Citigroup vs Wells Fargo 401(k) match: 6% vs 6%
6% each
No winner on the headline number: both plans top out at 6% of pay. The differences live in the formula shape, vesting, true-up and enrollment defaults below.
Filings lag by design and formulas can change between them. Why filings lag
Which 401(k) match is larger, Citigroup or Wells Fargo?
Citigroup and Wells Fargo disclose the same maximum 401(k) match, 6% of pay, in their SEC Form 11-K filings for the plan year ended December 31, 2025.
| Citigroup | Wells Fargo | |
|---|---|---|
| Maximum employer matchThe most the employer adds, as a share of your pay. | 6% of pay | 6% of pay |
| Match formula | 100% (dollar-for-dollar) of the first 6% of pay | 100% (dollar-for-dollar) of the first 6% of pay |
| Contribute to collect it allWhat you must put in to earn the full match. | 6% of pay | 6% of pay |
| Vesting of the match | Immediate: employer match is 100% vested when contributed | Cliff: 100% vested after 3 years of service |
| Automatic enrollment | Yes, 6% default, rises to 15% | 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
- Citigroup: full 401(k) plan facts
Formula, vesting, eligibility and the verbatim filing sentences.
- Wells Fargo: 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
- Bank of America vs CitigroupCitigroup by 1 pt
- JPMorgan Chase vs U.S. BancorpJPMorgan Chase by 1 pt
- Citigroup vs U.S. BancorpCitigroup by 2 pts
- JPMorgan Chase vs Wells FargoWells Fargo by 1 pt
- Citigroup vs Morgan StanleyCitigroup by 1 pt
The figure is the gap between the two maximum matches, in percentage points of pay.