Home Depot vs Macy's 401(k) match: 3.5% vs 3.5%
3.5% each
No winner on the headline number: both plans top out at 3.5% 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, Home Depot or Macy's?
Home Depot and Macy's disclose the same maximum 401(k) match, 3.5% of pay, in their SEC Form 11-K filings for the plan year ended December 31, 2025.
| Home Depot | Macy's | |
|---|---|---|
| Maximum employer matchThe most the employer adds, as a share of your pay. | 3.5% of pay | 3.5% of pay |
| Match formula | 150% of the first 1% of pay, then 50% of the next 4% of pay | 100% (dollar-for-dollar) of the first 1% of pay, then 50% of the next 5% of pay |
| Contribute to collect it allWhat you must put in to earn the full match. | 5% of pay | 6% of pay |
| Vesting of the match | Cliff: 100% vested after 3 years of service | Cliff: 100% vested after 2 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
- Home Depot: full 401(k) plan facts
Formula, vesting, eligibility and the verbatim filing sentences.
- Macy's: 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 Home DepotBest Buy by 0.5 pts
- Home Depot vs O'Reilly AutomotiveHome Depot by 0.5 pts
- Home Depot vs Lowe'sLowe's by 0.75 pts
- Home Depot vs WalmartWalmart by 2.5 pts
- Home Depot vs KrogerKroger by 1.5 pts
The figure is the gap between the two maximum matches, in percentage points of pay.