LOUISIANA-PACIFIC CORP 401(k): T. Rowe Price, match 5% max
Louisiana-Pacific 401(k) and Profit Sharing Plan · LPX · CIK 60519
T. Rowe Price is the recordkeeper named on the Form 5500 filed for this plan, the company that keeps the account records. Where to log in, and what the filing says.
Maximum employer match, as a share of pay
5%
LOUISIANA-PACIFIC CORP matches 100% (dollar-for-dollar) of the first 4% of pay, then 50% of the next 2% of pay, for a maximum employer match of 5% of pay.
From the Form 11-K filed June 26, 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 · who holds your account · what the plan reports to the DOL · how it compares · what to do next
What LOUISIANA-PACIFIC puts in, and what the plan costs
What LOUISIANA-PACIFIC put into the plan, per active participant
$6,858
LOUISIANA-PACIFIC CORP put $6,858 into this plan for each of its 2,803 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.
LOUISIANA-PACIFIC put in more per active participant than 93% of plans with 1,000–4,999 participants in industrial and materials manufacturing. The middle plan in that group of 766 reported $2,514. Industrial and materials manufacturing comes from business code 321210, which LOUISIANA-PACIFIC 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 LOUISIANA-PACIFIC 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 930609074, plan 040 · DOL EFAST2 ↗
The $6,858 above is the Form 5500 figure for plan year 2024, and it counts every employer dollar on one line. LOUISIANA-PACIFIC CORP also files a Form 11-K, which states the match formula for plan year 2025: the card below reads $2,475 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 LOUISIANA-PACIFIC puts in
$2,475
a year, at a $49,500 salary.
The match paragraph, word for word
“LP matches contributions at 100% of the first 4% and 50% of the next 2% of eligible compensation deferred. LP can also make a discretionary profit sharing contribution. During the year ended December 31, 2025 and 2024, discretionary profit-sharing contributions were $6.2 million and $7.3 million, respectively. Participants may direct the investment of their contributions and the employer contributions into various investment options offered by the Plan. Participants must be employed on the last day of the Plan year to receive profit-sharing contributions.”
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 369 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 - Participants are immediately 100% vested in their own contributions and in employer matching contributions. A participant shall become fully vested in profit sharing contributions to the Plan upon the first of the following events to occur while employed by LP: •Completion of three years of service •Death •Attainment of age 65 •Involuntary termination due to job elimination”
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
89th percentile
$174.60 per participant in plan-paid administrative cost, more expensive than 89% of plans with 1,000–4,999 participants.
What is LOUISIANA-PACIFIC's 401(k) match formula?
LOUISIANA-PACIFIC's 401(k) employer match tops out at 5% 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 4% of pay |
|---|---|
| then | 50% of the next 2% of pay |
| Maximum employer match | 5% of compensation |
| Conditions | The maximum match is 5% of eligible compensation (100% of the first 4% plus 50% of the next 2%) |
| Other employer contribution | Discretionary profit sharing contribution ($6.2 million for 2025), requiring employment on the last day of the Plan year |
At a $90,000 salary, contributing 6% ($5,400) earns the full employer match of $4,500 for the year.
What the filing says, word for word
“LP matches contributions at 100% of the first 4% and 50% of the next 2% of eligible compensation deferred. LP can also make a discretionary profit sharing contribution. During the year ended December 31, 2025 and 2024, discretionary profit-sharing contributions were $6.2 million and $7.3 million, respectively. Participants may direct the investment of their contributions and the employer contributions into various investment options offered by the Plan. Participants must be employed on the last day of the Plan year to receive profit-sharing contributions.”
Source: Form 11-K filed June 26, 2026, SEC EDGAR, corroborated by the filing's inline-XBRL facts · SEC ↗
What is LOUISIANA-PACIFIC's 401(k) vesting schedule?
LOUISIANA-PACIFIC 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 | Profit sharing contributions become fully vested upon the first of the following while employed by LP: completion of three years of service, death, attainment of age 65, or involuntary termination due to job elimination |
Vesting, word for word
“Vesting - Participants are immediately 100% vested in their own contributions and in employer matching contributions. A participant shall become fully vested in profit sharing contributions to the Plan upon the first of the following events to occur while employed by LP: •Completion of three years of service •Death •Attainment of age 65 •Involuntary termination due to job elimination”
Source: Form 11-K filed June 26, 2026, SEC EDGAR · SEC ↗
Who can join LOUISIANA-PACIFIC's 401(k), and is enrollment automatic?
LOUISIANA-PACIFIC enrolls new hires automatically at 6% of pay.
| Plan entry | All U.S. salaried and hourly employees of Louisiana-Pacific Corporation may become participants immediately upon hire |
|---|---|
| Excluded groups | Members of a collective bargaining unit, certain temporary or leased employees, and nonresident aliens who receive no U.S. source income |
| Automatic enrollment | Yes: default deferral 6% of pay; default investment: Age-appropriate target fund until changed by the participant |
Eligibility, word for word
“General - The Plan was initially adopted in 2000 and amended and restated effective August 1, 2024. The Plan is a defined contribution plan covering all U.S. salaried and hourly employees of Louisiana-Pacific Corporation (the “Company” or “LP”), except those members of a collective bargaining unit, certain temporary or leased employees, and nonresident aliens who receive no U.S. source income. The Plan is designed to comply with applicable provisions of the Internal Revenue Code (the “IRC”) and the Employee Retirement Income Security Act of 1974 ("ERISA") as amended. Any employee noted above may become a participant immediately upon hire. The Plan is administered by an administrative committee (the “Plan Administrator”) comprised of a minimum of three members appointed by LP.”
Automatic enrollment, word for word
“The Plan includes an auto-enrollment provision whereby all newly eligible employees are automatically enrolled in the Plan unless they affirmatively elect not to participate in the Plan or elect a different percentage for their contribution. Automatically enrolled participants have their deferral rate set at 6% of eligible compensation and their contributions invested in an age-appropriate target fund until changed by the participant.”
Source: Form 11-K filed June 26, 2026, SEC EDGAR · SEC ↗
Who holds your account
Schedule C of the Form 5500 filed for plan year 2024 reports T. Rowe Price, filed as “T ROWE PRICE RPS INC”. That is the company paid to keep the account records: what is in an account, what went into it, and usually the site a participant signs in to. The trustee that holds the plan’s assets can be a different company, and this filing does not name it.
801 plans on file name T. Rowe Price as their recordkeeper. Of those, the 800 with a computable fee have a median plan-paid cost of $86.70 per participant.
Participants log in at T. Rowe Price Workplace ↗. 401(k) Monitor is not affiliated with T. Rowe Price or with any other recordkeeper, and takes nothing for this link. It is here because that is where the account is.
| Recordkeeper | T. Rowe Price |
|---|---|
| Recordkeeper address | 1307 Point Street, Baltimore, MD 21231 |
What does the LOUISIANA-PACIFIC plan report on Form 5500?
The LOUISIANA-PACIFIC plan reported $560.7M in assets and 3,992 participants for plan year 2024.
| Total plan assets | $560,706,157 |
|---|---|
| Participants | 3,992 |
| Plan-paid admin cost per participant | $174.60 |
How that cost compares
This plan pays $174.60 per participant. The median across plans in industrial and materials manufacturing is $142.19, from the 5,709 of 6,008 whose Form 5500 yields a per-participant cost.
Read from the Form 5500 filing of Louisiana-Pacific 401(k) And Profit Sharing Plan, which has no page of its own here.
How does LOUISIANA-PACIFIC's 401(k) match compare?
LOUISIANA-PACIFIC CORP's maximum 401(k) match of 5% of pay compares with a median of 4% across the 269 companies in our data with a computable formula.
Employers worth reading next
Of the six employers below, three file in industrial and materials manufacturing, two report the same recordkeeper and one vests on the same schedule.
Maximum match 4.5% of pay. Also in industrial and materials manufacturing.
Maximum match 5% of pay. Also in industrial and materials manufacturing.
Maximum match 4.5% of pay. Also in industrial and materials manufacturing.
Maximum match 4.2% of pay. Same recordkeeper, T. Rowe Price.
Maximum match 5% of pay. Same recordkeeper, T. Rowe Price.
Employer match vests immediately. Vests immediately too, like LOUISIANA-PACIFIC.
Compare LOUISIANA-PACIFIC CORP with any company, side by side
What can you do next?
- Read the Form 11-K on SEC EDGAR ↗
Form 11-K filed June 26, 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.
Questions this filing answers
What is LOUISIANA-PACIFIC CORP's 401(k) match?
Louisiana-Pacific Corporation matches 100% (dollar-for-dollar) of the first 4% of pay, then 50% of the next 2% of pay, for a maximum employer match of 5% of compensation (plan year ended December 31, 2025).
When does the LOUISIANA-PACIFIC CORP 401(k) match vest?
Immediate: employer match is 100% vested when contributed.
Does LOUISIANA-PACIFIC CORP's 401(k) plan have automatic enrollment?
Yes: default deferral 6% of pay; default investment: Age-appropriate target fund until changed by the participant.
Who is the recordkeeper for LOUISIANA-PACIFIC CORP's 401(k)?
T. Rowe Price is named as the recordkeeper on the Form 5500 filed for Louisiana-Pacific 401(k) And Profit Sharing Plan for plan year 2024. That is the company paid to keep the account records: what is in an account, what went into it, and usually the site a participant signs in to.
Source
The match formula, the vesting schedule and the enrollment rules on this page were read from one document: the Form 11-K annual report that LOUISIANA-PACIFIC CORP filed with the US Securities and Exchange Commission for the plan year ended December 31, 2025. Each of those fields carries the filing sentence it was read from, expandable where the field appears. Nothing on this page was supplied by the employer to this site.
The plan assets, the participant counts, the plan-paid fees and the recordkeeper come from a different document, the plan’s DOL Form 5500 annual return, and the section that reports them links it. Comparisons with other employers are computed across the filings named in the section they appear in.
Read the filing on SEC EDGAR ↗
| Document | Form 11-K annual report |
|---|---|
| Filed with | US Securities and Exchange Commission (EDGAR) |
| Filed by | LOUISIANA-PACIFIC CORP |
| SEC CIK | 60519 |
| Accession number | 0000060519-26-000028 |
| Plan | Louisiana-Pacific 401(k) and Profit Sharing Plan |
| Period of report | December 31, 2025 |
| Filed | June 26, 2026 |
401(k) Monitor is not affiliated with LOUISIANA-PACIFIC CORP, with the Securities and Exchange Commission or with this plan’s recordkeeper, and publishes this page without their involvement. It republishes a public filing and says where it came from.
Cite this page
401(k) Monitor, “LOUISIANA-PACIFIC CORP 401(k) plan facts”, from SEC Form 11-K accession 0000060519-26-000028, plan year ended December 31, 2025.
