SERVICE CORP INTERNATIONAL 401(k) match: 7.5% max
SCI 401(k) Retirement Savings Plan · SCI · CIK 89089
Maximum employer match, as a share of pay
7.5%
SERVICE CORP INTERNATIONAL matches 75%, 100% (dollar-for-dollar) or 125% of the first 6% of pay, for a maximum employer match of 7.5% of pay.
From the Form 11-K filed June 25, 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 SERVICE INTERNATIONAL puts in, and what the plan costs
What SERVICE INTERNATIONAL puts in
$3,713
a year, at a $49,500 salary.
The filing states more than one match rate and a worker is on one of them, set by the plan's own conditions. The highest is 7.5% of pay, for a worker contributing 6% of pay, and the lower rates pay less on the same contribution.
The match paragraph, word for word
“The Company contributes a matching amount up to 6% of the participant's pretax annual compensation. The percentage of the match is based on years of vesting service with the Company and ranges from 75% to 125% of the employee's eligible contribution as described in the table below. Additional amounts may be contributed at the Company's discretion. There were no discretionary Company contributions for the year ended December 31, 2025.”
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
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 fully vested in their deferred salary, rollover contributions, and related earnings. Participants are not vested in Company contributions and related earnings until they complete three years of service with the Company, thus becoming 100% vested.”
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 SERVICE INTERNATIONAL's 401(k) match formula?
SERVICE INTERNATIONAL's 401(k) employer match tops out at 7.5% of pay. This plan states more than one match rate and a worker is on one of them, which is not the usual shape of a tiered formula.
| Match formula | 75% of the first 6% of pay |
|---|---|
| or | 100% (dollar-for-dollar) of the first 6% of pay |
| or | 125% of the first 6% of pay |
| Conditions | Match rate is not a flat percentage: it depends on the participant's completed years of vesting service, applied to eligible contributions up to 6% of pay. Schedule: 0-5 years of service = 75% match, 6-10 years = 100% match, 11 or more years = 125% match. Effective employer match therefore ranges from 4.5% to 7.5% of compensation depending on tenure, for a participant deferring at least 6% of pay. |
| Other employer contribution | Additional amounts may be contributed at the Company's discretion. There were no discretionary Company contributions for the year ended December 31, 2025. |
At a $60,000 salary, contributing 6% ($3,600) earns the whole match the worker is entitled to, which is $4,500 for the year at the plan's highest rate and less at its lower ones.
What the filing says, word for word
“The Company contributes a matching amount up to 6% of the participant's pretax annual compensation. The percentage of the match is based on years of vesting service with the Company and ranges from 75% to 125% of the employee's eligible contribution as described in the table below. Additional amounts may be contributed at the Company's discretion. There were no discretionary Company contributions for the year ended December 31, 2025.”
Source: Form 11-K filed June 25, 2026, SEC EDGAR, corroborated by the filing's inline-XBRL facts · SEC ↗
What is SERVICE INTERNATIONAL's 401(k) vesting schedule?
SERVICE INTERNATIONAL 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 | If the Plan is terminated, participants will become 100% vested and account balances will be distributed by a lump-sum payment. |
Vesting, word for word
“Participants are fully vested in their deferred salary, rollover contributions, and related earnings. Participants are not vested in Company contributions and related earnings until they complete three years of service with the Company, thus becoming 100% vested.”
Source: Form 11-K filed June 25, 2026, SEC EDGAR · SEC ↗
Who can join SERVICE INTERNATIONAL's 401(k), and is enrollment automatic?
SERVICE INTERNATIONAL enrolls new hires automatically at 4% of pay.
| Plan entry | Eligible employees can participate in the Plan after completing two months of service and attaining age 18. |
|---|---|
| Excluded groups | Employees covered by a collective bargaining agreement in which retirement benefits are provided are not eligible to participate in the Plan. |
| Automatic enrollment | Yes: default deferral 4% of pay |
Eligibility, word for word
“Eligible employees can participate in the Plan after completing two months of service and attaining age 18. Employees covered by a collective bargaining agreement in which retirement benefits are provided are not eligible to participate in the Plan.”
Automatic enrollment, word for word
“Employees are initially enrolled in the Plan, after meeting eligibility criteria, contributing 4% of pretax annual compensation, unless participation is specifically rejected by such employees.”
Source: Form 11-K filed June 25, 2026, SEC EDGAR · SEC ↗
What else does SERVICE INTERNATIONAL's 11-K report?
The SERVICE INTERNATIONAL plan held $2.0B in net assets at the end of the plan year ended December 31, 2025.
| Net plan assets (end of plan year) | $1,951,950,138 |
|---|---|
| Trustee / recordkeeper | Plan assets held by Charles Schwab Trust Bank (Plan Trustee); participant accounts maintained by Schwab Retirement Plan Services, Inc. |
| Plan auditor | HARPER & PEARSON COMPANY, P.C. |
| Notable events | Effective September 1, 2024, the Plan was amended to designate the SCI common stock fund as an employee stock ownership plan as defined in Section 4975(e)(7) of the Internal Revenue Code of 1986, as amended, and adopt all attendant rights and limitations required by such Code Section. |
Source: Form 11-K filed June 25, 2026, SEC EDGAR · SEC ↗
How does SERVICE INTERNATIONAL's 401(k) match compare?
SERVICE CORP INTERNATIONAL's maximum 401(k) match of 7.5% 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 SERVICE INTERNATIONAL's maximum match and one vests on the same schedule.
Maximum match 7.5% of pay, level with SERVICE INTERNATIONAL.
Maximum match 7.98% of pay, 0.48 points above SERVICE INTERNATIONAL.
Maximum match 7.02% of pay, 0.48 points below SERVICE INTERNATIONAL.
Maximum match 8% of pay, 0.5 points above SERVICE INTERNATIONAL.
Maximum match 7% of pay, 0.5 points below SERVICE INTERNATIONAL.
Maximum match 3% of pay. Same 3-year cliff as SERVICE INTERNATIONAL.
Compare SERVICE CORP INTERNATIONAL with any company, side by side
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 SERVICE CORP INTERNATIONAL's 401(k) match?
Service Corp International matches one of these rates, not all of them: 75%, 100% (dollar-for-dollar) or 125% of the first 6% of pay, so the employer match tops out at 7.5% of compensation (plan year ended December 31, 2025).
When does the SERVICE CORP INTERNATIONAL 401(k) match vest?
Cliff: 100% vested after 3 years of service.
Does SERVICE CORP INTERNATIONAL's 401(k) plan have automatic enrollment?
Yes: default deferral 4% of pay.
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 SERVICE CORP INTERNATIONAL 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 | SERVICE CORP INTERNATIONAL |
| SEC CIK | 89089 |
| Accession number | 0000089089-26-000069 |
| Plan | SCI 401(k) Retirement Savings Plan |
| Period of report | December 31, 2025 |
| Filed | June 25, 2026 |
401(k) Monitor is not affiliated with SERVICE CORP INTERNATIONAL, 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, “SERVICE CORP INTERNATIONAL 401(k) plan facts”, from SEC Form 11-K accession 0000089089-26-000069, plan year ended December 31, 2025.
