Prudential Financial 401(k) match: 4% max
The Prudential Employee Savings Plan · PRU · CIK 1137774
Maximum employer match, as a share of pay
4%
Prudential Financial matches 100% (dollar-for-dollar) of the first 4% of pay.
From the Form 11-K filed June 18, 2026 ↗, covering the plan year ended December 31, 2025. Why filings lag
On this page: the formula, word for word · when the money becomes yours · who can join · what else the 11-K reports · how it compares · what to do next
What Prudential Financial puts in, and what the plan costs
What Prudential Financial puts in
$1,980
a year, at a $49,500 salary.
The match paragraph, word for word
“Employer contributions: The Company matches 100% of before-tax and Roth 401(k) contributions up to a maximum of 4% of eligible earnings. In addition to matching contributions, the Company may, in its sole discretion, make discretionary contributions in a given plan year to eligible participants. Traditional after-tax and catch-up contributions are not matched.”
What you contribute to collect all of it
Contribute at least 4% of your pay to collect the full match.
That is $1,980 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
“Participants are vested immediately in their before-tax, Roth 401(k), after-tax, and rollover contributions plus earnings thereon. Generally, participants become 100% vested in employer matching contributions upon the completion of three years of vesting 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
Not reported
No Form 5500 record is joined to this employer, so there is no plan-paid cost to show.
What is Prudential Financial's 401(k) match formula?
Prudential Financial's 401(k) employer match tops out at 4% 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 4% of pay |
|---|---|
| Maximum employer match | 4% of compensation |
| Conditions | Only before-tax and Roth 401(k) contributions are matched; traditional after-tax and catch-up contributions are not matched |
| Other employer contribution | The Company may, in its sole discretion, make discretionary contributions in a given plan year to eligible participants |
At a $75,000 salary, contributing 4% ($3,000) earns the full employer match of $3,000 for the year.
What the filing says, word for word
“Employer contributions: The Company matches 100% of before-tax and Roth 401(k) contributions up to a maximum of 4% of eligible earnings. In addition to matching contributions, the Company may, in its sole discretion, make discretionary contributions in a given plan year to eligible participants. Traditional after-tax and catch-up contributions are not matched.”
Source: Form 11-K filed June 18, 2026, SEC EDGAR, corroborated by the filing's inline-XBRL facts · SEC ↗
What is Prudential Financial's 401(k) vesting schedule?
Prudential Financial 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 |
| Accelerated vesting | 100% vested upon reaching age 65, death, or becoming totally disabled while an employee; also 100% vested upon Plan termination |
Vesting, word for word
“Participants are vested immediately in their before-tax, Roth 401(k), after-tax, and rollover contributions plus earnings thereon. Generally, participants become 100% vested in employer matching contributions upon the completion of three years of vesting service.”
Source: Form 11-K filed June 18, 2026, SEC EDGAR · SEC ↗
Who can join Prudential Financial's 401(k), and is enrollment automatic?
Prudential Financial enrolls new hires automatically at 4% of pay.
| Plan entry | Generally all United States employees and statutory agents of The Prudential Insurance Company of America and its participating affiliates; each eligible employee may enroll at any time, starting on their first day of employment |
|---|---|
| Automatic enrollment | Yes: default deferral 4% of pay; default investment: A designated qualified default investment alternative fund; automatic contributions are characterized as Roth 401(k) |
Eligibility, word for word
“The Plan is a defined contribution plan generally covering all United States employees and statutory agents of The Prudential Insurance Company of America (the “Company”) and its participating affiliates. Each eligible employee may enroll in the Plan at any time, starting on their first day of employment.”
Automatic enrollment, word for word
“The Plan includes an auto-enrollment provision whereby all newly eligible employees are automatically enrolled in the Plan unless they affirmatively elect not to participate in the Plan. Automatically enrolled participants have their deferral rate set at 4% of eligible compensation, which is characterized as Roth 401(k) and invested in a designated qualified default investment alternative fund, until changed by the participant.”
Source: Form 11-K filed June 18, 2026, SEC EDGAR · SEC ↗
What else does Prudential Financial's 11-K report?
The Prudential Financial plan held $11.1B in net assets at the end of the plan year ended December 31, 2025.
| Net plan assets (end of plan year) | $11,113,991,305 |
|---|---|
| Plan auditor | Mitchell & Titus, LLP |
| Notable events | On January 1, 2026, account balances of 6,229 Financial Professionals and Financial Professional Associates totaling $744,433,196 were spun off to create The Prudential Savings Plan for Advisors. The PESP Fixed Rate Fund was closed to new contributions in December 2024 and is being liquidated in annual installments from January 2025 through January 2029. |
Source: Form 11-K filed June 18, 2026, SEC EDGAR · SEC ↗
How does Prudential Financial's 401(k) match compare?
Prudential Financial's maximum 401(k) match of 4% 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, five land near Prudential Financial's maximum match and one vests on the same schedule.
Maximum match 4% of pay, level with Prudential Financial.
Maximum match 4% of pay, level with Prudential Financial.
Maximum match 4% of pay, level with Prudential Financial.
Maximum match 4% of pay, level with Prudential Financial.
Maximum match 4% of pay, level with Prudential Financial.
Maximum match 2% of pay. Same 3-year cliff as Prudential Financial.
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 Prudential Financial's 401(k) match?
Prudential Financial matches 100% of employee contributions up to 4% of eligible pay (plan year ended December 31, 2025).
When does the Prudential Financial 401(k) match vest?
Cliff: 100% vested after 3 years of service.
Does Prudential Financial's 401(k) plan have automatic enrollment?
Yes: default deferral 4% of pay; default investment: A designated qualified default investment alternative fund; automatic contributions are characterized as Roth 401(k).
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 Prudential Financial 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 | Prudential Financial |
| SEC CIK | 1137774 |
| Accession number | 0001137774-26-000142 |
| Plan | The Prudential Employee Savings Plan |
| Period of report | December 31, 2025 |
| Filed | June 18, 2026 |
401(k) Monitor is not affiliated with Prudential Financial, 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, “Prudential Financial 401(k) plan facts”, from SEC Form 11-K accession 0001137774-26-000142, plan year ended December 31, 2025.
