pay.
| Plan entry | The Plan is a defined contribution plan covering all U.S. based employees of International Flavors & Fragrances Inc. (“IFF”) and its domestic subsidiaries (the “Company”), with the exception of the unionized employees located in Jacksonville, Florida (the “Union Plan”), non-resident-alien employees and leased employees regardless of age and years of service. |
|---|---|
| Excluded groups | unionized employees located in Jacksonville, Florida (the “Union Plan”), non-resident-alien employees and leased employees |
| Automatic enrollment | Yes: default deferral 3% of pay; 60-day opt-out window; auto-escalation +1%/yr to 9% |
Eligibility, word for word
“The Plan is a defined contribution plan covering all U.S. based employees of International Flavors & Fragrances Inc. (“IFF”) and its domestic subsidiaries (the “Company”), with the exception of the unionized employees located in Jacksonville, Florida (the “Union Plan”), non-resident-alien employees and leased employees regardless of age and years of service.”
Automatic enrollment, word for word
“Beginning January 1, 2023, all eligible new hires are automatically enrolled at 3% after sixty days unless an affirmative election is made. Participants who are automatically enrolled also receive an automatic escalation of their contribution by 1% annually, each April 1st, not to exceed 9%, unless the participant elects otherwise.”
Source: Form 11-K filed June 29, 2026, SEC EDGAR · SEC ↗
What does the INTERNATIONAL FLAVORS & FRAGRANCES plan report on Form 5500?
The INTERNATIONAL FLAVORS & FRAGRANCES plan reported $979.7M in assets and 6,955 participants for plan year 2024.
| Total plan assets | $979,731,253 |
|---|---|
| Participants | 6,955 |
| Recordkeeper | Fidelity Investments |
| Plan-paid admin cost per participant | $122.79 |
How that cost compares
This plan pays $122.79 per participant. The median across plans in pharmaceuticals and chemicals is $128.47, from the 870 of 942 whose Form 5500 yields a per-participant cost.
The plan reports Fidelity Investments as its recordkeeper, one of 10,593 plans it runs in the data we publish. Of those, the 10,022 with a computable fee have a median plan-paid cost of $97.71 per participant.
How does INTERNATIONAL FLAVORS & FRAGRANCES' 401(k) match compare?
INTERNATIONAL FLAVORS & FRAGRANCES 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, three file in pharmaceuticals and chemicals, two report the same recordkeeper and one vests on the same schedule.
Maximum match 6% of pay. Also in pharmaceuticals and chemicals.
Maximum match 6% of pay. Also in pharmaceuticals and chemicals.
Maximum match 6% of pay. Also in pharmaceuticals and chemicals.
Maximum match 6% of pay. Same recordkeeper, Fidelity Investments.
Maximum match 6% of pay. Same recordkeeper, Fidelity Investments.
Maximum match 4% of pay. Same 3-year cliff as INTERNATIONAL FLAVORS & FRAGRANCES.
Compare INTERNATIONAL FLAVORS & FRAGRANCES INC with any company, side by side
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 29, 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 INTERNATIONAL FLAVORS & FRAGRANCES INC's 401(k) match?
International Flavors & Fragrances Inc. matches 100% of employee contributions up to 6% of eligible pay (plan year ended December 31, 2025).
When does the INTERNATIONAL FLAVORS & FRAGRANCES INC 401(k) match vest?
Cliff: 100% vested after 3 years of service.
Does INTERNATIONAL FLAVORS & FRAGRANCES INC's 401(k) plan have automatic enrollment?
Yes: default deferral 3% of pay; 60-day opt-out window; auto-escalation +1%/yr to 9%.
Cite: 401(k) Monitor, “INTERNATIONAL FLAVORS & FRAGRANCES INC 401(k) plan facts”, from SEC Form 11-K accession 0000051253-26-000023, plan year ended 2025-12-31.