The Kraft Heinz Company 401(k) match: 4% max
Kraft Heinz Savings Plan · KHC · CIK 1637459
Maximum employer match, as a share of pay
4%
The Kraft Heinz Company matches 100% (dollar-for-dollar) of the first 2% of pay, then 50% of the next 4% of pay, for a maximum employer match of 4% of pay.
Kraft Heinz 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 22, 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 Kraft Heinz puts in, and what the plan costs
What Kraft Heinz put into the plan, per active participant
$5,762
The Kraft Heinz Company put $5,762 into this plan for each of its 13,247 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.
Kraft Heinz put in more per active participant than 82% of plans with 5,000+ participants in food, beverage and tobacco manufacturing. The middle plan in that group of 72 reported $2,804. Food, beverage and tobacco comes from business code 311400, which Kraft Heinz 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 Kraft Heinz 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 250542520, plan 009 · DOL EFAST2 ↗
The $5,762 above is the Form 5500 figure for plan year 2024, and it counts every employer dollar on one line. The Kraft Heinz Company 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 Kraft Heinz puts in
$1,980
a year, at a $49,500 salary.
The match paragraph, word for word
“Kraft Heinz contributes one dollar for every dollar of employee contribution to the Plan up to 2% of eligible pay, plus 50 cents for every dollar of employee contribution that is between 2% and 6% of eligible pay, for a maximum matching contribution of 4% of eligible pay each year (“Kraft Heinz Matching Contributions”). Beginning January 1st 2024, as part of the SECURE 2.0 Act, a Company match of up to 4% of eligible pay each year is made on qualified employee student loan payments. In no way will a participant’s Matching Contributions for a Plan Year exceed 4% of eligible pay.”
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
71.43 out of 100
How fast the employer’s money becomes yours. Higher than 32% 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%, 100%, 100%, 100%, 100%, 100%. The score is the average of those 7 readings.
Vesting, word for word
“The portion of a participant’s account that includes Participant Contributions, rollover contributions, dividends paid on investments in the Stock Fund, and related earnings is fully vested at all times. Kraft Heinz Matching Contributions and Kraft Heinz Non-Elective Contributions made during or after 2016 vest after two years of service. However, regardless of a participant’s years of service, the Kraft Heinz Matching Contribution and Kraft Heinz Non-Elective Contribution accounts will vest immediately if the participant reaches age 65 while employed by Kraft Heinz, or if the participant terminates employment with Kraft Heinz after the beginning of the year in which he or she reaches age 55, due to disability or death, or due to an applicable Company-designated job elimination, plant shutdown or closing of a unit, permanent layoff in connection with a reduction in force, or sale or other disposition of all or a portion of a business or product line to a purchaser, transferee, or acquirer.”
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
43rd percentile
$47.99 per participant in plan-paid administrative cost, cheaper than 57% of plans with 5,000+ participants.
What is Kraft Heinz's 401(k) match formula?
Kraft Heinz's 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 4% of pay |
| Maximum employer match | 4% of compensation |
| Paid in company stock | No, paid in cash or per your investment elections |
| Conditions | Beginning January 1, 2024, under the SECURE 2.0 Act, a Company match of up to 4% of eligible pay is also made on qualified employee student loan payments; total matching contributions for a Plan Year cannot exceed 4% of eligible pay |
| Other employer contribution | Kraft Heinz Non-Elective Contribution equal to 3% of eligible pay each year, requiring employment on the last day of the calendar year (with exceptions for age 55 with five years of service, disability, death, or designated job elimination, plant shutdown, layoff, or divestiture) |
At a $90,000 salary, contributing 6% ($5,400) earns the full employer match of $3,600 for the year.
What the filing says, word for word
“Kraft Heinz contributes one dollar for every dollar of employee contribution to the Plan up to 2% of eligible pay, plus 50 cents for every dollar of employee contribution that is between 2% and 6% of eligible pay, for a maximum matching contribution of 4% of eligible pay each year (“Kraft Heinz Matching Contributions”). Beginning January 1st 2024, as part of the SECURE 2.0 Act, a Company match of up to 4% of eligible pay each year is made on qualified employee student loan payments. In no way will a participant’s Matching Contributions for a Plan Year exceed 4% of eligible pay.”
Source: Form 11-K filed June 22, 2026, SEC EDGAR, corroborated by the filing's inline-XBRL facts · SEC ↗
What is Kraft Heinz's 401(k) vesting schedule?
Kraft Heinz 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 | Immediate: always 100% yours |
| Accelerated vesting | Immediate vesting if the participant reaches age 65 while employed, terminates employment after the beginning of the year in which he or she reaches age 55, due to disability or death, or due to a Company-designated job elimination, plant shutdown, permanent layoff, or sale of a business or product line |
| Other employer contributions | Kraft Heinz Non-Elective Contributions made during or after 2016 vest after two years of service, with the same acceleration triggers as matching contributions |
Vesting, word for word
“The portion of a participant’s account that includes Participant Contributions, rollover contributions, dividends paid on investments in the Stock Fund, and related earnings is fully vested at all times. Kraft Heinz Matching Contributions and Kraft Heinz Non-Elective Contributions made during or after 2016 vest after two years of service. However, regardless of a participant’s years of service, the Kraft Heinz Matching Contribution and Kraft Heinz Non-Elective Contribution accounts will vest immediately if the participant reaches age 65 while employed by Kraft Heinz, or if the participant terminates employment with Kraft Heinz after the beginning of the year in which he or she reaches age 55, due to disability or death, or due to an applicable Company-designated job elimination, plant shutdown or closing of a unit, permanent layoff in connection with a reduction in force, or sale or other disposition of all or a portion of a business or product line to a purchaser, transferee, or acquirer.”
Source: Form 11-K filed June 22, 2026, SEC EDGAR · SEC ↗
Who can join Kraft Heinz's 401(k), and is enrollment automatic?
Kraft Heinz enrolls new hires automatically at 6% of pay, rising 1% a year to 10% of pay.
| Plan entry | Regular full-time employees are eligible beginning on their employment commencement date, subject to any probationary period for the specific work unit; other employees after completion of 1,000 hours of service |
|---|---|
| Excluded groups | Employees not employed by KHFC or an adopting affiliate, and employees covered by a collective bargaining agreement |
| Automatic enrollment | Yes: default deferral 6% of pay; auto-escalation +1%/yr to 10%; default investment: BlackRock LifePath Index Funds G that corresponds with the year the participant will reach age 65 |
Eligibility, word for word
“Regular full-time employees are eligible to participate in the Plan beginning on their employment commencement date, subject to any probationary period for the specific work unit. Other employees are eligible to participate after the completion of 1,000 hours of service. Employees are not eligible to participate in the Plan unless they are employed by KHFC or an affiliate that has adopted the Plan and are not covered by a collective bargaining agreement.”
Automatic enrollment, word for word
“The Plan includes a qualified automatic contribution arrangement, pursuant to which all eligible employees are enrolled automatically with a 6% tax-deferred contribution rate unless the employee elects otherwise. These contributions are invested in the Plan’s default investment option unless the employee makes a different investment election. The default investment option is a BlackRock LifePath Index Funds G that corresponds with the year the participant will reach age 65. Starting the first year after a participant is automatically enrolled in the Plan, the participant’s tax-deferred contribution rate is automatically increased by 1% annually, up to a maximum of 10%.”
Source: Form 11-K filed June 22, 2026, SEC EDGAR · SEC ↗
What does the Kraft Heinz plan report on Form 5500?
The Kraft Heinz plan reported $3.6B in assets and 24,941 participants for plan year 2024.
| Total plan assets | $3,645,381,031 |
|---|---|
| Participants | 24,941 |
| Recordkeeper | Fidelity Investments |
| Plan-paid admin cost per participant | $47.99 |
How that cost compares
This plan pays $47.99 per participant. The median across plans in food, beverage and tobacco manufacturing is $108.05, from the 1,292 of 1,356 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.
Kraft Heinz Savings Plan on its Form 5500 filing: fees, providers and financials
How does Kraft Heinz's 401(k) match compare?
The Kraft Heinz Company'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 food, beverage and tobacco manufacturing, two report the same recordkeeper and one vests on the same schedule.
Maximum match 4% of pay. Also in food, beverage and tobacco manufacturing.
Maximum match 4% of pay. Also in food, beverage and tobacco manufacturing.
Maximum match 4% of pay. Also in food, beverage and tobacco manufacturing.
Maximum match 4% of pay. Same recordkeeper, Fidelity Investments.
Maximum match 4% of pay. Same recordkeeper, Fidelity Investments.
Maximum match 3.75% of pay. Same 2-year cliff as Kraft Heinz.
Compare The Kraft Heinz Company 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 22, 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 The Kraft Heinz Company's 401(k) match?
The Kraft Heinz Company matches 100% (dollar-for-dollar) of the first 2% of pay, then 50% of the next 4% of pay, for a maximum employer match of 4% of compensation (plan year ended December 31, 2025).
When does the The Kraft Heinz Company 401(k) match vest?
Cliff: 100% vested after 2 years of service.
Does The Kraft Heinz Company's 401(k) plan have automatic enrollment?
Yes: default deferral 6% of pay; auto-escalation +1%/yr to 10%; default investment: BlackRock LifePath Index Funds G that corresponds with the year the participant will reach age 65.
Cite: 401(k) Monitor, “The Kraft Heinz Company 401(k) plan facts”, from SEC Form 11-K accession 0001637459-26-000039, plan year ended 2025-12-31.