S&P Global 401(k): Fidelity, match 4% max
The 401(k) Savings and Profit Sharing Plan of S&P Global Inc. and Its Subsidiaries · SPGI · CIK 64040
Fidelity Investments 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%
S&P Global matches 100% (dollar-for-dollar) of the first 4% of pay.
From the Form 11-K filed June 26, 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 S&P Global puts in, and what the plan costs
What S&P Global put into the plan, per active participant
$12,071
S&P Global put $12,071 into this plan for each of its 10,289 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 S&P Global 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 131026995, plan 002 · DOL EFAST2 ↗
The $12,071 above is the Form 5500 figure for plan year 2024, and it counts every employer dollar on one line. S&P Global 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 S&P Global puts in
$1,980
a year, at a $49,500 salary.
The match paragraph, word for word
“The Company matches 100% of the first 4% of tax deferred compensation contributed to the Plan by all eligible employees. In addition, the Company also makes a non-elective contribution for all eligible employees equal to 2% of eligible compensation. Effective January 1, 2025, eligible compensation for purposes of the 2% non-elective employer contributions only excludes STIC for Non-Guild Eligible Employees and includes STIC for Guild-Represented Eligible Employees.”
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
100 out of 100
How fast the employer’s money becomes yours. Higher than 48% 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: 100%, 100%, 100%, 100%, 100%, 100%, 100%. The score is the average of those 7 readings.
Vesting, word for word
“Employee contributions to the Plan are non-forfeitable. Matching contributions by the employer are fully vested immediately. Employer profit sharing contributions shall vest as follows:”
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
The Form 5500 filing does not report the plan-paid administrative expenses this figure needs.
What is S&P Global's 401(k) match formula?
S&P Global'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 |
| Conditions | The match applies to tax deferred compensation contributed by all eligible employees |
| Other employer contribution | Non-elective contribution equal to 2% of eligible compensation for all eligible employees; effective January 1, 2025 eligible compensation for this contribution excludes STIC for Non-Guild Eligible Employees and includes STIC for Guild-Represented Eligible Employees |
| Other employer contribution | Discretionary profit sharing contributions from consolidated net profits, up to a maximum of 2.5% of eligible compensation for Non-Guild Eligible Employees, and up to 2.5% of eligible compensation up to the Social Security wage base plus 5% of eligible compensation in excess of the wage base for Guild-Represented Eligible Employees ($18,869 thousand contributed for the 2025 plan year); profit sharing eligibility is generally limited to Non-Guild employees hired on or before November 1, 2021 and Guild-Represented employees who satisfied age and service requirements on or before December 31, 2023 |
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 Company matches 100% of the first 4% of tax deferred compensation contributed to the Plan by all eligible employees. In addition, the Company also makes a non-elective contribution for all eligible employees equal to 2% of eligible compensation. Effective January 1, 2025, eligible compensation for purposes of the 2% non-elective employer contributions only excludes STIC for Non-Guild Eligible Employees and includes STIC for Guild-Represented Eligible Employees.”
Source: Form 11-K filed June 26, 2026, SEC EDGAR · SEC ↗
What is S&P Global's 401(k) vesting schedule?
S&P Global 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 | Upon termination of the Plan, the account balances of all participants become non-forfeitable |
| Other employer contributions | Employer profit sharing contributions vest 20% after 2 years, 40% after 3 years, 60% after 4 years, and 100% after 5 years of continuous service; non-vested benefits are forfeited after a five-year break in service |
Vesting, word for word
“Employee contributions to the Plan are non-forfeitable. Matching contributions by the employer are fully vested immediately. Employer profit sharing contributions shall vest as follows:”
Source: Form 11-K filed June 26, 2026, SEC EDGAR · SEC ↗
Who can join S&P Global's 401(k), and is enrollment automatic?
S&P Global enrolls new hires automatically at 4% of pay, rising 1% a year to 10% of pay.
| Plan entry | Employees of participating units of the Company have immediate eligibility, as long as the employee has completed the enrollment process |
|---|---|
| Automatic enrollment | Yes: default deferral 4% of pay; 35-day opt-out window; auto-escalation +1%/yr to 10%; default investment: Age appropriate Target Retirement Fund, based on the date the individual will turn age 65 |
Eligibility, word for word
“Employees of participating units of the Company have immediate eligibility, as long as the employee has completed the enrollment process.”
Automatic enrollment, word for word
“All eligible employees who do not make an election to participate will automatically be enrolled in the Plan after 35 days of eligibility to participate with tax deferred participant contributions at 4% of eligible pay. The contribution automatically increases annually by 1% until the contribution rate equals 10% of eligible pay. Participants may opt out of the automatic increase.”
Source: Form 11-K filed June 26, 2026, SEC EDGAR · SEC ↗
Who holds your account
Schedule C of the Form 5500 filed for plan year 2024 reports Fidelity Investments, filed as “FIDELITY INVESTMENTS INSTITUTIONAL”. 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.
10,593 plans on file name Fidelity Investments as their recordkeeper. Of those, the 10,022 with a computable fee have a median plan-paid cost of $97.71 per participant.
Participants log in at Fidelity NetBenefits ↗. 401(k) Monitor is not affiliated with Fidelity Investments or with any other recordkeeper, and takes nothing for this link. It is here because that is where the account is.
| Recordkeeper | Fidelity Investments |
|---|---|
| Recordkeeper EIN | 042647786 |
What does the S&P Global plan report on Form 5500?
The S&P Global plan reported $5.7B in assets and 21,760 participants for plan year 2024.
| Total plan assets | $5,743,931,000 |
|---|---|
| Participants | 21,760 |
How that cost compares
It is one of 1,108 plans in media, telecom and information in the Form 5500 data we publish.
How does S&P Global's 401(k) match compare?
S&P Global'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 media, telecom and information, two report the same recordkeeper and one vests on the same schedule.
Maximum match 4% of pay. Also in media, telecom and information.
Maximum match 4% of pay. Also in media, telecom and information.
Maximum match 4% of pay. Also in media, telecom and information.
Maximum match 4% of pay. Same recordkeeper, Fidelity Investments.
Maximum match 4% of pay. Same recordkeeper, Fidelity Investments.
Maximum match 4% of pay. Vests immediately too, like S&P Global.
What can you do next?
- Read the Form 11-K on SEC EDGAR ↗
Form 11-K filed June 26, 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 S&P Global's 401(k) match?
S&P Global matches 100% of employee contributions up to 4% of eligible pay (plan year ended December 31, 2025).
When does the S&P Global 401(k) match vest?
Immediate: employer match is 100% vested when contributed.
Does S&P Global's 401(k) plan have automatic enrollment?
Yes: default deferral 4% of pay; 35-day opt-out window; auto-escalation +1%/yr to 10%; default investment: Age appropriate Target Retirement Fund, based on the date the individual will turn age 65.
Who is the recordkeeper for S&P Global's 401(k)?
Fidelity Investments is named as the recordkeeper on the Form 5500 filed for The 401(k) Savings And Profit Sharing Plan Of S&P Global Inc. And Its Subsidiaries 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 S&P Global 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 | S&P Global |
| SEC CIK | 64040 |
| Accession number | 0000064040-26-000036 |
| Plan | The 401(k) Savings and Profit Sharing Plan of S&P Global Inc. and Its Subsidiaries |
| Period of report | December 31, 2025 |
| Filed | June 26, 2026 |
401(k) Monitor is not affiliated with S&P Global, 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, “S&P Global 401(k) plan facts”, from SEC Form 11-K accession 0000064040-26-000036, plan year ended December 31, 2025.
