WESBANCO INC 401(k): Empower, match 4% max
Wesbanco, Inc. 401(k) Plan · WSBC · CIK 203596
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
4%
WESBANCO INC matches 100% (dollar-for-dollar) of the first 3% of pay, then 50% of the next 2% of pay, for a maximum employer match of 4% of pay.
From the Form 11-K filed June 25, 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 WESBANCO puts in, and what the plan costs
What WESBANCO put into the plan, per active participant
$2,732
WESBANCO INC put $2,732 into this plan for each of its 2,447 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.
WESBANCO put in less per active participant than 60% of plans with 1,000–4,999 participants at banks and lenders. The middle plan in that group of 245 reported $3,422. Banks and lenders comes from business code 522110, which WESBANCO 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 WESBANCO 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 550571723, plan 002 · DOL EFAST2 ↗
The $2,732 above is the Form 5500 figure for plan year 2024, and it counts every employer dollar on one line. WESBANCO INC 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. 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 WESBANCO puts in
$1,980
a year, at a $49,500 salary.
The match paragraph, word for word
“For the year ended December 31, 2025, the matching contribution was equal to 100% of the first 3% of compensation deferred and 50% of the next 2% of compensation deferred and was paid in cash”
What you contribute to collect all of it
Contribute at least 5% of your pay to collect the full match.
That is $2,475 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
“A participant’s interest is 100% vested in the employee deferral, employer matching and any rollover account upon becoming eligible to participate in the 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
39th percentile
$67.64 per participant in plan-paid administrative cost, cheaper than 61% of plans with 1,000–4,999 participants.
What is WESBANCO's 401(k) match formula?
WESBANCO's 401(k) employer match tops out at 4% of pay. A tiered formula pays its best rate on the first slice of pay and less on the next, which is how the rate steps down.
| Match formula | 100% (dollar-for-dollar) of the first 3% of pay |
|---|---|
| then | 50% of the next 2% of pay |
| Maximum employer match | 4% of compensation |
| Paid in company stock | No, paid in cash or per your investment elections |
| Conditions | Employer matching contributions may be paid to the Plan in cash or shares of Wesbanco, Inc. common stock, as determined by the Board of Directors. |
At a $45,000 salary, contributing 5% ($2,250) earns the full employer match of $1,800 for the year.
What the filing says, word for word
“For the year ended December 31, 2025, the matching contribution was equal to 100% of the first 3% of compensation deferred and 50% of the next 2% of compensation deferred and was paid in cash”
Source: Form 11-K filed June 25, 2026, SEC EDGAR, corroborated by the filing's inline-XBRL facts · SEC ↗
What is WESBANCO's 401(k) vesting schedule?
WESBANCO 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 |
Vesting, word for word
“A participant’s interest is 100% vested in the employee deferral, employer matching and any rollover account upon becoming eligible to participate in the Plan.”
Source: Form 11-K filed June 25, 2026, SEC EDGAR · SEC ↗
Who can join WESBANCO's 401(k), and is enrollment automatic?
WESBANCO enrolls new hires automatically at 3% of pay.
| Plan entry | Generally, an employee who has completed 60 days of service after attaining 21 years of age shall be eligible to become a participant of the Plan the first day of the next calendar month. |
|---|---|
| Automatic enrollment | Yes: default deferral 3% of pay |
Eligibility, word for word
“Generally, an employee who has completed 60 days of service after attaining 21 years of age shall be eligible to become a participant of the Plan the first day of the next calendar month.”
Automatic enrollment, word for word
“New participants in the Plan will be deemed to have automatically elected to defer 3% of pay into the Plan, unless an affirmative election otherwise is made.”
Source: Form 11-K filed June 25, 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 O”. 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 | 840467907 |
What does the WESBANCO plan report on Form 5500?
The WESBANCO plan reported $238.2M in assets and 3,149 participants for plan year 2024.
| Total plan assets | $238,159,731 |
|---|---|
| Participants | 3,149 |
| Plan-paid admin cost per participant | $67.64 |
How that cost compares
This plan pays $67.64 per participant. The median across plans at banks and lenders is $152.83, from the 2,143 of 2,264 whose Form 5500 yields a per-participant cost.
Read from the Form 5500 filing of Wesbanco, Inc. 401(k) Plan, which has no page of its own here.
How does WESBANCO's 401(k) match compare?
WESBANCO INC'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 at banks and lenders, two report the same recordkeeper and one vests on the same schedule.
Maximum match 4% of pay. Also at banks and lenders.
Maximum match 4.5% of pay. Also at banks and lenders.
Maximum match 4% of pay. Also at banks and lenders.
Maximum match 4% of pay. Same recordkeeper, Empower.
Maximum match 4.5% of pay. Same recordkeeper, Empower.
Maximum match 4.5% of pay. Vests immediately too, like WESBANCO.
What can you do next?
- Read the Form 11-K on SEC EDGAR ↗
Form 11-K filed June 25, 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 WESBANCO INC's 401(k) match?
Wesbanco Inc. matches 100% (dollar-for-dollar) of the first 3% of pay, then 50% of the next 2% of pay, for a maximum employer match of 4% of compensation (plan year ended December 31, 2025).
When does the WESBANCO INC 401(k) match vest?
Immediate: employer match is 100% vested when contributed.
Does WESBANCO INC's 401(k) plan have automatic enrollment?
Yes: default deferral 3% of pay.
Who is the recordkeeper for WESBANCO INC's 401(k)?
Empower is named as the recordkeeper on the Form 5500 filed for Wesbanco, Inc. 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 WESBANCO 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 | WESBANCO INC |
| SEC CIK | 203596 |
| Accession number | 0001193125-26-282779 |
| Plan | Wesbanco, Inc. 401(k) Plan |
| Period of report | December 31, 2025 |
| Filed | June 25, 2026 |
401(k) Monitor is not affiliated with WESBANCO 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, “WESBANCO INC 401(k) plan facts”, from SEC Form 11-K accession 0001193125-26-282779, plan year ended December 31, 2025.
