Regions Financial 401(k) match: 5% max
Regions Financial Corporation 401(k) Plan · RF · CIK 1281761
Maximum employer match, as a share of pay
5%
Regions Financial matches 100% (dollar-for-dollar) of the first 5% of pay.
From the Form 11-K filed June 16, 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 Regions Financial puts in, and what the plan costs
What Regions Financial put into the plan, per active participant
$5,184
Regions Financial put $5,184 into this plan for each of its 20,137 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.
Regions Financial put in more per active participant than 57% of plans with 5,000+ participants at banks and lenders. The middle plan in that group of 66 reported $4,881. Banks and lenders comes from business code 522110, which Regions Financial 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 Regions Financial 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 630589368, plan 012 · DOL EFAST2 ↗
The $5,184 above is the Form 5500 figure for plan year 2024, and it counts every employer dollar on one line. Regions Financial 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, 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 Regions Financial puts in
$2,475
a year, at a $49,500 salary.
The match paragraph, word for word
“The Company matches dollar for dollar participants' pre-tax contributions and Roth after-tax contributions, up to 5 percent of total eligible compensation. The matching contribution can be increased to a greater percentage applicable to a Plan year at the discretion of the Board of Directors pursuant to a Plan amendment. One year of service is required to be eligible for the Company match.”
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
“Participants are immediately vested in their contributions, the Company contributions and any earnings thereon.”
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
“Employees are eligible to participate in the Plan the first day of the payroll period following completion of the enrollment process by the Company.”
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
45th percentile
$49.63 per participant in plan-paid administrative cost, cheaper than 55% of plans with 5,000+ participants.
What is Regions Financial's 401(k) match formula?
Regions Financial'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 |
| Conditions | One year of service is required to be eligible for the Company match; the matching contribution can be increased to a greater percentage applicable to a Plan year at the discretion of the Board of Directors pursuant to a Plan amendment |
| Other employer contribution | Additional employer contribution of 2 percent of eligible compensation for participants who have one year of service, are employed on the last business day of the Plan year, have 1,000 hours of service in the Plan year, and are not eligible to accrue benefits in the Company's qualified pension plans |
At a $60,000 salary, contributing 5% ($3,000) earns the full employer match of $3,000 for the year.
What the filing says, word for word
“The Company matches dollar for dollar participants' pre-tax contributions and Roth after-tax contributions, up to 5 percent of total eligible compensation. The matching contribution can be increased to a greater percentage applicable to a Plan year at the discretion of the Board of Directors pursuant to a Plan amendment. One year of service is required to be eligible for the Company match.”
Source: Form 11-K filed June 16, 2026, SEC EDGAR · SEC ↗
What is Regions Financial's 401(k) vesting schedule?
Regions Financial 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 | Participants are immediately vested in the Company contributions and any earnings thereon |
Vesting, word for word
“Participants are immediately vested in their contributions, the Company contributions and any earnings thereon.”
Source: Form 11-K filed June 16, 2026, SEC EDGAR · SEC ↗
Who can join Regions Financial's 401(k), and is enrollment automatic?
Regions Financial enrolls new hires automatically at 2% of pay, rising 1% a year to 10% of pay.
| Plan entry | Employees are eligible to participate the first day of the payroll period following completion of the enrollment process; all employees other than seasonal or leased employees are eligible |
|---|---|
| Match eligibility | One year of service is required to be eligible for the Company match |
| Excluded groups | Seasonal or leased employees |
| Automatic enrollment | Yes: default deferral 2% of pay; auto-escalation +1%/yr to 10% |
Eligibility, word for word
“Employees are eligible to participate in the Plan the first day of the payroll period following completion of the enrollment process by the Company.”
Automatic enrollment, word for word
“The Plan has an automatic deferral feature. Unless eligible employees opt out or elect to contribute a different percentage, default elective deferrals are made on behalf of employees on a pre-tax basis in an amount equal to 2 percent of eligible compensation. The Plan provides for an annual automatic escalation of deferral rate elections for certain participants. The deferral rate of participants whose deferral elections are between 2 percent and 9 percent of their eligible compensation is automatically escalated by 1 percent.”
Source: Form 11-K filed June 16, 2026, SEC EDGAR · SEC ↗
What does the Regions Financial plan report on Form 5500?
The Regions Financial plan reported $3.2B in assets and 31,228 participants for plan year 2024.
| Total plan assets | $3,197,489,981 |
|---|---|
| Participants | 31,228 |
| Recordkeeper | Empower |
| Plan-paid admin cost per participant | $49.63 |
How that cost compares
This plan pays $49.63 per participant. The median across plans at banks and lenders is $152.83, from the 2,143 of 2,264 whose Form 5500 yields a per-participant cost.
The plan reports Empower as its recordkeeper, one of 7,876 plans it runs in the data we publish. Of those, the 7,814 with a computable fee have a median plan-paid cost of $165.69 per participant.
Regions Financial Corporation 401(k) Plan on its Form 5500 filing: fees, providers and financials
How does Regions Financial's 401(k) match compare?
Regions Financial'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, three file at banks and lenders, two report the same recordkeeper and one vests on the same schedule.
Maximum match 5% of pay. Also at banks and lenders.
Maximum match 6% of pay. Also at banks and lenders.
Maximum match 5% of pay. Also at banks and lenders.
Maximum match 5% of pay. Same recordkeeper, Empower.
Maximum match 6% of pay. Same recordkeeper, Empower.
Maximum match 5% of pay. Vests immediately too, like Regions Financial.
What can you do next?
Check your own balance and contribution rate at Empower ↗, the recordkeeper this plan reports.
- Read the Form 11-K on SEC EDGAR ↗
Form 11-K filed June 16, 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 Regions Financial's 401(k) match?
Regions Financial matches 100% of employee contributions up to 5% of eligible pay (plan year ended December 31, 2025).
When does the Regions Financial 401(k) match vest?
Immediate: employer match is 100% vested when contributed.
Does Regions Financial's 401(k) plan have automatic enrollment?
Yes: default deferral 2% of pay; auto-escalation +1%/yr to 10%.
Cite: 401(k) Monitor, “Regions Financial 401(k) plan facts”, from SEC Form 11-K accession 0001281761-26-000047, plan year ended 2025-12-31.