Stifel Financial Corp. 401(k): Empower, match 6% max
Stifel Financial Profit Sharing 401(k) Plan · SF · CIK 720672
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
6%
Stifel Financial Corp. matches 100% (dollar-for-dollar) of the first 6% of pay.
From the Form 11-K filed June 12, 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 Stifel Financial puts in, and what the plan costs
What Stifel Financial put into the plan, per active participant
$1,737
Stifel Financial Corp. put $1,737 into this plan for each of its 8,303 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.
Stifel Financial put in less per active participant than 86% of plans with 5,000+ participants in investment management and securities. The middle plan in that group of 45 reported $6,786. Investment management and securities comes from business code 523110, which Stifel 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 Stifel 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 431273600, plan 001 · DOL EFAST2 ↗
The $1,737 above is the Form 5500 figure for plan year 2024, and it counts every employer dollar on one line. Stifel Financial Corp. also files a Form 11-K, which states the match formula for plan year 2025: the card below reads $2,970 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 Stifel Financial puts in
$2,970
a year, at a $49,500 salary.
The match paragraph, word for word
“For the year ended December 31, 2025, the Company made matching contributions equal to 100% of the first 6% contributed by each participant, for a maximum of $3,000 for semi-monthly associates with eligible earnings under $250,000, or $1,000 for commission-paid associates and semi-monthly associates with eligible earnings greater than $250,000.”
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
“Vesting in the Company’s contributions plus earnings thereon is based on years of service. A participant is fully vested after three 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
33rd percentile
$38.90 per participant in plan-paid administrative cost, cheaper than 68% of plans with 5,000+ participants.
What is Stifel Financial's 401(k) match formula?
Stifel Financial's 401(k) employer match tops out at 6% of pay. The match is deposited once a year. 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 6% of pay |
|---|---|
| Maximum employer match | 6% of compensation |
| Rate actually paid this plan yearAs reported in the filing. | For the year ended December 31, 2025, the Company made matching contributions equal to 100% of the first 6% contributed by each participant, for a maximum of $3,000 for semi-monthly associates with eligible earnings under $250,000, or $1,000 for commission-paid associates and semi-monthly associates with eligible earnings greater than $250,000. |
| Deposited | Once a year |
| Paid in company stock | No, paid in cash or per your investment elections |
| Conditions | Company match is capped at a dollar maximum of $3,000 annually for semi-monthly associates with eligible earnings under $250,000, or $1,000 for commission-paid associates and semi-monthly associates with eligible earnings greater than $250,000; the Company's contribution is credited to participant accounts at the end of the year. |
| Other employer contribution | Discretionary profit-sharing contribution based on profitability (none made for 2025) |
At a $45,000 salary, contributing 6% ($2,700) earns the full employer match of $2,700 for the year.
What the filing says, word for word
“For the year ended December 31, 2025, the Company made matching contributions equal to 100% of the first 6% contributed by each participant, for a maximum of $3,000 for semi-monthly associates with eligible earnings under $250,000, or $1,000 for commission-paid associates and semi-monthly associates with eligible earnings greater than $250,000.”
Source: Form 11-K filed June 12, 2026, SEC EDGAR, corroborated by the filing's inline-XBRL facts · SEC ↗
What is Stifel Financial's 401(k) vesting schedule?
Stifel Financial 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 |
Vesting, word for word
“Vesting in the Company’s contributions plus earnings thereon is based on years of service. A participant is fully vested after three years of service.”
Source: Form 11-K filed June 12, 2026, SEC EDGAR · SEC ↗
Who can join Stifel Financial's 401(k), and is enrollment automatic?
Stifel Financial enrolls new hires automatically at 6% of pay, rising 1% a year to 10% of pay.
| Automatic enrollment | Yes: default deferral 6% of pay; auto-escalation +1%/yr to 10%; default investment: Qualified Default Investment Alternative (QDIA) |
|---|
Automatic enrollment, word for word
“The Plan includes an automatic deferral feature. Accordingly, the Company will automatically withhold a portion of an eligible participant’s compensation. The amount to be automatically withheld will be equal to 6% of an eligible participant’s compensation, and that amount will increase by 1% each plan year until the amount withheld reaches 10% of an eligible participant’s annual compensation.”
Source: Form 11-K filed June 12, 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”. 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 EIN | 061050034 |
| Recordkeeper address | 8515 East Orchard Road, Greenwood Village, CO 80111 |
What does the Stifel Financial plan report on Form 5500?
The Stifel Financial plan reported $2.3B in assets and 10,139 participants for plan year 2024.
| Total plan assets | $2,319,960,096 |
|---|---|
| Participants | 10,139 |
| Plan-paid admin cost per participant | $38.90 |
How that cost compares
This plan pays $38.90 per participant. The median across plans in investment management and securities is $111.34, from the 882 of 960 whose Form 5500 yields a per-participant cost.
Stifel Financial Profit Sharing 401(k) Plan on its Form 5500 filing: fees, providers and financials
How does Stifel Financial's 401(k) match compare?
Stifel Financial Corp.'s maximum 401(k) match of 6% 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 investment management and securities, two report the same recordkeeper and one vests on the same schedule.
Maximum match 6% of pay. Also in investment management and securities.
Match vests in steps, 100% after 3 years. Also in investment management and securities.
Maximum match 6% of pay. Also in investment management and securities.
Maximum match 6% of pay. Same recordkeeper, Empower.
Maximum match 6% of pay. Same recordkeeper, Empower.
Maximum match 6% of pay. Same 3-year cliff as Stifel Financial.
Compare Stifel Financial Corp. with any company, side by side
What can you do next?
- Read the Form 11-K on SEC EDGAR ↗
Form 11-K filed June 12, 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 Stifel Financial Corp.'s 401(k) match?
Stifel Financial Corp. matches 100% of employee contributions up to 6% of eligible pay (plan year ended December 31, 2025).
When does the Stifel Financial Corp. 401(k) match vest?
Cliff: 100% vested after 3 years of service.
Does Stifel Financial Corp.'s 401(k) plan have automatic enrollment?
Yes: default deferral 6% of pay; auto-escalation +1%/yr to 10%; default investment: Qualified Default Investment Alternative (QDIA).
Who is the recordkeeper for Stifel Financial Corp.'s 401(k)?
Empower is named as the recordkeeper on the Form 5500 filed for Stifel Financial Profit Sharing 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 Stifel Financial 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 | Stifel Financial Corp. |
| SEC CIK | 720672 |
| Accession number | 0001193125-26-269380 |
| Plan | Stifel Financial Profit Sharing 401(k) Plan |
| Period of report | December 31, 2025 |
| Filed | June 12, 2026 |
401(k) Monitor is not affiliated with Stifel Financial 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, “Stifel Financial Corp. 401(k) plan facts”, from SEC Form 11-K accession 0001193125-26-269380, plan year ended December 31, 2025.
