Johnson Controls International plc 401(k) match: fully vested after 5 years
Johnson Controls Federal Systems, Inc. Retirement Savings Plan · JCI · CIK 833444
The 401(k) employer match
Not stated in this filing
Johnson Controls International plc's Form 11-K does not state a 401(k) match formula and defers to the plan document.
Johnson Controls 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 17, 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 Johnson Controls puts in, and what the plan costs
What Johnson Controls put into the plan, per active participant
$5,061
Johnson Controls International plc put $5,061 into this plan for each of its 34,487 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.
Johnson Controls put in more per active participant than 65% 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 336300, which Johnson Controls 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.
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 Johnson Controls 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 390380010, plan 026 · DOL EFAST2 ↗
What Johnson Controls puts in
Not stated in the filing
The filing does not disclose a match formula.
The Form 5500 for this plan reports what Johnson Controls actually paid in: the figure and its peer comparison are above. It is the whole employer side of the plan on one line, so it answers what went in rather than what the formula promises.
Two places state the terms in full: your plan’s Summary Plan Description, which your employer must provide on request, and your recordkeeper’s site, which for this plan is Fidelity NetBenefits ↗.
What you contribute to collect all of it
Not stated in the filing
The filing does not state the contribution rate that collects the full employer contribution.
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%, 20%, 40%, 60%, 80%, 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 (losses) thereon. A participant's interest in employer contributions plus actual earnings (losses) thereon vest at the rate of twenty percent (20%) per year for each year of employment with the Company or any affiliated company, fully vesting after five years of service. A participant becomes fully vested on termination of service due to death, disability or retirement.”
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
76th percentile
$86.96 per participant in plan-paid administrative cost, more expensive than 76% of plans with 5,000+ participants.
What is Johnson Controls' 401(k) match formula?
Johnson Controls' Form 11-K does not disclose a 401(k) match formula and defers to the plan document. How a match formula is built sets out the parts to look for in your own plan documents.
| Match formula | Not disclosed in this filing |
|---|
What the filing says, word for word
“The Company makes contributions to the Plan on behalf of the participants as determined by their benefit schedule.”
Source: Form 11-K filed June 17, 2026, SEC EDGAR · SEC ↗
What is Johnson Controls' 401(k) vesting schedule?
Johnson Controls vests the employer match on a graded schedule: 20% after one year, rising to 100% after five. Each step is money that leaves with you that year, which is how a graded schedule differs from a cliff.
| Employer match vesting | Graded: 20% at 1 yr, 40% at 2 yr, 60% at 3 yr, 80% at 4 yr, 100% at 5 yr |
|---|---|
| Your own contributions | Immediate: always 100% yours |
| Year of service | Each year of employment with the Company or any affiliated company |
| Accelerated vesting | A participant becomes fully vested on termination of service due to death, disability or retirement |
Vesting, word for word
“Participants are immediately vested in their contributions plus actual earnings (losses) thereon. A participant's interest in employer contributions plus actual earnings (losses) thereon vest at the rate of twenty percent (20%) per year for each year of employment with the Company or any affiliated company, fully vesting after five years of service. A participant becomes fully vested on termination of service due to death, disability or retirement.”
Source: Form 11-K filed June 17, 2026, SEC EDGAR · SEC ↗
Who can join Johnson Controls' 401(k), and is enrollment automatic?
Johnson Controls enrolls new hires automatically; the filing does not state the default deferral rate.
| Automatic enrollment | Yes: 60-day opt-out window; default investment: Target date fund based on the participant's birth date and the fund's target retirement date |
|---|
Automatic enrollment, word for word
“For certain participant groups, if the participant does not make an election to participate in the Plan within 60 days of becoming eligible, the participant will be automatically enrolled to make pre-tax contributions depending on their employment classification. If automatically enrolled, the participant's contributions will be invested in a target date fund based on their birth date and the fund's target retirement date.”
Source: Form 11-K filed June 17, 2026, SEC EDGAR · SEC ↗
What does the Johnson Controls plan report on Form 5500?
The Johnson Controls plan reported $7.2B in assets and 45,105 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 | Johnson Controls Retirement Savings And Investment Plan |
|---|---|
| Total plan assets | $7,188,548,319 |
| Participants | 45,105 |
| Recordkeeper | Fidelity Invest Inst Opr Co. |
| Plan-paid admin cost per participant | $86.96 |
How that cost compares
This plan pays $86.96 per participant. The median across plans in aerospace and vehicle manufacturing is $112.59, from the 899 of 934 whose Form 5500 yields a per-participant cost.
How does Johnson Controls' 401(k) match compare?
Johnson Controls International plc's filing does not state a maximum 401(k) match as a share of pay. Across the 181 companies in our data that do, the median is 4.5% of pay.
Employers worth reading next
Of the six employers below, three file in aerospace and vehicle manufacturing and three vest on the same schedule.
Employer match vests immediately. Also in aerospace and vehicle manufacturing.
No employer match in the filing. Also in aerospace and vehicle manufacturing.
Employer match vests immediately. Also in aerospace and vehicle manufacturing.
Match vests in steps, 100% after 5 years. Also fully vested after 5 years, like Johnson Controls.
Match vests in steps, 100% after 5 years. Also fully vested after 5 years, like Johnson Controls.
Maximum match 5% of pay. Also fully vested after 5 years, like Johnson Controls.
Compare Johnson Controls International plc 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 17, 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 Johnson Controls International plc's 401(k) match?
Johnson Controls International plc's 11-K for the plan year ended December 31, 2025 does not disclose a match formula; it defers to the plan document and prospectus. Johnson Controls International plc's Form 5500 for plan year 2024 reports $5,061 of employer money per active participant. 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. 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.
When does the Johnson Controls International plc 401(k) match vest?
Graded: 20% at 1 yr, 40% at 2 yr, 60% at 3 yr, 80% at 4 yr, 100% at 5 yr.
Does Johnson Controls International plc's 401(k) plan have automatic enrollment?
Yes: 60-day opt-out window; default investment: Target date fund based on the participant's birth date and the fund's target retirement date.
Cite: 401(k) Monitor, “Johnson Controls International plc 401(k) plan facts”, from SEC Form 11-K accession 0000833444-26-000077, plan year ended 2025-12-31.