MOOG INC. 401(k): Empower, match 5% max
Moog Inc. Retirement Savings Plan · MOG-A · CIK 67887
Empower 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%
MOOG INC. matches 50% of the first 10% of pay.
From the Form 11-K filed March 20, 2026 ↗, covering the plan year ended September 30, 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 · what it used to be · 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 MOOG puts in, and what the plan costs
What MOOG put into the plan, per active participant
$6,644
MOOG INC. put $6,644 into this plan for each of its 7,635 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.
MOOG put in more per active participant than 69% of plans with 5,000+ participants in computers and electronics manufacturing. The middle plan in that group of 46 reported $4,837. Computers and electronics manufacturing comes from business code 334500, which MOOG 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 MOOG 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 September 30, 2025, EIN 160757636, plan 002 · DOL EFAST2 ↗
The $6,644 above is the Form 5500 figure for plan year 2024, and it counts every employer dollar on one line. MOOG INC. 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 MOOG puts in
$2,475
a year, at a $49,500 salary.
The match paragraph, word for word
“The Company's matching contributions in the RSP(+) are 50% of the first 10% of eligible pay that employees contribute.”
What you contribute to collect all of it
Contribute at least 10% of your pay to collect the full match.
That is $4,950 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 5% 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: 0%, 0%, 0%, 100%, 100%, 100%, 100%. The score is the average of those 7 readings.
Vesting, word for word
“For participants in the RSP and RSP(+) hired prior to January 1, 2020, participant contributions and Company Match are fully and immediately vested in the participant accounts. For participants in the RSP(+) hired on or after January 1, 2020, participant contributions are fully and immediately vested in the participants account and the Company Match is fully vested after three years of credited service, which is defined as 1,000 hours of service in a plan year.”
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
82nd percentile
$97.94 per participant in plan-paid administrative cost, more expensive than 82% of plans with 5,000+ participants.
What is MOOG's 401(k) match formula?
MOOG's 401(k) employer match tops out at 5% of pay. One rate up to one limit is the commonest of the four shapes a match formula takes.
| Match formula | 50% of the first 10% of pay |
|---|---|
| Maximum employer match | 5% of compensation |
| Conditions | As of September 30, 2025, all domestic employees of the Company are eligible to participate in the Plan immediately upon hire. Employees hired after January 1, 2019 are automatically enrolled in the RSP(+). Employees hired prior to January 1, 2019 were given a choice to remain in their current plan, the RSP, or participate in the RSP(+). |
| Current formula effective | January 1, 2019 |
| Other employer contribution | Employees hired on or after January 1, 2008 are not eligible to participate in the Company's defined benefit pension plan. Instead, the Company makes contributions ("Retirement Contributions") for those employees based on a percentage of the employee's eligible compensation and age. The Retirement Contributions are in addition to the Company match on voluntary employee contributions ("the Company Match"). Employees hired before January 1, 2008 elected either to remain in the defined benefit pension plan and continue to accrue benefits or elected to stop accruing future benefits in the defined benefit pension plan as of April 1, 2008. Employees who elected to stop accruing future benefits receive the Retirement Contributions in the Plan. |
| Other employer contribution | The Plan also provides that the Company may make discretionary contributions. For the plan years ended September 30, 2025 and 2024, the Company did not elect to make any discretionary contributions. |
At a $90,000 salary, contributing 10% ($9,000) earns the full employer match of $4,500 for the year.
What the filing says, word for word
“The Company's matching contributions in the RSP(+) are 50% of the first 10% of eligible pay that employees contribute.”
Source: Form 11-K filed March 20, 2026, SEC EDGAR, corroborated by the filing's inline-XBRL facts · SEC ↗
What did MOOG's 401(k) match used to be?
MOOG changed its 401(k) match on January 1, 2019. The formula in force now is 50% of the first 10% of pay.
| Since January 1, 2019 | 50% of the first 10% of pay |
|---|---|
| Before | The Company's matching contribution in the RSP is 25% of the first 2% of eligible pay that employees contribute. |
What is MOOG's 401(k) vesting schedule?
MOOG 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 | 1,000 hours of service in a plan year |
| Other employer contributions | For both the RSP and RSP(+), the Retirement Contributions vest 100% after three years of credited service. |
Vesting, word for word
“For participants in the RSP and RSP(+) hired prior to January 1, 2020, participant contributions and Company Match are fully and immediately vested in the participant accounts. For participants in the RSP(+) hired on or after January 1, 2020, participant contributions are fully and immediately vested in the participants account and the Company Match is fully vested after three years of credited service, which is defined as 1,000 hours of service in a plan year.”
Source: Form 11-K filed March 20, 2026, SEC EDGAR · SEC ↗
Who can join MOOG's 401(k), and is enrollment automatic?
MOOG enrolls new hires automatically at 3% of pay, rising 1% a year to 15% of pay.
| Plan entry | As of September 30, 2025, all domestic employees of the Company are eligible to participate in the Plan immediately upon hire. |
|---|---|
| Automatic enrollment | Yes: default deferral 3% of pay; auto-escalation +1%/yr to 15% |
Eligibility, word for word
“As of September 30, 2025, all domestic employees of the Company are eligible to participate in the Plan immediately upon hire.”
Automatic enrollment, word for word
“All employees are automatically enrolled in the Plan at a deferral of 3% of eligible employee compensation to the Plan, unless the employee elects not to make such a contribution to the Plan. Employees are also automatically enrolled in 1% annual increases up to a total deferral of 15%, unless the employee makes an affirmative election to contribute at a different rate or opt out of the automatic enrollment.”
Source: Form 11-K filed March 20, 2026, SEC EDGAR · SEC ↗
Who holds your account
Schedule C of the Form 5500 filed for plan year 2024 reports Empower, filed as “EMPOWER ANNUITY INSURANCE COMPANY”. 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.
7,876 plans on file name Empower as their recordkeeper. Of those, the 7,813 with a computable fee have a median plan-paid cost of $165.72 per participant.
Participants log in at Empower ↗. 401(k) Monitor is not affiliated with Empower or with any other recordkeeper, and takes nothing for this link. It is here because that is where the account is.
| Recordkeeper | Empower |
|---|---|
| Recordkeeper EIN | 840467907 |
What does the MOOG plan report on Form 5500?
The MOOG plan reported $1.9B in assets and 10,242 participants for plan year 2024.
| Total plan assets | $1,923,275,678 |
|---|---|
| Participants | 10,242 |
| Plan-paid admin cost per participant | $97.94 |
How that cost compares
This plan pays $97.94 per participant. The median across plans in computers and electronics manufacturing is $136.67, from the 597 of 644 whose Form 5500 yields a per-participant cost.
Moog Inc. Retirement Savings Plan on its Form 5500 filing: fees, providers and financials
How does MOOG's 401(k) match compare?
MOOG INC.'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 computers and electronics manufacturing, two report the same recordkeeper and one vests on the same schedule.
Maximum match 5% of pay. Also in computers and electronics manufacturing.
Maximum match 6% of pay. Also in computers and electronics manufacturing.
Maximum match 4% of pay. Also in computers and electronics manufacturing.
Maximum match 5% of pay. Same recordkeeper, Empower.
Maximum match 5% of pay. Same recordkeeper, Empower.
Maximum match 3% of pay. Same 3-year cliff as MOOG.
What can you do next?
- Read the Form 11-K on SEC EDGAR ↗
Form 11-K filed March 20, 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 MOOG INC.'s 401(k) match?
Moog Inc. matches 50% of employee contributions up to 10% of eligible pay (plan year ended September 30, 2025).
When does the MOOG INC. 401(k) match vest?
Cliff: 100% vested after 3 years of service.
Does MOOG INC.'s 401(k) plan have automatic enrollment?
Yes: default deferral 3% of pay; auto-escalation +1%/yr to 15%.
Who is the recordkeeper for MOOG INC.'s 401(k)?
Empower is named as the recordkeeper on the Form 5500 filed for Moog Inc. Retirement Savings 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.
Did MOOG INC. change its 401(k) match?
Yes. The Company's matching contribution in the RSP is 25% of the first 2% of eligible pay that employees contribute. The current terms took effect January 1, 2019.
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 MOOG INC. filed with the US Securities and Exchange Commission for the plan year ended September 30, 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 | MOOG INC. |
| SEC CIK | 67887 |
| Accession number | 0001628280-26-020050 |
| Plan | Moog Inc. Retirement Savings Plan |
| Period of report | September 30, 2025 |
| Filed | March 20, 2026 |
401(k) Monitor is not affiliated with MOOG INC., 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, “MOOG INC. 401(k) plan facts”, from SEC Form 11-K accession 0001628280-26-020050, plan year ended September 30, 2025.
