Oracle Corporation 401(k) match: 3% max
Oracle Corporation 401(k) Savings and Investment Plan · ORCL · CIK 1341439
Maximum employer match, as a share of pay
3%
Oracle Corporation matches 50% of the first 6% of pay.
From the Form 11-K filed April 24, 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 Oracle puts in, and what the plan costs
What Oracle put into the plan, per active participant
$3,425
Oracle Corporation put $3,425 into this plan for each of its 58,808 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.
Oracle put in less per active participant than 64% of plans with 5,000+ participants in software and IT services. The middle plan in that group of 62 reported $4,620. Software and IT services comes from business code 541512, which Oracle 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 Oracle 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 542185193, plan 001 · DOL EFAST2 ↗
The $3,425 above is the Form 5500 figure for plan year 2024, and it counts every employer dollar on one line. Oracle Corporation 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. 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 Oracle puts in
$1,485
a year, at a $49,500 salary.
The match paragraph, word for word
“Oracle matches 50% of an active participant’s salary deferrals up to a maximum deferral of 6% of compensation for the pay period, with maximum aggregate matching of $5,100 in any calendar year. Oracle has the right, under the Plan, to discontinue or modify its matching contributions at any time. Participants may also contribute amounts representing distributions from other qualified plans. All of Oracle’s matching contributions are made in cash on a pre-tax basis.”
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
64.29 out of 100
How fast the employer’s money becomes yours. Higher than 30% 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%, 25%, 50%, 75%, 100%, 100%, 100%. The score is the average of those 7 readings.
Vesting, word for word
“All elective contributions made by participants and earnings on those contributions are 100% vested at all times. Participants’ vesting in Oracle’s matching contributions is based on years of service. Participants are 25% vested after one year of service and vest an additional 25% on each successive service anniversary date, becoming 100% vested after four years of service.”
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
84th percentile
$103.59 per participant in plan-paid administrative cost, more expensive than 84% of plans with 5,000+ participants.
What is Oracle's 401(k) match formula?
Oracle's 401(k) employer match tops out at 3% of pay. The match is deposited each payroll. One rate up to one limit is the commonest of the four shapes a match formula takes.
| Match formula | 50% of the first 6% of pay |
|---|---|
| Maximum employer match | 3% of compensation |
| Deposited | Each payroll |
| Paid in company stock | No, paid in cash or per your investment elections |
| Conditions | Maximum aggregate matching of $5,100 in any calendar year; Oracle has the right, under the Plan, to discontinue or modify its matching contributions at any time |
At a $90,000 salary, contributing 6% ($5,400) earns the full employer match of $2,700 for the year.
What the filing says, word for word
“Oracle matches 50% of an active participant’s salary deferrals up to a maximum deferral of 6% of compensation for the pay period, with maximum aggregate matching of $5,100 in any calendar year. Oracle has the right, under the Plan, to discontinue or modify its matching contributions at any time. Participants may also contribute amounts representing distributions from other qualified plans. All of Oracle’s matching contributions are made in cash on a pre-tax basis.”
Source: Form 11-K filed April 24, 2026, SEC EDGAR, corroborated by the filing's inline-XBRL facts · SEC ↗
What is Oracle's 401(k) vesting schedule?
Oracle vests the employer match on a graded schedule: 25% after one year, 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: 25% at 1 yr, 50% at 2 yr, 75% at 3 yr, 100% at 4 yr |
|---|---|
| Your own contributions | Immediate: always 100% yours |
Vesting, word for word
“All elective contributions made by participants and earnings on those contributions are 100% vested at all times. Participants’ vesting in Oracle’s matching contributions is based on years of service. Participants are 25% vested after one year of service and vest an additional 25% on each successive service anniversary date, becoming 100% vested after four years of service.”
Source: Form 11-K filed April 24, 2026, SEC EDGAR · SEC ↗
Who can join Oracle's 401(k), and is enrollment automatic?
Oracle's filing does not mention automatic enrollment, which is not the same as the plan having none.
| Plan entry | All employees on the domestic payroll of Oracle and its adopting subsidiaries are eligible as of the first date, or any succeeding entry date, following the date the employee is credited with one hour of service |
|---|---|
| Excluded groups | Employees whose compensation and conditions of employment are subject to collective bargaining; non-resident aliens with no U.S. earned income from Oracle; workers performing services at an Oracle facility as employees of a third-party entity that is not an employment agency; employees of employment agencies; persons not classified as employees for tax purposes |
| Automatic enrollment | Not mentioned in the filing (not proof of absence) |
Eligibility, word for word
“As of December 31, 2025, all employees on the domestic payroll of Oracle and its subsidiaries that have adopted the Plan are eligible to participate in the Plan as of the first date, or any succeeding entry date following the date the employee is credited with one hour of service with Oracle. However, the following employees or classes of employees are not eligible to participate: (i) employees whose compensation and conditions of employment are subject to determination by collective bargaining; (ii) employees who are non-resident aliens and who received no earned income (within the meaning of the Code) from Oracle; (iii) workers who are performing services at an Oracle facility as an employee of a third-party entity that is not an employment agency; (iv) employees of employment agencies; and (v) persons who are not classified as employees for tax purposes.”
Source: Form 11-K filed April 24, 2026, SEC EDGAR · SEC ↗
What does the Oracle plan report on Form 5500?
The Oracle plan reported $31.0B in assets and 103,417 participants for plan year 2024.
| Total plan assets | $31,026,465,040 |
|---|---|
| Participants | 103,417 |
| Recordkeeper | Fidelity Investments |
| Plan-paid admin cost per participant | $103.59 |
How that cost compares
This plan pays $103.59 per participant. The median across plans in software and IT services is $125.69, from the 2,819 of 2,956 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.
How does Oracle's 401(k) match compare?
Oracle Corporation's maximum 401(k) match of 3% 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 software and IT services, two report the same recordkeeper and one vests on the same schedule.
Maximum match 4% of pay. Also in software and IT services.
Maximum match 4% of pay. Also in software and IT services.
No employer match in the filing. Also in software and IT services.
Maximum match 3% of pay. Same recordkeeper, Fidelity Investments.
Maximum match 3% of pay. Same recordkeeper, Fidelity Investments.
Maximum match 3% of pay. Also fully vested after 4 years, like Oracle.
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 April 24, 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 Oracle Corporation's 401(k) match?
Oracle Corporation matches 50% of employee contributions up to 6% of eligible pay (plan year ended December 31, 2025).
When does the Oracle Corporation 401(k) match vest?
Graded: 25% at 1 yr, 50% at 2 yr, 75% at 3 yr, 100% at 4 yr.
Does Oracle Corporation's 401(k) plan have automatic enrollment?
Not mentioned in the filing (not proof of absence).
Cite: 401(k) Monitor, “Oracle Corporation 401(k) plan facts”, from SEC Form 11-K accession 0001193125-26-177242, plan year ended 2025-12-31.