PPG Industries 401(k) match: 6% of pay
PPG Industries Employee Savings Plan · PPG · CIK 79879
Employer match stated in the filing, as a share of pay
6%
PPG Industries discloses only part of its 401(k) match terms: it matches 100% (dollar-for-dollar) of the first 6% of pay.
PPG Industries filed two Form 11-K reports for plan year 2025, of which one has been read. The other report has not, so this page cannot say what the plan it covers pays.
From the Form 11-K filed June 22, 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 PPG Industries puts in, and what the plan costs
What PPG Industries put into the plan, per active participant
$8,433
PPG Industries put $8,433 into this plan for each of its 11,668 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.
PPG Industries put in more per active participant than 53% of plans with 5,000+ participants in pharmaceuticals and chemicals. The middle plan in that group of 63 reported $8,101. Pharmaceuticals and chemicals comes from business code 325500, which PPG Industries 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.
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 PPG Industries 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 250730780, plan 384 · DOL EFAST2 ↗
The $8,433 above is the Form 5500 figure for plan year 2024, and it counts every employer dollar on one line. PPG Industries also files a Form 11-K, which states the match formula for plan year 2025: the card below reads $2,970 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 PPG Industries puts in
$2,970
a year, at a $49,500 salary.
The filing discloses only part of the formula. The most it states the employer adds is 6% of pay, for a worker contributing 6% of pay.
The match paragraph, word for word
“For most participants not covered by a collective bargaining agreement which provides otherwise, the Company will match the participant contribution, up to the first 6% of the participant's eligible compensation. Each contribution will be multiplied by the Company match rate in effect to determine the amount of the Company matching contribution. The Company match rate is established each year at the discretion of the Company. The Company matching contribution rate was 100% during 2025 and 2024.”
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 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: 100%, 100%, 100%, 100%, 100%, 100%, 100%. The score is the average of those 7 readings.
Vesting, word for word
“All participant contributions and Company matching contributions and their related earnings vest immediately. The Employer Additional Contributions generally vest over a three-year service period.”
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
94th percentile
$143.19 per participant in plan-paid administrative cost, more expensive than 94% of plans with 5,000+ participants.
What is PPG Industries' 401(k) match formula?
PPG Industries discloses only part of its 401(k) match terms: it matches 100% (dollar-for-dollar) of the first 6% 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 6% of pay |
|---|---|
| Maximum employer match | 6% of compensation |
| Rate actually paid this plan yearAs reported in the filing. | The Company match rate is set each year at the discretion of the Company; the matching contribution rate was 100% during 2025 and 2024, applied to the first 6% of eligible compensation |
| Conditions | Catch-up contributions are not eligible for the Company match; for participants covered by a collective bargaining agreement, the level of Company matching contributions, if any, is determined by the relevant collective bargaining agreement |
| Other employer contribution | Employer Additional Contributions of between 2% and 5% of the eligible participant's eligible Plan compensation, with the percentage based on a combination of the participant's age and years of service ($34 million in 2025) |
What the filing says, word for word
“For most participants not covered by a collective bargaining agreement which provides otherwise, the Company will match the participant contribution, up to the first 6% of the participant's eligible compensation. Each contribution will be multiplied by the Company match rate in effect to determine the amount of the Company matching contribution. The Company match rate is established each year at the discretion of the Company. The Company matching contribution rate was 100% during 2025 and 2024.”
Source: Form 11-K filed June 22, 2026, SEC EDGAR, corroborated by the filing's inline-XBRL facts · SEC ↗
What is PPG Industries' 401(k) vesting schedule?
PPG Industries 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 | The Employer Additional Contributions generally vest over a three-year service period |
Vesting, word for word
“All participant contributions and Company matching contributions and their related earnings vest immediately. The Employer Additional Contributions generally vest over a three-year service period.”
Source: Form 11-K filed June 22, 2026, SEC EDGAR · SEC ↗
Who can join PPG Industries' 401(k), and is enrollment automatic?
PPG Industries enrolls new hires automatically at 4% of pay.
| Plan entry | Most U.S. salaried and hourly employees of PPG and its wholly owned subsidiaries not covered by a collective bargaining agreement, and hourly employees whose collective bargaining agreement provides for participation; an eligible employee may become a participant as soon as administratively possible after enrollment |
|---|---|
| Excluded groups | Employees covered by a collective bargaining agreement that does not provide for participation in the Plan |
| Automatic enrollment | Yes: default deferral 4% of pay |
Eligibility, word for word
“The Plan is available to most U.S. salaried and hourly employees of PPG and its wholly owned subsidiaries who are not covered by a collective bargaining agreement and hourly employees whose employment is covered by a collective bargaining agreement where the collective bargaining agreement provides for participation. An eligible employee may become a participant in the Plan as soon as administratively possible after enrollment.”
Automatic enrollment, word for word
“Eligible employees are automatically enrolled in the Plan, unless they elect to not participate, with before-tax contributions equal to 4% of eligible earnings. If the participant does not select an investment option, these before-tax contributions are invested in the Plan’s default investment option.”
Source: Form 11-K filed June 22, 2026, SEC EDGAR · SEC ↗
What does the PPG Industries plan report on Form 5500?
The PPG Industries plan reported $4.3B in assets and 24,217 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 | Ppg Industries, Inc. Employee Savings Plan |
|---|---|
| Total plan assets | $4,285,542,612 |
| Participants | 24,217 |
| Recordkeeper | Fidelity Investments |
| Plan-paid admin cost per participant | $143.19 |
How that cost compares
This plan pays $143.19 per participant. The median across plans in pharmaceuticals and chemicals is $128.47, from the 870 of 942 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.
Ppg Industries, Inc. Employee Savings Plan on its Form 5500 filing: fees, providers and financials
How does PPG Industries' 401(k) match compare?
PPG Industries' maximum 401(k) match of 6% 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 pharmaceuticals and chemicals, two report the same recordkeeper and one vests on the same schedule.
Maximum match 6% of pay. Also in pharmaceuticals and chemicals.
Maximum match 6% of pay. Also in pharmaceuticals and chemicals.
Maximum match 6% of pay. Also in pharmaceuticals and chemicals.
Maximum match 6% of pay. Same recordkeeper, Fidelity Investments.
Maximum match 6% of pay. Same recordkeeper, Fidelity Investments.
Maximum match 8% of pay. Vests immediately too, like PPG Industries.
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 June 22, 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 PPG Industries' 401(k) match?
PPG Industries discloses only part of its match terms in the 11-K for the plan year ended December 31, 2025; it matches 100% of employee contributions up to 6% of eligible pay.
When does the PPG Industries 401(k) match vest?
Immediate: employer match is 100% vested when contributed.
Does PPG Industries' 401(k) plan have automatic enrollment?
Yes: default deferral 4% of pay.
Cite: 401(k) Monitor, “PPG Industries 401(k) plan facts”, from SEC Form 11-K accession 0000079879-26-000220, plan year ended 2025-12-31.