Renasant Corp 401(k): Empower, match 4% max
Renasant Bank 401(k) Plan · RNST · CIK 715072
Empower is the recordkeeper named on the Form 5500 filed for this plan, the company that keeps the account records. Where to log in, and what the filing says.
Maximum employer match, as a share of pay
4%
Renasant Corp matches 100% (dollar-for-dollar) of the first 4% of pay.
From the Form 11-K filed June 25, 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 Renasant puts in, and what the plan costs
What Renasant put into the plan, per active participant
$3,284
Renasant Corp put $3,284 into this plan for each of its 2,310 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.
Renasant put in less per active participant than 52% of plans with 1,000–4,999 participants at banks and lenders. The middle plan in that group of 245 reported $3,422. Banks and lenders comes from business code 522110, which Renasant 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 Renasant 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 640220550, plan 004 · DOL EFAST2 ↗
The $3,284 above is the Form 5500 figure for plan year 2024, and it counts every employer dollar on one line. Renasant Corp also files a Form 11-K, which states the match formula for plan year 2025: the card below reads $1,980 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 Renasant puts in
$1,980
a year, at a $49,500 salary.
The match paragraph, word for word
“The Bank matches each eligible participant’s voluntary deferrals, including catch-up contributions, up to 4% of compensation.”
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
71.43 out of 100
How fast the employer’s money becomes yours. Higher than 32% 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%, 100%, 100%, 100%, 100%, 100%. The score is the average of those 7 readings.
Vesting, word for word
“Safe harbor matching contributions vest 100% after two years 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
46th percentile
$78.75 per participant in plan-paid administrative cost, cheaper than 54% of plans with 1,000–4,999 participants.
What is Renasant's 401(k) match formula?
Renasant'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 |
| Other employer contribution | The Bank may elect to make a profit sharing contribution in any year, allocated as a level percentage of the compensation of each eligible participant and the same percentage of compensation of each eligible participant in excess of the Social Security wage base. |
At a $45,000 salary, contributing 4% ($1,800) earns the full employer match of $1,800 for the year.
What the filing says, word for word
“The Bank matches each eligible participant’s voluntary deferrals, including catch-up contributions, up to 4% of compensation.”
Source: Form 11-K filed June 25, 2026, SEC EDGAR · SEC ↗
What is Renasant's 401(k) vesting schedule?
Renasant vests the employer match on a cliff schedule: nothing is yours until two years of service, then 100% at once. Leave a day early and the employer money goes back to the plan, the edge a two-year cliff creates.
| Employer match vesting | Cliff: 100% vested after 2 years of service |
|---|---|
| Your own contributions | Immediate: always 100% yours |
| Accelerated vesting | In the event of Plan termination, affected participants will become 100% vested in their accounts. |
| Other employer contributions | Nondiscretionary profit sharing contributions vest under a six year graded schedule: 0% with less than two years of service, 20% at two years, 40% at three years, 60% at four years, 80% at five years, and 100% at six or more years of service. |
Vesting, word for word
“Safe harbor matching contributions vest 100% after two years of service.”
Source: Form 11-K filed June 25, 2026, SEC EDGAR · SEC ↗
Who can join Renasant's 401(k), and is enrollment automatic?
Renasant enrolls new hires automatically at 4% of pay, rising 1% a year to 6% of pay.
| Plan entry | Immediately eligible to participate for common law employees not subject to a collective bargaining agreement. |
|---|---|
| Excluded groups | Employees subject to a collective bargaining agreement, certain nonresident aliens with no earned income from U.S. sources, leased employees, and independent contractors or similar workers. |
| Automatic enrollment | Yes: default deferral 4% of pay; auto-escalation +1%/yr to 6% |
Eligibility, word for word
“Common law employees, other than employees subject to a collective bargaining agreement, certain nonresident aliens who have no earned income from sources within the United States and leased employees, are immediately eligible to participate in the Plan. Independent contractors or similar workers are not eligible.”
Automatic enrollment, word for word
“Eligible employees are automatically enrolled to contribute 4% of compensation into the Plan during the first year of eligibility followed by an annual increase of one percentage point up to a maximum of 6%.”
Source: Form 11-K filed June 25, 2026, SEC EDGAR · SEC ↗
Who holds your account
Schedule C of the Form 5500 filed for plan year 2024 reports Empower, filed as “EMPOWER ANNUITY INSURANCE COMPANY O”. 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.
7,876 plans on file name Empower as their recordkeeper. Of those, the 7,813 with a computable fee have a median plan-paid cost of $165.72 per participant.
Participants log in at Empower ↗. 401(k) Monitor is not affiliated with Empower or with any other recordkeeper, and takes nothing for this link. It is here because that is where the account is.
| Recordkeeper | Empower |
|---|---|
| Recordkeeper address | 8515 East Orchard Road, Greenwood Village, CO 80111 |
What does the Renasant plan report on Form 5500?
The Renasant plan reported $320.2M in assets and 3,123 participants for plan year 2024.
| Total plan assets | $320,209,760 |
|---|---|
| Participants | 3,123 |
| Plan-paid admin cost per participant | $78.75 |
How that cost compares
This plan pays $78.75 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.
Read from the Form 5500 filing of Renasant Bank 401(k) Plan, which has no page of its own here.
How does Renasant's 401(k) match compare?
Renasant Corp'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, three file at banks and lenders, two report the same recordkeeper and one vests on the same schedule.
Maximum match 4% of pay. Also at banks and lenders.
Maximum match 4% of pay. Also at banks and lenders.
Maximum match 4% of pay. Also at banks and lenders.
Maximum match 4% of pay. Same recordkeeper, Empower.
Maximum match 4% of pay. Same recordkeeper, Empower.
Maximum match 3.5% of pay. Same 2-year cliff as Renasant.
What can you do next?
- Read the Form 11-K on SEC EDGAR ↗
Form 11-K filed June 25, 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 Renasant Corp's 401(k) match?
Renasant Corp matches 100% of employee contributions up to 4% of eligible pay (plan year ended December 31, 2025).
When does the Renasant Corp 401(k) match vest?
Cliff: 100% vested after 2 years of service.
Does Renasant Corp's 401(k) plan have automatic enrollment?
Yes: default deferral 4% of pay; auto-escalation +1%/yr to 6%.
Who is the recordkeeper for Renasant Corp's 401(k)?
Empower is named as the recordkeeper on the Form 5500 filed for Renasant Bank 401(k) Plan 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 Renasant Corp 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 | Renasant Corp |
| SEC CIK | 715072 |
| Accession number | 0000715072-26-000058 |
| Plan | Renasant Bank 401(k) Plan |
| Period of report | December 31, 2025 |
| Filed | June 25, 2026 |
401(k) Monitor is not affiliated with Renasant Corp, 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, “Renasant Corp 401(k) plan facts”, from SEC Form 11-K accession 0000715072-26-000058, plan year ended December 31, 2025.
