Quest Diagnostics Incorporated 401(k) match: 5% max
The Quest Diagnostics Profit Sharing Plan · DGX · CIK 1022079
Maximum employer match, as a share of pay
5%
Quest Diagnostics Incorporated 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 · what the plan reports to the DOL · how it compares · what to do next
What Quest Diagnostics puts in, and what the plan costs
What Quest Diagnostics put into the plan, per active participant
$2,072
Quest Diagnostics Incorporated put $2,072 into this plan for each of its 48,596 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. This filing covers many unrelated employers under one plan, so the figure is an average across all of them rather than one employer's behaviour.
It is kept out of every peer group.
What this figure cannot separate: how much Quest Diagnostics 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 382084239, plan 333 · DOL EFAST2 ↗
The $2,072 above is the Form 5500 figure for plan year 2024, and it counts every employer dollar on one line. Quest Diagnostics Incorporated 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 Quest Diagnostics puts in
$2,475
a year, at a $49,500 salary.
The match paragraph, word for word
“Employer Matching Contributions - Members of the Quest Control Group match 100% of a participant's contribution, up to 5% of eligible compensation, in cash after the participant completes 12 months of service, as defined, with the Quest Control Group. Employer matching contributions are remitted to the Plan at the same time that the corresponding participants' contributions are remitted.”
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
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
“Vesting - Participants immediately vest in their voluntary contributions and employer matching contributions plus actual earnings thereon. Certain participants who were active in plans sponsored by previous employers have vesting requirements applied to their previous employer contribution accounts consistent with the vesting requirements in effect before the assets were merged into the Plan.”
A worker hired today collects no match for 1 year. This is a filed term, and it does not move the score above.
Eligibility, word for word
“Eligible employees can participate in the Plan as soon as administratively feasible upon becoming an employee of a member of the Quest Control Group.”
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
31st percentile
$37.07 per participant in plan-paid administrative cost, cheaper than 69% of plans with 5,000+ participants.
What is Quest Diagnostics' 401(k) match formula?
Quest Diagnostics' 401(k) employer match tops out at 5% 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 | 100% (dollar-for-dollar) of the first 5% of pay |
|---|---|
| Maximum employer match | 5% of compensation |
| Deposited | Each payroll |
| Paid in company stock | No, paid in cash or per your investment elections |
| Conditions | Match begins after the participant completes 12 months of service with the Quest Control Group; matching contributions are remitted to the Plan at the same time as the corresponding participant contributions |
At a $90,000 salary, contributing 5% ($4,500) earns the full employer match of $4,500 for the year.
What the filing says, word for word
“Employer Matching Contributions - Members of the Quest Control Group match 100% of a participant's contribution, up to 5% of eligible compensation, in cash after the participant completes 12 months of service, as defined, with the Quest Control Group. Employer matching contributions are remitted to the Plan at the same time that the corresponding participants' contributions are remitted.”
Source: Form 11-K filed June 18, 2026, SEC EDGAR, corroborated by the filing's inline-XBRL facts · SEC ↗
What is Quest Diagnostics' 401(k) vesting schedule?
Quest Diagnostics 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 |
| Accelerated vesting | Participants become fully vested in their rights under the Plan if it is terminated or if employer matching contributions are completely discontinued |
| Other employer contributions | Certain participants who were active in plans sponsored by previous employers have vesting requirements applied to their previous employer contribution accounts consistent with the vesting requirements in effect before the assets were merged into the Plan |
Vesting, word for word
“Vesting - Participants immediately vest in their voluntary contributions and employer matching contributions plus actual earnings thereon. Certain participants who were active in plans sponsored by previous employers have vesting requirements applied to their previous employer contribution accounts consistent with the vesting requirements in effect before the assets were merged into the Plan.”
Source: Form 11-K filed June 18, 2026, SEC EDGAR · SEC ↗
Who can join Quest Diagnostics' 401(k), and is enrollment automatic?
Quest Diagnostics' filing does not mention automatic enrollment, which is not the same as the plan having none.
| Plan entry | Eligible employees can participate as soon as administratively feasible upon becoming an employee of a member of the Quest Control Group |
|---|---|
| Match eligibility | Match begins after the participant completes 12 months of service, as defined, with the Quest Control Group |
| Automatic enrollment | Not mentioned in the filing (not proof of absence) |
Eligibility, word for word
“Eligible employees can participate in the Plan as soon as administratively feasible upon becoming an employee of a member of the Quest Control Group.”
Source: Form 11-K filed June 18, 2026, SEC EDGAR · SEC ↗
What does the Quest Diagnostics plan report on Form 5500?
The Quest Diagnostics plan reported $5.6B in assets and 61,319 participants for plan year 2024.
| Total plan assets | $5,555,146,000 |
|---|---|
| Participants | 61,319 |
| Recordkeeper | Fidelity Investments |
| Plan-paid admin cost per participant | $37.07 |
How that cost compares
This plan pays $37.07 per participant. The median across plans in healthcare is $95.79, from the 6,621 of 6,908 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.
The Quest Diagnostics Profit Sharing Plan on its Form 5500 filing: fees, providers and financials
How does Quest Diagnostics' 401(k) match compare?
Quest Diagnostics Incorporated's maximum 401(k) match of 5% 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, one files in healthcare, two report the same recordkeeper, two land near Quest Diagnostics' maximum match and one vests on the same schedule.
Maximum match 3% of pay. Also in healthcare.
Maximum match 5% of pay. Same recordkeeper, Fidelity Investments.
Maximum match 5% of pay. Same recordkeeper, Fidelity Investments.
Maximum match 5% of pay, level with Quest Diagnostics.
Maximum match 5% of pay, level with Quest Diagnostics.
Maximum match 6% of pay. Vests immediately too, like Quest Diagnostics.
Compare Quest Diagnostics Incorporated with any company, side by side
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 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.
- Download this data (CSV)
Formula, vesting and source references for this company, one file.
Questions this filing answers
What is Quest Diagnostics Incorporated's 401(k) match?
Quest Diagnostics Incorporated matches 100% of employee contributions up to 5% of eligible pay (plan year ended December 31, 2025).
When does the Quest Diagnostics Incorporated 401(k) match vest?
Immediate: employer match is 100% vested when contributed.
Does Quest Diagnostics Incorporated's 401(k) plan have automatic enrollment?
Not mentioned in the filing (not proof of absence).
Cite: 401(k) Monitor, “Quest Diagnostics Incorporated 401(k) plan facts”, from SEC Form 11-K accession 0001022079-26-000058, plan year ended 2025-12-31.