Software and IT services 401(k) plans
The median 401(k) plan in software and IT services paid $125.69 per participant per year in plan-paid administrative fees, computed from 2,819 of the 2,956 software and it services plans published here, form year 2024.
Computed from DOL EFAST2 Form 5500 bulk data, not surveys. The 57,824 plans published so far are a subset of the 57,824 large plans in the form-year-2024 data, so this median describes the published subset, not the whole industry.
$125.69
Median plan-paid administrative cost per participant per year among 2,819 software and it services plans with usable fee data, form year 2024.
$3.52 above the $122.17 median across all published plans.
How do software and it services 401(k) fees compare?
Plan size drives fees more than industry does: bigger plans pay less per head. See median fees by plan size before reading an industry gap as an industry effect.
56 of the biggest software and it services 401(k) plans
| Plan | Sponsor | Active participants | Assets | Fee ($) |
|---|---|---|---|---|
| Microsoft Corporation Savings Plus 401(k) Plan | Microsoft Corporation | 123,878 | $65.6B | 181.82 |
| Oracle Corporation 401(k) Savings And Investment Plan | Oracle Corporation | 58,808 | $31.0B | 103.59 |
| IBM 401(k) Plan | International Business Machines Corporation | 49,030 | $60.4B | 229.90 |
| Salesforce 401(k) Plan | Salesforce, Inc. | 36,537 | $9.1B | 27.82 |
| Innova Solutions, Inc. Retirement Savings Plan | Innova Solutions, Inc. | 35,700 | $348.8M | 18.74 |
| Automatic Data Processing, Inc. Retirement And Savings Plan | Automatic Data Processing, Inc. | 34,516 | $7.3B | 89.69 |
| The CACI Smart Plan | CACI International, Inc. | 23,471 | $3.9B | 35.63 |
| Fiserv 401(k) Savings Plan | Fiserv Solutions, LLC. | 22,809 | $5.1B | 36.82 |
| Conduent Savings Plan | Conduent Business Services, LLC | 20,831 | $1.0B | 16.52 |
| HCL America, Inc. 401(k) Plan | HCL America Inc. | 20,206 | $1.5B | 70.31 |
| Infosys Limited Tax Savings 401(k) Safe Harbor Plan | Infosys Limited | 19,659 | $1.1B | n/a |
| Alorica 401(k) Retirement Plan | Alorica, Inc. | 17,563 | $146.5M | 21.67 |
| Nvidia Corporation 401(k) Plan | Nvidia Corporation | 17,275 | $4.7B | n/a |
| Adobe Inc. 401(k) Retirement Savings Plan | Adobe Inc. | 15,199 | $5.0B | 34.62 |
| Hewlett Packard Enterprise 401(k) Plan | Hewlett Packard Enterprise | 14,550 | $8.8B | 54.65 |
| Epic Systems Corporation 401(k) Plan | Epic Systems Corporation | 13,997 | $2.9B | 12.35 |
| Servicenow, Inc. 401(k) Plan | Servicenow, Inc. | 13,322 | $2.0B | 43.71 |
| Workday, Inc. 401(k) Plan | Workday, Inc. | 12,750 | $2.6B | 89.31 |
| Constellation Software (U.S.A.) Inc. Retirement Savings Plan | Csi USA Inc. | 12,475 | $1.6B | 121.37 |
| Gainwell Technologies 401(k) Plan | Gainwell Acquisition Corp. | 11,437 | $691.3M | 71.43 |
| SS&C Technologies, Inc. 401(k) Retirement Savings Plan | SS&C Technologies, Inc. | 11,166 | $1.8B | 32.77 |
| Wipro Limited 401(k) Plan | Wipro Limited | 11,079 | $831.2M | 53.73 |
| Uber Technologies, Inc. 401(k) Plan | Uber Technologies, Inc. | 10,277 | $1.4B | 18.66 |
| Infosys Limited Tax Saving 401(k) Profit Sharing Plan | Infosys Limited | 9,771 | $105.9M | n/a |
| Dxc Technology Matched Asset Plan | Dxc Technology Company | 9,164 | $2.6B | 37.62 |
| Paypal 401(k) Savings Plan | Paypal Holdings, Inc. | 9,046 | $2.2B | 46.48 |
| Ukg Retirement Savings Plan | Ukg Inc. | 8,828 | $2.0B | 92.50 |
| Palo Alto Networks, Inc. 401(k) Plan | Palo Alto Networks, Inc. | 8,804 | $1.3B | 13.78 |
| Block 401(k) Plan | Block, Inc. | 8,800 | $1.2B | 21.41 |
| Tech Mahindra Americas 401(k) Plan | Tech Mahindra (Americas) Inc. | 7,872 | $136.8M | 46.40 |
| Red Hat, Inc. 401(k) And Profit Sharing Plan | Red Hat, Inc. | 7,529 | $1.9B | n/a |
| Jack Henry & Associates, Inc. 401(k) Retirement Savings Plan | Jack Henry & Associates Inc. | 7,243 | $1.4B | 62.85 |
| Tyler Technologies, Inc. 401(k) Profit Sharing Plan & Trust | Tyler Technologies, Inc. | 7,135 | $1.2B | 67.79 |
| Indeed, Inc. 401(k) Profit-Sharing Plan Trust | Indeed, Inc. | 6,555 | $1.1B | 37.49 |
| Ltimindtree Ltd 401(k) Plan | Ltimindtree Ltd | 6,335 | $207.1M | 127.63 |
| Sas Retirement Plan | Sas Institute Inc. | 6,265 | $3.7B | n/a |
| Dassault Systemes Employee Savings Plan Plus | Dassault Systemes Americas Corp. | 6,193 | $2.1B | 109.88 |
| Disys 401(k) Plan | Digital Intelligence Systems, LLC | 5,809 | $135.8M | 47.24 |
| Capgemini Financial Services USA, Inc. 401(k) Retirement Plan | Capgemini America, Inc. | 5,757 | $519.6M | 27.98 |
| Kyndryl 401(k) Plan | Kyndryl, Inc. | 5,741 | $764.4M | 12.21 |
| Consilio 401(k) Plan | Consilio, LLC | 5,572 | $276.0M | n/a |
| Shi International Corp 401(k) Savings Plan | Shi International Corp | 5,552 | $850.2M | 74.48 |
| The Reynolds And Reynolds Company 401(k) Savings Plan | Dealer Computer Services, Inc. | 5,468 | $868.0M | 108.88 |
| Take-Two Interactive Software, Inc. 401(k) Plan | Take-Two Interactive Software, Inc. | 5,300 | $848.2M | 43.55 |
| Stripe, Inc. 401(k) Plan | Stripe, Inc. | 5,154 | $718.1M | 33.46 |
| Environmental Systems Research Institute, Inc. 401(k) Investment And Profit Sharing Plan | Environmental Systems Research Institute, Inc. | 5,110 | $2.1B | 112.33 |
| Wex Inc. Employee Savings Plan | Wex Inc. | 5,083 | $521.7M | 42.31 |
| Atlassian 401(k) Plan | Atlassian US, Inc. | 5,032 | $750.2M | 17.17 |
| Electronic Arts Inc. 401(k) Plan | Electronic Arts Inc. | 4,870 | $1.3B | 31.83 |
| Yardi Systems, Inc. 401(k) Profit Sharing Plan | Yardi Systems, Inc. | 4,805 | $780.5M | 21.28 |
| Toast, Inc. 401(k) Plan | Toast, Inc. | 4,799 | $323.2M | 67.62 |
| Snowflake Inc. 401(k) Plan | Snowflake Inc. | 4,771 | $529.4M | 35.07 |
| Pride Capital Partners, LLC 401(k) Plan | Pride Capital Partners, LLC | 4,743 | $40.9M | 59.40 |
| Trimble Inc. Savings And Retirement Plan | Trimble Inc. | 4,729 | $1.1B | 92.30 |
| Databricks, Inc. 401(k) Plan & Trust | Databricks, Inc. | 4,704 | $418.9M | 76.41 |
| Open Text, Inc. 401(k) Plan | Open Text, Inc. | 4,635 | $1.9B | 83.23 |
All 2,956 software and it services plans on file are listed below by size, and every one of them is searchable from the home page.
Every Software and IT services plan, by size
The table above is the top of the list. These 14 pages hold all 2,956 plans on file in software and it services, split by how many people are in them, each ranked by active participants.
- 100 to 499 participants · 2,134 plans
- 500 to 999 participants · 431 plans
- 1,000 to 4,999 participants · 319 plans
- 5,000 or more participants · 72 plans
Which software and it services companies disclose their 401(k) match?
For these 3 employers we also read the SEC Form 11-K and extracted the match terms, matched to this industry by the plan’s EIN.
- Hewlett Packard Enterprise Company
100% (dollar-for-dollar) of the first 4% of pay
- Microsoft Corporation
50% of contributions (matched-pay ceiling not stated in the filing)
- Oracle Corporation
50% of the first 6% of pay
Which employers count as software and it services here?
Software publishers (code 511210), data processing and hosting (518210), and computer systems design services (541511 to 541519). Sponsors here include Adobe, Oracle and IBM.
The code is the IRS principal business activity code the sponsor itself puts on Form 5500, line 2d. Medians count only plans whose Schedule H shows a positive plan-paid administrative expense (2,819 of 2,956 plans here). Plan-paid expenses exclude fund expense ratios and employer-paid bills, so every figure is a floor, not the all-in cost. Latest filing in this group received by the DOL July 22, 2026; source dataset last refreshed July 28, 2026. Full methodology
Cite this page
401(k) Monitor, “Software and IT services 401(k) plans: median plan-paid administrative cost per participant”, computed from DOL EFAST2 Form 5500 bulk data, form year 2024.