Westinghouse Air Brake Technologies Corporation 401(k) match: 3% max
Wabtec Savings Plan · WAB · CIK 943452
Maximum employer match, as a share of pay
3%
Westinghouse Air Brake Technologies Corporation matches 100% (dollar-for-dollar) of the first 3% of pay.
From the Form 11-K filed June 23, 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 · what the plan reports to the DOL · how it compares · what to do next
What Wabtec puts in, and what the plan costs
What Wabtec put into the plan, per active participant
$5,065
Westinghouse Air Brake Technologies Corporation put $5,065 into this plan for each of its 11,741 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.
Wabtec put in more per active participant than 66% of plans with 5,000+ participants in aerospace and vehicle manufacturing. The middle plan in that group of 69 reported $4,233. Aerospace and vehicle manufacturing comes from business code 336990, which Wabtec 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 Wabtec 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 251615902, plan 004 · DOL EFAST2 ↗
The $5,065 above is the Form 5500 figure for plan year 2024, and it counts every employer dollar on one line. Westinghouse Air Brake Technologies Corporation also files a Form 11-K, which states the match formula for plan year 2025: the card below reads $1,485 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 Wabtec puts in
$1,485
a year, at a $49,500 salary.
The match paragraph, word for word
“For those participants that are eligible, the Company makes an annual basic contribution of 3% of a participant’s eligible compensation, with the general requirement that the Company employs the participant on the last work day of the year for which the basic contribution is made. In addition, the Company will match 100% of the participant’s pre-tax, Roth and/or after-tax contributions to the Plan up to a total of 3% of eligible compensation. Different levels of annual basic contributions and matching contributions may apply to certain collectively bargained employees.”
What you contribute to collect all of it
Contribute at least 3% of your pay to collect the full match.
That is $1,485 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 4% of the 253 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
“Employee pre-tax, Roth, after-tax and rollover contributions are at all times 100% vested and non-forfeitable. Plan participants become 100% vested in employer contributions after three years of service as described in the Plan document. Special vesting rules may apply to amounts held on behalf of certain union employees and on amounts transferred into the Plan from another qualified retirement plan.”
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
51st percentile
$56.13 per participant in plan-paid administrative cost, more expensive than 51% of plans with 5,000+ participants.
What is Wabtec's 401(k) match formula?
Wabtec's 401(k) employer match tops out at 3% 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 3% of pay |
|---|---|
| Maximum employer match | 3% of compensation |
| Conditions | Different levels of annual basic contributions and matching contributions may apply to certain collectively bargained employees. |
| Other employer contribution | Annual basic contribution of 3% of eligible compensation for eligible participants, generally requiring employment on the last work day of the year |
At a $45,000 salary, contributing 3% ($1,350) earns the full employer match of $1,350 for the year.
What the filing says, word for word
“For those participants that are eligible, the Company makes an annual basic contribution of 3% of a participant’s eligible compensation, with the general requirement that the Company employs the participant on the last work day of the year for which the basic contribution is made. In addition, the Company will match 100% of the participant’s pre-tax, Roth and/or after-tax contributions to the Plan up to a total of 3% of eligible compensation. Different levels of annual basic contributions and matching contributions may apply to certain collectively bargained employees.”
Source: Form 11-K filed June 23, 2026, SEC EDGAR, corroborated by the filing's inline-XBRL facts · SEC ↗
What is Wabtec's 401(k) vesting schedule?
Wabtec 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 |
| Other employer contributions | All employer contributions, including annual basic contributions, vest 100% after three years of service; special vesting rules may apply to certain union employees and transferred amounts |
Vesting, word for word
“Employee pre-tax, Roth, after-tax and rollover contributions are at all times 100% vested and non-forfeitable. Plan participants become 100% vested in employer contributions after three years of service as described in the Plan document. Special vesting rules may apply to amounts held on behalf of certain union employees and on amounts transferred into the Plan from another qualified retirement plan.”
Source: Form 11-K filed June 23, 2026, SEC EDGAR · SEC ↗
Who can join Wabtec's 401(k), and is enrollment automatic?
Wabtec enrolls new hires automatically at 3% of pay.
| Plan entry | Upon hire date for all regular United States employees of Wabtec and its subsidiaries |
|---|---|
| Excluded groups | Certain collectively bargained employees; Greensburg, Pennsylvania collectively bargained employees hired before October 1, 2004 are not eligible for employer contributions |
| Automatic enrollment | Yes: default deferral 3% of pay |
Eligibility, word for word
“Except for certain collectively bargained employees as described below, all regular United States employees of Westinghouse Air Brake Technologies Corporation and its subsidiaries (“Wabtec” or the “Company”) are eligible to participate upon their hire date. Subject to the terms of applicable collective bargaining agreements, collectively bargained employees in Greensburg, Pennsylvania are eligible to participate in the Plan upon their hire date, but those hired before October 1, 2004 are not eligible for employer contributions.”
Automatic enrollment, word for word
“New eligible employees are automatically enrolled in the Plan with 3% of eligible compensation contributed to the Plan as employee pre-tax contributions, unless such employees elect a different contribution percentage or elect not to contribute. This automatic enrollment provision does not apply to certain employee groups such as certain collectively bargained employees.”
Source: Form 11-K filed June 23, 2026, SEC EDGAR · SEC ↗
What does the Wabtec plan report on Form 5500?
The Wabtec plan reported $1.6B in assets and 14,850 participants for plan year 2024.
| Total plan assets | $1,581,584,786 |
|---|---|
| Participants | 14,850 |
| Recordkeeper | Fidelity Investments Inst Oper Co |
| Plan-paid admin cost per participant | $56.13 |
How that cost compares
This plan pays $56.13 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.
Wabtec Savings Plan on its Form 5500 filing: fees, providers and financials
How does Wabtec's 401(k) match compare?
Westinghouse Air Brake Technologies Corporation's maximum 401(k) match of 3% of pay compares with a median of 4.5% across the 181 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 Wabtec's maximum match and one vests on the same schedule.
Maximum match 3% of pay. Also in aerospace and vehicle manufacturing.
Maximum match 4% of pay. Also in aerospace and vehicle manufacturing.
Maximum match 4% of pay. Also in aerospace and vehicle manufacturing.
Maximum match 3% of pay, level with Wabtec.
Maximum match 3.5% of pay, 0.5 points above Wabtec.
Maximum match 6% of pay. Same 3-year cliff as Wabtec.
Compare Westinghouse Air Brake Technologies Corporation with any company, side by side
What can you do next?
Check your own balance and contribution rate at Fidelity NetBenefits ↗, the recordkeeper this plan reports.
- Read the Form 11-K on SEC EDGAR ↗
Form 11-K filed June 23, 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.
- Download this data (CSV)
Formula, vesting and source references for this company, one file.
Questions this filing answers
What is Westinghouse Air Brake Technologies Corporation's 401(k) match?
Westinghouse Air Brake Technologies Corporation matches 100% of employee contributions up to 3% of eligible pay (plan year ended December 31, 2025).
When does the Westinghouse Air Brake Technologies Corporation 401(k) match vest?
Cliff: 100% vested after 3 years of service.
Does Westinghouse Air Brake Technologies Corporation's 401(k) plan have automatic enrollment?
Yes: default deferral 3% of pay.
Cite: 401(k) Monitor, “Westinghouse Air Brake Technologies Corporation 401(k) plan facts”, from SEC Form 11-K accession 0001628280-26-044870, plan year ended 2025-12-31.