WORLD ACCEPTANCE CORP 401(k): Fidelity, match 3% max
World Acceptance Corporation Retirement Savings Plan · WRLD · CIK 108385
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
3%
WORLD ACCEPTANCE CORP matches 50% 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 WORLD ACCEPTANCE puts in, and what the plan costs
What WORLD ACCEPTANCE put into the plan, per active participant
$484
WORLD ACCEPTANCE CORP put $484 into this plan for each of its 3,179 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.
WORLD ACCEPTANCE put in less per active participant than 96% 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 522291, which WORLD ACCEPTANCE 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 WORLD ACCEPTANCE 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 570425114, plan 001 · DOL EFAST2 ↗
The $484 above is the Form 5500 figure for plan year 2024, and it counts every employer dollar on one line. WORLD ACCEPTANCE CORP 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 WORLD ACCEPTANCE puts in
$1,485
a year, at a $49,500 salary.
The match paragraph, word for word
“For 2025, the Employer matched 50% of each employee's contributions up to the first 6% of the employee's eligible compensation, providing a maximum Employer contribution of 3% of eligible compensation.”
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
42.86 out of 100
How fast the employer’s money becomes yours. No schedule among the 369 we have scored is lower.
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%, 20%, 40%, 60%, 80%, 100%. The score is the average of those 7 readings.
Vesting, word for word
“A participant is 100% vested after six years of credited service, according to the following schedule:”
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
34th percentile
$59.35 per participant in plan-paid administrative cost, cheaper than 66% of plans with 1,000–4,999 participants.
What is WORLD ACCEPTANCE's 401(k) match formula?
WORLD ACCEPTANCE'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 | 50% of the first 6% of pay |
|---|---|
| Maximum employer match | 3% of compensation |
| Other employer contribution | The Employer may also contribute a discretionary, non-elective Employer contribution as determined annually by the Employer. There were no discretionary, non-elective Employer contributions in Plan year 2025. |
At a $60,000 salary, contributing 6% ($3,600) earns the full employer match of $1,800 for the year.
What the filing says, word for word
“For 2025, the Employer matched 50% of each employee's contributions up to the first 6% of the employee's eligible compensation, providing a maximum Employer contribution of 3% of eligible compensation.”
Source: Form 11-K filed June 22, 2026, SEC EDGAR, corroborated by the filing's inline-XBRL facts · SEC ↗
What is WORLD ACCEPTANCE's 401(k) vesting schedule?
WORLD ACCEPTANCE vests the employer match on a graded schedule: 20% after two years, rising to 100% after six. Each step is money that leaves with you that year, which is how a graded schedule differs from a cliff.
| Employer match vesting | Graded: 20% at 2 yr, 40% at 3 yr, 60% at 4 yr, 80% at 5 yr, 100% at 6 yr |
|---|---|
| Your own contributions | Immediate: always 100% yours |
| Accelerated vesting | normal retirement age, death or disability |
Vesting, word for word
“A participant is 100% vested after six years of credited service, according to the following schedule:”
Source: Form 11-K filed June 22, 2026, SEC EDGAR · SEC ↗
Who can join WORLD ACCEPTANCE's 401(k), and is enrollment automatic?
WORLD ACCEPTANCE's filing does not mention automatic enrollment, which is not the same as the plan having none.
| Plan entry | Quarterly, employees of the Plan Sponsor who meet eligibility requirements may elect to become participants in the Plan. Eligibility requirements include a) being at least 21 years of age and b) having completed at least six months of service. |
|---|---|
| Automatic enrollment | Not mentioned in the filing (not proof of absence) |
Eligibility, word for word
“Quarterly, employees of the Plan Sponsor who meet eligibility requirements may elect to become participants in the Plan. Eligibility requirements include a) being at least 21 years of age and b) having completed at least six months of service.”
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 WORLD ACCEPTANCE plan report on Form 5500?
The WORLD ACCEPTANCE plan reported $72.8M in assets and 2,749 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 | World Acceptance Corporation Retirement Savings Plan |
|---|---|
| Total plan assets | $72,765,065 |
| Participants | 2,749 |
| Plan-paid admin cost per participant | $59.35 |
How that cost compares
This plan pays $59.35 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 World Acceptance Corporation Retirement Savings Plan, which has no page of its own here.
How does WORLD ACCEPTANCE's 401(k) match compare?
WORLD ACCEPTANCE CORP's maximum 401(k) match of 3% 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 3% of pay. Also at banks and lenders.
Maximum match 3.5% of pay. Also at banks and lenders.
Maximum match 3% of pay. Also at banks and lenders.
Maximum match 3% of pay. Same recordkeeper, Fidelity Investments.
Maximum match 3.5% of pay. Same recordkeeper, Fidelity Investments.
Maximum match 4% of pay. Also fully vested after 6 years, like WORLD ACCEPTANCE.
Compare WORLD ACCEPTANCE 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 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 WORLD ACCEPTANCE CORP's 401(k) match?
World Acceptance Corp matches 50% of employee contributions up to 6% of eligible pay (plan year ended December 31, 2025).
When does the WORLD ACCEPTANCE CORP 401(k) match vest?
Graded: 20% at 2 yr, 40% at 3 yr, 60% at 4 yr, 80% at 5 yr, 100% at 6 yr.
Does WORLD ACCEPTANCE CORP's 401(k) plan have automatic enrollment?
Not mentioned in the filing (not proof of absence).
Who is the recordkeeper for WORLD ACCEPTANCE CORP's 401(k)?
Fidelity Investments is named as the recordkeeper on the Form 5500 filed for World Acceptance Corporation 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 WORLD ACCEPTANCE 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 | WORLD ACCEPTANCE CORP |
| SEC CIK | 108385 |
| Accession number | 0000108385-26-000020 |
| Plan | World Acceptance Corporation Retirement Savings Plan |
| Period of report | December 31, 2025 |
| Filed | June 22, 2026 |
401(k) Monitor is not affiliated with WORLD ACCEPTANCE 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, “WORLD ACCEPTANCE CORP 401(k) plan facts”, from SEC Form 11-K accession 0000108385-26-000020, plan year ended December 31, 2025.
