RTX Corporation 401(k): Alight, match 4% max
RTX Savings Plan · RTX · CIK 101829
Alight 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.
Matched to this employer by sponsor name, not by an identifier stated in the filing.
Maximum employer match, as a share of pay
4%
RTX Corporation matches 100% (dollar-for-dollar) of the first 3% of pay, then 33.3% of the next 3% of pay, for a maximum employer match of 4% of pay.
RTX 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 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 · who holds your account · what the plan reports to the DOL · how it compares · what to do next
What RTX puts in, and what the plan costs
What RTX put into the plan, per active participant
$8,775
RTX Corporation put $8,775 into this plan for each of its 123,327 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.
RTX put in more per active participant than 85% of plans with 5,000+ participants in aerospace and vehicle manufacturing. The middle plan in that group of 69 reported $4,233. Aerospace and vehicle manufacturing comes from business code 336410, which RTX 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 RTX 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 060570975, plan 017 · DOL EFAST2 ↗
The $8,775 above is the Form 5500 figure for plan year 2024, and it counts every employer dollar on one line. RTX Corporation 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 RTX puts in
$1,980
a year, at a $49,500 salary.
The match paragraph, word for word
“Generally, RTX matches 100% of the first 3%, and 33.3% thereafter, up to 6%, of eligible compensation that a participant contributes each pay period. Company matching contributions are funded by Company stock and/or made in cash.”
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
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
“Company matching contributions, plus actual earnings and dividends thereon, generally become fully vested after two years of continuous 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
40th percentile
$45.49 per participant in plan-paid administrative cost, cheaper than 60% of plans with 5,000+ participants.
What is RTX's 401(k) match formula?
RTX's 401(k) employer match tops out at 4% of pay. The match is deposited each payroll. A tiered formula pays its best rate on the first slice of pay and less on the next, which is how the rate steps down.
| Match formula | 100% (dollar-for-dollar) of the first 3% of pay |
|---|---|
| then | 33.3% of the next 3% of pay |
| Maximum employer match | 4% of compensation |
| Deposited | Each payroll |
| Paid in company stock | Yes |
| Conditions | Formula applies generally; matching provisions can vary by participant location per the Plan documents. Matching contributions are funded by Company stock (via a non-leveraged ESOP, invested in the RTX Stock Fund and diversifiable once per calendar quarter regardless of vesting status) and/or made in cash |
| Other employer contribution | Company retirement contribution: an automatic non-elective cash contribution for certain eligible employees equal to 3% to 7% of eligible compensation based on employee age as of December 31 of the current Plan year, made regardless of the employee's election to participate |
| Other employer contribution | Student Loan Repayment Contribution (SLRC): participants making qualified student loan repayments may receive an employer contribution equal to the Company match they would otherwise be eligible to receive, reduced for any other Company matching contributions made during the year, contributed the following year |
At a $60,000 salary, contributing 6% ($3,600) earns the full employer match of $2,400 for the year.
What the filing says, word for word
“Generally, RTX matches 100% of the first 3%, and 33.3% thereafter, up to 6%, of eligible compensation that a participant contributes each pay period. Company matching contributions are funded by Company stock and/or made in cash.”
Source: Form 11-K filed June 18, 2026, SEC EDGAR, corroborated by the filing's inline-XBRL facts · SEC ↗
What is RTX's 401(k) vesting schedule?
RTX 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 |
| Year of service | Two years of continuous service |
| Accelerated vesting | In the event of Plan termination, participants will become 100% vested in their accounts |
| Other employer contributions | Company retirement contributions are generally subject to the same terms and conditions applicable to Company matching contributions (fully vested after two years of continuous service), but are not available for loans |
Vesting, word for word
“Company matching contributions, plus actual earnings and dividends thereon, generally become fully vested after two years of continuous service.”
Source: Form 11-K filed June 18, 2026, SEC EDGAR · SEC ↗
Who can join RTX's 401(k), and is enrollment automatic?
RTX enrolls new hires automatically at 6% of pay, rising 1% a year to 10% of pay.
| Plan entry | Eligible participants are generally eligible to participate in the Plan immediately upon employment with RTX |
|---|---|
| Automatic enrollment | Yes: default deferral 6% of pay; auto-escalation +1%/yr to 10%; default investment: Lifetime Income Strategy (LIS), the Plan's qualified default investment option |
Eligibility, word for word
“Eligible participants of the Company are generally eligible to participate in the Plan immediately upon employment with RTX.”
Automatic enrollment, word for word
“Certain new participants in the Plan are automatically enrolled at a pre-tax deferral rate of 6% of eligible compensation, per the provisions of the Plan. Generally, the contribution rate automatically increases by 1% each year thereafter until it reaches 10%. For certain employees, automatic enrollment and automatic contribution rate increases vary based on the provisions of the Plan document. Participants may opt out of automatic enrollment at any time.”
Source: Form 11-K filed June 18, 2026, SEC EDGAR · SEC ↗
Who holds your account
Schedule C of the Form 5500 filed for plan year 2024 reports Alight, filed as “ALIGHT SOLUTIONS LLC”. 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.
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.
46 plans on file name Alight as their recordkeeper. Of those, the 46 with a computable fee have a median plan-paid cost of $87.90 per participant.
Participants log in at Alight, find your HR website ↗. Alight runs a separate site for each employer, so that page asks which employer you work for first. 401(k) Monitor is not affiliated with Alight or with any other recordkeeper, and takes nothing for this link. It is here because that is where the account is.
| Recordkeeper | Alight |
|---|---|
| Recordkeeper EIN | 821061233 |
What does the RTX plan report on Form 5500?
The RTX plan reported $58.6B in assets and 217,393 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 | RTX Savings Plan |
|---|---|
| Total plan assets | $58,647,425,000 |
| Participants | 217,393 |
| Plan-paid admin cost per participant | $45.49 |
How that cost compares
This plan pays $45.49 per participant. The median across plans in aerospace and vehicle manufacturing is $112.59, from the 899 of 934 whose Form 5500 yields a per-participant cost.
RTX Savings Plan on its Form 5500 filing: fees, providers and financials
How does RTX's 401(k) match compare?
RTX Corporation'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 in aerospace and vehicle manufacturing, two report the same recordkeeper and one vests on the same schedule.
Maximum match 4% of pay. Also in aerospace and vehicle manufacturing.
Maximum match 4.5% of pay. Also in aerospace and vehicle manufacturing.
Maximum match 4% of pay. Also in aerospace and vehicle manufacturing.
Maximum match 4% of pay. Same recordkeeper, Alight.
Maximum match 4% of pay. Same recordkeeper, Alight.
Maximum match 4% of pay. Same 2-year cliff as RTX.
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 RTX Corporation's 401(k) match?
RTX Corporation matches 100% (dollar-for-dollar) of the first 3% of pay, then 33.3% of the next 3% of pay, for a maximum employer match of 4% of compensation (plan year ended December 31, 2025).
When does the RTX Corporation 401(k) match vest?
Cliff: 100% vested after 2 years of service.
Does RTX Corporation's 401(k) plan have automatic enrollment?
Yes: default deferral 6% of pay; auto-escalation +1%/yr to 10%; default investment: Lifetime Income Strategy (LIS), the Plan's qualified default investment option.
Who is the recordkeeper for RTX Corporation's 401(k)?
Alight is named as the recordkeeper on the Form 5500 filed for RTX Savings 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. 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.
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 RTX Corporation 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 | RTX Corporation |
| SEC CIK | 101829 |
| Accession number | 0000101829-26-000020 |
| Plan | RTX Savings Plan |
| Period of report | December 31, 2025 |
| Filed | June 18, 2026 |
401(k) Monitor is not affiliated with RTX Corporation, 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, “RTX Corporation 401(k) plan facts”, from SEC Form 11-K accession 0000101829-26-000020, plan year ended December 31, 2025.
