O'Reilly Automotive, Inc. 401(k): Fidelity, match 3% max
O'Reilly Automotive, Inc. Profit Sharing and Savings Plan · ORLY · CIK 898173
Fidelity Investments 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.
Matched to this employer by sponsor name, not by an identifier stated in the filing.
Maximum employer match, as a share of pay
3%
O'Reilly Automotive, Inc. matches 100% (dollar-for-dollar) of the first 2% of pay, then 25% of the next 4% of pay, for a maximum employer match of 3% 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 O'Reilly Automotive puts in, and what the plan costs
What O'Reilly Automotive put into the plan, per active participant
$646
O'Reilly Automotive, Inc. put $646 into this plan for each of its 80,513 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.
O'Reilly Automotive put in less per active participant than 80% of plans with 5,000+ participants. The middle plan in that group of 2,268 reported $2,556.
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 O'Reilly Automotive 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 274358837, plan 002 · DOL EFAST2 ↗
The $646 above is the Form 5500 figure for plan year 2024, and it counts every employer dollar on one line. O'Reilly Automotive, Inc. also files a Form 11-K, which states the match formula for plan year 2025: the card below reads $1,485 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 O'Reilly Automotive puts in
$1,485
a year, at a $49,500 salary.
The match paragraph, word for word
“The Plan provides for a Company match of 100% of the first 2% of each participant's voluntary contribution and 25% of the next 4% of each participant's voluntary contribution, funded in conjunction with the employee contribution. Additionally, the Company may make discretionary profit-sharing contributions to the Plan annually, as determined by its Board of Directors, up to a maximum aggregate Company contribution of 25% of the participants' annual eligible compensation. Participants are eligible for these discretionary contributions after at least 1,000 hours of service in a 12-consecutive month period of employment and generally must be employed on the last day of the Plan year. During the years ended December 31, 2025 and 2024, the Company did not make any discretionary contributions to the Plan.”
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 out of 100
How fast the employer’s money becomes yours. Higher than 4% 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%, 33%, 66%, 100%, 100%, 100%. The score is the average of those 7 readings.
Vesting, word for word
“Participants are immediately vested in all voluntary contributions and actual earnings on these contributions. Employer contributions, and earnings on employer contributions, vest based on years of service with the Company at a rate of 33% per year from years two through four and are 100% vested after four years of service. In addition, upon a participant's death or disability, as defined in the Plan document, all employer contributions, and earnings on employer contributions, become 100% vested.”
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
30th percentile
$35.91 per participant in plan-paid administrative cost, cheaper than 71% of plans with 5,000+ participants.
What is O'Reilly Automotive's 401(k) match formula?
O'Reilly Automotive's 401(k) employer match tops out at 3% 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 | 25% of the next 4% of pay |
| Maximum employer match | 3% of compensation |
| Conditions | Match is funded in conjunction with the employee contribution |
| Other employer contribution | Discretionary annual profit-sharing contributions as determined by the Board of Directors, up to a maximum aggregate Company contribution of 25% of participants' annual eligible compensation; participants become eligible after at least 1,000 hours of service in a 12-consecutive month period and generally must be employed on the last day of the Plan year. No discretionary contributions were made for 2025 or 2024 |
At a $60,000 salary, contributing 6% ($3,600) earns the full employer match of $1,800 for the year.
What the filing says, word for word
“The Plan provides for a Company match of 100% of the first 2% of each participant's voluntary contribution and 25% of the next 4% of each participant's voluntary contribution, funded in conjunction with the employee contribution. Additionally, the Company may make discretionary profit-sharing contributions to the Plan annually, as determined by its Board of Directors, up to a maximum aggregate Company contribution of 25% of the participants' annual eligible compensation. Participants are eligible for these discretionary contributions after at least 1,000 hours of service in a 12-consecutive month period of employment and generally must be employed on the last day of the Plan year. During the years ended December 31, 2025 and 2024, the Company did not make any discretionary contributions to the Plan.”
Source: Form 11-K filed June 26, 2026, SEC EDGAR, corroborated by the filing's inline-XBRL facts · SEC ↗
What is O'Reilly Automotive's 401(k) vesting schedule?
O'Reilly Automotive vests the employer match on a graded schedule: 33% after two years, rising to 100% after four. Each step is money that leaves with you that year, which is how a graded schedule differs from a cliff.
| Employer match vesting | Graded: 33% at 2 yr, 66% at 3 yr, 100% at 4 yr |
|---|---|
| Your own contributions | Immediate: always 100% yours |
| Year of service | Years of service with the Company; vesting accrues at 33% per year from years two through four |
| Accelerated vesting | Upon a participant's death or disability, all employer contributions and earnings become 100% vested; participants also become 100% vested upon Plan termination |
| Other employer contributions | Employer contributions (including discretionary profit-sharing contributions) and earnings thereon vest on the same schedule: 33% per year from years two through four, 100% after four years of service |
Vesting, word for word
“Participants are immediately vested in all voluntary contributions and actual earnings on these contributions. Employer contributions, and earnings on employer contributions, vest based on years of service with the Company at a rate of 33% per year from years two through four and are 100% vested after four years of service. In addition, upon a participant's death or disability, as defined in the Plan document, all employer contributions, and earnings on employer contributions, become 100% vested.”
Source: Form 11-K filed June 26, 2026, SEC EDGAR · SEC ↗
Who can join O'Reilly Automotive's 401(k), and is enrollment automatic?
O'Reilly Automotive enrolls new hires automatically at 2% of pay.
| Plan entry | Substantially all U.S. employees of the Company who have attained age 21 |
|---|---|
| Automatic enrollment | Yes: default deferral 2% of pay |
Eligibility, word for word
“The Plan is a defined contribution pension plan providing retirement benefits to substantially all U.S. employees of the Company who have attained age 21.”
Automatic enrollment, word for word
“Eligible team members are automatically enrolled in the Plan at a contribution rate of 2% of their annual eligible compensation. Eligible team members may choose not to participate by declaring their intentions to do so prior to their initial enrollment date.”
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 Fidelity Investments, filed as “FIDELITY INVESTMENTS INSTITUTIONAL”. 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.
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.
10,593 plans on file name Fidelity Investments as their recordkeeper. Of those, the 10,022 with a computable fee have a median plan-paid cost of $97.71 per participant.
Participants log in at Fidelity NetBenefits ↗. 401(k) Monitor is not affiliated with Fidelity Investments or with any other recordkeeper, and takes nothing for this link. It is here because that is where the account is.
| Recordkeeper | Fidelity Investments |
|---|---|
| Recordkeeper EIN | 042647786 |
What does the O'Reilly Automotive plan report on Form 5500?
The O'Reilly Automotive plan reported $1.9B in assets and 87,528 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 | O'Reilly Automotive, Inc. Profit Sharing And Savings Plan |
|---|---|
| Total plan assets | $1,865,599,841 |
| Participants | 87,528 |
| Plan-paid admin cost per participant | $35.91 |
How that cost compares
This plan pays $35.91 per participant. The median across plans at auto dealers is $146.54, from the 1,478 of 1,543 whose Form 5500 yields a per-participant cost.
How does O'Reilly Automotive's 401(k) match compare?
O'Reilly Automotive, Inc.'s maximum 401(k) match of 3% 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, two report the same recordkeeper, three land near O'Reilly Automotive's maximum match and one vests on the same schedule.
Maximum match 3% of pay. Same recordkeeper, Fidelity Investments.
Maximum match 3% of pay. Same recordkeeper, Fidelity Investments.
Maximum match 3% of pay, level with O'Reilly Automotive.
Maximum match 3% of pay, level with O'Reilly Automotive.
Maximum match 3% of pay, level with O'Reilly Automotive.
Maximum match 3% of pay. Also fully vested after 4 years, like O'Reilly Automotive.
Compare O'Reilly Automotive, Inc. 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 O'Reilly Automotive, Inc.'s 401(k) match?
O'Reilly Automotive, Inc. matches 100% (dollar-for-dollar) of the first 2% of pay, then 25% of the next 4% of pay, for a maximum employer match of 3% of compensation (plan year ended December 31, 2025).
When does the O'Reilly Automotive, Inc. 401(k) match vest?
Graded: 33% at 2 yr, 66% at 3 yr, 100% at 4 yr.
Does O'Reilly Automotive, Inc.'s 401(k) plan have automatic enrollment?
Yes: default deferral 2% of pay.
Who is the recordkeeper for O'Reilly Automotive, Inc.'s 401(k)?
Fidelity Investments is named as the recordkeeper on the Form 5500 filed for O'Reilly Automotive, Inc. Profit Sharing And 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. 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.
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 O'Reilly Automotive, Inc. 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 | O'Reilly Automotive, Inc. |
| SEC CIK | 898173 |
| Accession number | 0000898173-26-000035 |
| Plan | O'Reilly Automotive, Inc. Profit Sharing and Savings Plan |
| Period of report | December 31, 2025 |
| Filed | June 26, 2026 |
401(k) Monitor is not affiliated with O'Reilly Automotive, 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, “O'Reilly Automotive, Inc. 401(k) plan facts”, from SEC Form 11-K accession 0000898173-26-000035, plan year ended December 31, 2025.
