Best Buy vs Home Depot 401(k) match: 4% vs 3.5%
+0.5 pts
Winner on the headline number: Best Buy, at 4% of pay against Home Depot's 3.5%. Both filings disclose the full formula, so the two numbers compare like for like; vesting, true-up and enrollment defaults still differ line by line below.
On a $60,000 salary, that gap is worth $300 a year more in employer money from Best Buy.
Filings lag by design and formulas can change between them. Why filings lag
Which 401(k) match is larger, Best Buy or Home Depot?
Best Buy offers the larger 401(k) match: up to 4% of pay against Home Depot's 3.5%, per each company's SEC Form 11-K for the plan year ended December 31, 2025.
| Best Buy | Home Depot | |
|---|---|---|
| Maximum employer matchThe most the employer adds, as a share of your pay. | 4% of pay (the larger maximum match) | 3.5% of pay |
| Match formula | 100% (dollar-for-dollar) of the first 3% of pay, then 50% of the next 2% of pay | 150% of the first 1% of pay, then 50% of the next 4% of pay |
| Contribute to collect it allWhat you must put in to earn the full match. | 5% of pay | 5% of pay |
| Vesting of the match | Immediate: employer match is 100% vested when contributed | Cliff: 100% vested after 3 years of service |
| Automatic enrollment | Not mentioned in the filing | Not mentioned in the filing |
| Plan year | Ended December 31, 2025 | Ended December 31, 2025 |
Read from each company's most recent SEC Form 11-K filing. When a filing does not disclose something, we say so instead of guessing.
Useful links
- Best Buy: full 401(k) plan facts
Formula, vesting, eligibility and the verbatim filing sentences.
- Home Depot: full 401(k) plan facts
Formula, vesting, eligibility and the verbatim filing sentences.
- Compare any two companies side by side
Pick your own pair from every company in the data.
More comparisons
- Best Buy vs WalmartWalmart by 2 pts
- Best Buy vs KrogerKroger by 1 pt
- Best Buy vs Lowe'sLowe's by 0.25 pts
- Best Buy vs Macy'sBest Buy by 0.5 pts
- Best Buy vs O'Reilly AutomotiveBest Buy by 1 pt
The figure is the gap between the two maximum matches, in percentage points of pay.