Pentair plc 401(k): Fidelity, match 5% max
Pentair, Inc. Retirement Savings and Stock Incentive Plan · PNR · CIK 77360
Fidelity Investments is the recordkeeper named on the Form 5500 filed for Pentair Inc. Retirement Savings And Stock, 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%
Pentair plc matches 100% (dollar-for-dollar) of the first 5% of pay.
From the Form 11-K filed June 18, 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 Pentair puts in, and what the plan costs
What Pentair put into the plan, per active participant
$4,251
Pentair plc put $4,251 into this plan for each of its 4,636 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.
Pentair put in more per active participant than 54% of plans with 5,000+ participants at holding companies. The middle plan in that group of 62 reported $4,209. Holding companies comes from business code 551112, which Pentair 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 Pentair 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 410907434, plan 002 · DOL EFAST2 ↗
The $4,251 above is the Form 5500 figure for plan year 2024, and it counts every employer dollar on one line. Pentair plc 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. 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 Pentair puts in
$2,475
a year, at a $49,500 salary.
The match paragraph, word for word
“Employee contributions for most participants are matched at the rate of 100% of the first 5% of eligible compensation that is contributed to the Plan by a participant and are made in the form of cash.”
What you contribute to collect all of it
Contribute at least 5% of your pay to collect the full match.
That is $2,475 a year at a $49,500 salary, and it scales with your own.
Vesting score
85.71 out of 100
How fast the employer’s money becomes yours. Higher than 47% 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%, 100%, 100%, 100%, 100%, 100%, 100%. The score is the average of those 7 readings.
Vesting, word for word
“All pre-tax elective deferral, after-tax and Roth contributions are immediately 100% vested. The Company’s matching contributions for participants generally are 100% vested after 12 months 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
60th percentile
$65.79 per participant in plan-paid administrative cost, more expensive than 60% of plans with 5,000+ participants.
What is Pentair's 401(k) match formula?
Pentair'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 | 100% (dollar-for-dollar) of the first 5% of pay |
|---|---|
| Maximum employer match | 5% of compensation |
| Paid in company stock | No, paid in cash or per your investment elections |
At a $45,000 salary, contributing 5% ($2,250) earns the full employer match of $2,250 for the year.
What the filing says, word for word
“Employee contributions for most participants are matched at the rate of 100% of the first 5% of eligible compensation that is contributed to the Plan by a participant and are made in the form of cash.”
Source: Form 11-K filed June 18, 2026, SEC EDGAR, corroborated by the filing's inline-XBRL facts · SEC ↗
What is Pentair's 401(k) vesting schedule?
Pentair vests the employer match on a cliff schedule: nothing is yours until one year of service, then 100% at once. Leave a day early and the employer money goes back to the plan, the edge a one-year cliff creates.
| Employer match vesting | Cliff: 100% vested after 1 years of service |
|---|---|
| Your own contributions | Immediate: always 100% yours |
| Year of service | 12 months of service |
Vesting, word for word
“All pre-tax elective deferral, after-tax and Roth contributions are immediately 100% vested. The Company’s matching contributions for participants generally are 100% vested after 12 months of service.”
Source: Form 11-K filed June 18, 2026, SEC EDGAR · SEC ↗
Who can join Pentair's 401(k), and is enrollment automatic?
Pentair enrolls new hires automatically at 5% of pay, rising 1% a year to 10% of pay.
| Plan entry | Participation for full- and part-time employees may commence effective with the date of hire, provided the employee is at least age 18. |
|---|---|
| Automatic enrollment | Yes: default deferral 5% of pay; auto-escalation +1%/yr to 10% |
Eligibility, word for word
“Participation for full- and part-time employees may commence effective with the date of hire, provided the employee is at least age 18.”
Automatic enrollment, word for word
“The Plan has an automatic enrollment feature for new employees at a deferral rate of 5% of eligible compensation with an automatic annual increase of 1% of eligible compensation per year until the participant reaches a deferral rate of 10%. Employees may opt-out of automatic enrollment and automatic annual increase at any time.”
Source: Form 11-K filed June 18, 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.
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 Pentair plan report on Form 5500?
The Pentair plan reported $909.7M in assets and 7,443 participants for plan year 2024.
| Total plan assets | $909,724,109 |
|---|---|
| Participants | 7,443 |
| Plan-paid admin cost per participant | $65.79 |
How that cost compares
This plan pays $65.79 per participant. The median across plans at holding companies is $106.24, from the 612 of 643 whose Form 5500 yields a per-participant cost.
Pentair Inc. Retirement Savings And Stock on its Form 5500 filing: fees, providers and financials
How does Pentair's 401(k) match compare?
Pentair plc'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 at holding companies, two report the same recordkeeper and one vests on the same schedule.
Maximum match 5% of pay. Also at holding companies.
Maximum match 6% of pay. Also at holding companies.
Maximum match 5% of pay. Also at holding companies.
Maximum match 5% of pay. Same recordkeeper, Fidelity Investments.
Maximum match 5% of pay. Same recordkeeper, Fidelity Investments.
Maximum match 4% of pay. Same 1-year cliff as Pentair.
What can you do next?
- Read the Form 11-K on SEC EDGAR ↗
Form 11-K filed June 18, 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 Pentair plc's 401(k) match?
Pentair plc matches 100% of employee contributions up to 5% of eligible pay (plan year ended December 31, 2025).
When does the Pentair plc 401(k) match vest?
Cliff: 100% vested after 1 years of service.
Does Pentair plc's 401(k) plan have automatic enrollment?
Yes: default deferral 5% of pay; auto-escalation +1%/yr to 10%.
Who is the recordkeeper for Pentair plc's 401(k)?
Fidelity Investments is named as the recordkeeper on the Form 5500 filed for Pentair Inc. Retirement Savings And Stock 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 Pentair plc 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 | Pentair plc |
| SEC CIK | 77360 |
| Accession number | 0000077360-26-000036 |
| Plan | Pentair, Inc. Retirement Savings and Stock Incentive Plan |
| Period of report | December 31, 2025 |
| Filed | June 18, 2026 |
401(k) Monitor is not affiliated with Pentair plc, 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, “Pentair plc 401(k) plan facts”, from SEC Form 11-K accession 0000077360-26-000036, plan year ended December 31, 2025.
