TRINITY INDUSTRIES INC 401(k): Voya, match 6% max
Trinity Industries, Inc. 401(k) Plan as Restated Effective August 1, 2020 · TRN · CIK 99780
Voya 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%
TRINITY INDUSTRIES INC matches 100% (dollar-for-dollar) of the first 6% of pay.
From the Form 11-K filed May 15, 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 TRINITY INDUSTRIES puts in, and what the plan costs
What TRINITY INDUSTRIES put into the plan, per active participant
$4,119
TRINITY INDUSTRIES INC put $4,119 into this plan for each of its 2,890 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.
TRINITY INDUSTRIES put in more per active participant than 81% of plans with 1,000–4,999 participants in aerospace and vehicle manufacturing. The middle plan in that group of 199 reported $2,024. Aerospace and vehicle manufacturing comes from business code 336510, which TRINITY INDUSTRIES 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 TRINITY INDUSTRIES 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 750225040, plan 029 · DOL EFAST2 ↗
The $4,119 above is the Form 5500 figure for plan year 2024, and it counts every employer dollar on one line. TRINITY INDUSTRIES INC 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. 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 TRINITY INDUSTRIES puts in
$2,970
a year, at a $49,500 salary.
The match paragraph, word for word
“For each calendar year, from January 1 through December 31 ("Plan Year"), the Company will make an Enhanced Matching Contribution on a per-pay-period basis, as defined by the Plan. Under the Enhanced Matching Contribution, each participant shall receive an amount equal to a dollar-for-dollar Company match of such participant's contribution which does not exceed 6% of such participant's total eligible compensation for the year, as defined by the Plan, regardless of years of service.”
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
“The Company contributions and related earnings vest to participants depending upon the number of years of vesting service, as defined by the Plan, completed by such participant as follows:”
The plan tops the match up after year end, so contributing unevenly through the year does not cost the worker part of it.
The same match paragraph, word for word
“For each calendar year, from January 1 through December 31 ("Plan Year"), the Company will make an Enhanced Matching Contribution on a per-pay-period basis, as defined by the Plan. Under the Enhanced Matching Contribution, each participant shall receive an amount equal to a dollar-for-dollar Company match of such participant's contribution which does not exceed 6% of such participant's total eligible compensation for the year, as defined by the Plan, regardless of 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
68th percentile
$113.90 per participant in plan-paid administrative cost, more expensive than 68% of plans with 1,000–4,999 participants.
What is TRINITY INDUSTRIES' 401(k) match formula?
TRINITY INDUSTRIES' 401(k) employer match tops out at 6% of pay. The match is deposited each payroll and the plan pays an annual true-up. What an annual true-up repays is the arithmetic behind that line: it matters most in a year when contributions land unevenly.
| Match formula | 100% (dollar-for-dollar) of the first 6% of pay |
|---|---|
| Maximum employer match | 6% of compensation |
| True-upA year-end recalculation that repays match lost to uneven contributions. | Yes, annual true-up |
| Deposited | Each payroll |
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 each calendar year, from January 1 through December 31 ("Plan Year"), the Company will make an Enhanced Matching Contribution on a per-pay-period basis, as defined by the Plan. Under the Enhanced Matching Contribution, each participant shall receive an amount equal to a dollar-for-dollar Company match of such participant's contribution which does not exceed 6% of such participant's total eligible compensation for the year, as defined by the Plan, regardless of years of service.”
Source: Form 11-K filed May 15, 2026, SEC EDGAR, corroborated by the filing's inline-XBRL facts · SEC ↗
What is TRINITY INDUSTRIES' 401(k) vesting schedule?
TRINITY INDUSTRIES 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 | Participants are 100% vested in Company contributions and the allocated portion of related earnings upon their attainment of age 65, total and permanent disability or death |
Vesting, word for word
“The Company contributions and related earnings vest to participants depending upon the number of years of vesting service, as defined by the Plan, completed by such participant as follows:”
Source: Form 11-K filed May 15, 2026, SEC EDGAR · SEC ↗
Who can join TRINITY INDUSTRIES' 401(k), and is enrollment automatic?
TRINITY INDUSTRIES enrolls new hires automatically at 6% of pay, rising 1% a year to 15% of pay.
| Plan entry | Each employee of the Company is eligible to contribute to the Plan immediately upon employment, and must meet each of the following additional requirements: 1.Must be in a unit of employees who are designated as eligible to participate in the Plan; and 2.Must not be included in a unit of employees covered by a collective bargaining agreement, unless benefits under the Plan were included in an agreement as a result of good faith bargaining. |
|---|---|
| Excluded groups | Must not be included in a unit of employees covered by a collective bargaining agreement, unless benefits under the Plan were included in an agreement as a result of good faith bargaining. |
| Automatic enrollment | Yes: default deferral 6% of pay; auto-escalation +1%/yr to 15%; default investment: Vanguard Target Retirement Income Trust II Fund |
Eligibility, word for word
“Each employee of the Company is eligible to contribute to the Plan immediately upon employment, and must meet each of the following additional requirements:”
Automatic enrollment, word for word
“Any eligible employee who does not make an election to either participate or not participate in the Plan is automatically enrolled in the Plan with a deferral rate of 6% of their eligible contribution.”
Source: Form 11-K filed May 15, 2026, SEC EDGAR · SEC ↗
Who holds your account
Schedule C of the Form 5500 filed for plan year 2024 reports Voya, filed as “VOYA INSTITUTIONAL PLAN SERVICES, L”. 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.
Participants log in at Voya ↗. 401(k) Monitor is not affiliated with Voya or with any other recordkeeper, and takes nothing for this link. It is here because that is where the account is.
| Recordkeeper | Voya |
|---|---|
| Recordkeeper EIN | 043516284 |
What does the TRINITY INDUSTRIES plan report on Form 5500?
The TRINITY INDUSTRIES plan reported $385.9M in assets and 4,156 participants for plan year 2024.
| Total plan assets | $385,917,824 |
|---|---|
| Participants | 4,156 |
| Plan-paid admin cost per participant | $113.90 |
How that cost compares
This plan pays $113.90 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.
Read from the Form 5500 filing of Trinity Industries, Inc. 401(k) Plan As Restated Effective August 1, 2020, which has no page of its own here.
How does TRINITY INDUSTRIES' 401(k) match compare?
TRINITY INDUSTRIES INC'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 aerospace and vehicle manufacturing, two land near TRINITY INDUSTRIES' maximum match and one vests on the same schedule.
Maximum match 5% of pay. Also in aerospace and vehicle manufacturing.
Employer match vests immediately. Also in aerospace and vehicle manufacturing.
Maximum match 4.5% of pay. Also in aerospace and vehicle manufacturing.
Maximum match 6% of pay, level with TRINITY INDUSTRIES.
Maximum match 6% of pay, level with TRINITY INDUSTRIES.
Maximum match 6% of pay. Same 2-year cliff as TRINITY INDUSTRIES.
Compare TRINITY INDUSTRIES INC with any company, side by side
What can you do next?
- Read the Form 11-K on SEC EDGAR ↗
Form 11-K filed May 15, 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 TRINITY INDUSTRIES INC's 401(k) match?
Trinity Industries Inc. matches 100% of employee contributions up to 6% of eligible pay (plan year ended December 31, 2025).
When does the TRINITY INDUSTRIES INC 401(k) match vest?
Cliff: 100% vested after 2 years of service.
Does TRINITY INDUSTRIES INC's 401(k) plan have automatic enrollment?
Yes: default deferral 6% of pay; auto-escalation +1%/yr to 15%; default investment: Vanguard Target Retirement Income Trust II Fund.
Who is the recordkeeper for TRINITY INDUSTRIES INC's 401(k)?
Voya is named as the recordkeeper on the Form 5500 filed for Trinity Industries, Inc. 401(k) Plan As Restated Effective August 1, 2020 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 TRINITY INDUSTRIES INC 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 | TRINITY INDUSTRIES INC |
| SEC CIK | 99780 |
| Accession number | 0000099780-26-000043 |
| Plan | Trinity Industries, Inc. 401(k) Plan as Restated Effective August 1, 2020 |
| Period of report | December 31, 2025 |
| Filed | May 15, 2026 |
401(k) Monitor is not affiliated with TRINITY INDUSTRIES INC, 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, “TRINITY INDUSTRIES INC 401(k) plan facts”, from SEC Form 11-K accession 0000099780-26-000043, plan year ended December 31, 2025.
