VALMONT INDUSTRIES INC 401(k): Fidelity, match 4.5% max
VALMONT EMPLOYEE RETIREMENT SAVINGS PLAN · VMI · CIK 102729
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.
Matched to this employer by sponsor name, not by an identifier stated in the filing.
Maximum employer match, as a share of pay
4.5%
VALMONT INDUSTRIES INC matches 75% of the first 6% of pay.
From the Form 11-K filed June 22, 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 VALMONT INDUSTRIES puts in, and what the plan costs
What VALMONT INDUSTRIES put into the plan, per active participant
$2,971
VALMONT INDUSTRIES INC put $2,971 into this plan for each of its 6,316 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.
VALMONT INDUSTRIES put in less per active participant than 61% of plans with 5,000+ participants in industrial and materials manufacturing. The middle plan in that group of 178 reported $3,585. Industrial and materials manufacturing comes from business code 332900, which VALMONT 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.
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 VALMONT 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 470351813, plan 003 · DOL EFAST2 ↗
The $2,971 above is the Form 5500 figure for plan year 2024, and it counts every employer dollar on one line. VALMONT INDUSTRIES INC also files a Form 11-K, which states the match formula for plan year 2025: the card below reads $2,228 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 VALMONT INDUSTRIES puts in
$2,228
a year, at a $49,500 salary.
The match paragraph, word for word
“The Company matches 75% of the first 6% of eligible compensation that a participant contributes to the Plan unless the participant is covered by a collective bargaining agreement, in which case the agreement’s terms apply.”
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
64.29 out of 100
How fast the employer’s money becomes yours. Higher than 29% 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%, 25%, 50%, 75%, 100%, 100%, 100%. The score is the average of those 7 readings.
Vesting, word for word
“Participants’ contributions and related investment earnings are immediately vested. Vesting in the Company’s matching contributions and related earnings occurs at a rate of 25% per year of service, with full vesting after four years.”
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
84th percentile
$104.24 per participant in plan-paid administrative cost, more expensive than 84% of plans with 5,000+ participants.
What is VALMONT INDUSTRIES' 401(k) match formula?
VALMONT INDUSTRIES' 401(k) employer match tops out at 4.5% of pay. One rate up to one limit is the commonest of the four shapes a match formula takes.
| Match formula | 75% of the first 6% of pay |
|---|---|
| Maximum employer match | 4.5% of compensation |
| Conditions | unless the participant is covered by a collective bargaining agreement, in which case the agreement’s terms apply |
At a $60,000 salary, contributing 6% ($3,600) earns the full employer match of $2,700 for the year.
What the filing says, word for word
“The Company matches 75% of the first 6% of eligible compensation that a participant contributes to the Plan unless the participant is covered by a collective bargaining agreement, in which case the agreement’s terms apply.”
Source: Form 11-K filed June 22, 2026, SEC EDGAR, corroborated by the filing's inline-XBRL facts · SEC ↗
What is VALMONT INDUSTRIES' 401(k) vesting schedule?
VALMONT INDUSTRIES vests the employer match on a graded schedule: 25% after one year, rising to 100% after four. Each step is money that leaves with you that year, which is how a graded schedule differs from a cliff.
| Employer match vesting | Graded: 25% at 1 yr, 50% at 2 yr, 75% at 3 yr, 100% at 4 yr |
|---|---|
| Your own contributions | Immediate: always 100% yours |
| Accelerated vesting | In the event of Plan termination, all participants would become 100% vested in the Company’s contributions to their accounts. |
Vesting, word for word
“Participants’ contributions and related investment earnings are immediately vested. Vesting in the Company’s matching contributions and related earnings occurs at a rate of 25% per year of service, with full vesting after four years.”
Source: Form 11-K filed June 22, 2026, SEC EDGAR · SEC ↗
Who can join VALMONT INDUSTRIES' 401(k), and is enrollment automatic?
VALMONT INDUSTRIES enrolls new hires automatically at 6% of pay.
| Plan entry | covers regular employees, as defined in the Plan document, beginning on the first day of the month following their date of hire |
|---|---|
| Automatic enrollment | Yes: default deferral 6% of pay |
Eligibility, word for word
“The Plan qualifies under Section 401(a) of the Internal Revenue Code (“IRC”) of 1986, as amended, and covers regular employees, as defined in the Plan document, beginning on the first day of the month following their date of hire.”
Automatic enrollment, word for word
“Employees who do not make an affirmative deferral election are automatically enrolled with a pre-tax deferral of 6% of their eligible compensation.”
Source: Form 11-K filed June 22, 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.
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.
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 VALMONT INDUSTRIES plan report on Form 5500?
The VALMONT INDUSTRIES plan reported $665.5M in assets and 7,903 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 | Valmont Employee Retirement Savings Plan |
|---|---|
| Total plan assets | $665,495,597 |
| Participants | 7,903 |
| Plan-paid admin cost per participant | $104.24 |
How that cost compares
This plan pays $104.24 per participant. The median across plans in industrial and materials manufacturing is $142.19, from the 5,709 of 6,008 whose Form 5500 yields a per-participant cost.
Valmont Employee Retirement Savings Plan on its Form 5500 filing: fees, providers and financials
How does VALMONT INDUSTRIES' 401(k) match compare?
VALMONT INDUSTRIES INC's maximum 401(k) match of 4.5% 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, three file in industrial and materials manufacturing, two report the same recordkeeper and one vests on the same schedule.
Maximum match 4.5% of pay. Also in industrial and materials manufacturing.
Maximum match 5% of pay. Also in industrial and materials manufacturing.
Maximum match 4% of pay. Also in industrial and materials manufacturing.
Maximum match 4.5% of pay. Same recordkeeper, Fidelity Investments.
Maximum match 4.5% of pay. Same recordkeeper, Fidelity Investments.
Match vests in steps, 100% after 4 years. Also fully vested after 4 years, like VALMONT INDUSTRIES.
Compare VALMONT 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 June 22, 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 VALMONT INDUSTRIES INC's 401(k) match?
Valmont Industries Inc. matches 75% of employee contributions up to 6% of eligible pay (plan year ended December 31, 2025).
When does the VALMONT INDUSTRIES INC 401(k) match vest?
Graded: 25% at 1 yr, 50% at 2 yr, 75% at 3 yr, 100% at 4 yr.
Does VALMONT INDUSTRIES INC's 401(k) plan have automatic enrollment?
Yes: default deferral 6% of pay.
Who is the recordkeeper for VALMONT INDUSTRIES INC's 401(k)?
Fidelity Investments is named as the recordkeeper on the Form 5500 filed for Valmont Employee Retirement 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 VALMONT 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 | VALMONT INDUSTRIES INC |
| SEC CIK | 102729 |
| Accession number | 0000102729-26-000037 |
| Plan | VALMONT EMPLOYEE RETIREMENT SAVINGS PLAN |
| Period of report | December 31, 2025 |
| Filed | June 22, 2026 |
401(k) Monitor is not affiliated with VALMONT 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, “VALMONT INDUSTRIES INC 401(k) plan facts”, from SEC Form 11-K accession 0000102729-26-000037, plan year ended December 31, 2025.
