Cummins vs John Deere 401(k) match: 3.5% vs 10%
+6.5 pts
Winner on the headline number: John Deere, at 10% of pay against Cummins' 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 $3,900 a year more in employer money from John Deere.
Filings lag by design and formulas can change between them. Why filings lag
Which 401(k) match is larger, Cummins or John Deere?
John Deere offers the larger 401(k) match: up to 10% of pay against Cummins' 3.5%, per each company's SEC Form 11-K for plan years ended December 31, 2025 (Cummins) and October 31, 2025 (John Deere).
| Cummins | John Deere | |
|---|---|---|
| Maximum employer matchThe most the employer adds, as a share of your pay. | 3.5% of pay | 10% of pay (the larger maximum match) |
| Match formula | 100% (dollar-for-dollar) of the first 1% of pay, then 50% of the next 5% of pay | 300% of the first 2% of pay, then 100% (dollar-for-dollar) of the next 4% 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 | Not mentioned in the filing | Yes, 6% default, rises 1% a year |
| Plan year | Ended December 31, 2025 | Ended October 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
- Cummins: full 401(k) plan facts
Formula, vesting, eligibility and the verbatim filing sentences.
- John Deere: 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
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- Caterpillar vs General ElectricCaterpillar by 2 pts
The figure is the gap between the two maximum matches, in percentage points of pay.