Accuracy audit, round 1
We re-read 22 filings from scratch and compared 66 facts against what this site publishes. Nothing disagreed. This page is the whole worksheet: how the 22 were picked, how they were checked, all 22 rows side by side, the single row where a filing was read two defensible ways, and the three companies we could not check.
Scored 8 August 2026, against the 161 companies published at that date.
How the 22 were picked and checked
The 25 companies were picked by a fixed rule, not by hand, so the sample cannot be chosen after the fact to flatter the result: sort every published company alphabetically and take every sixth one.
Three fields were checked per company: the employer match formula, with its type and its numbers; the employer-match vesting type, with its schedule numbers; and the auto-enrollment status, with the default deferral rate where the filing states one.
Blind first, compare second. The checker read each filing and wrote down all three answers before opening what the site says, then compared them one by one. Every disagreement is recorded with the sentence from the filing behind it, and marked as a real error or as two defensible readings of the same text.
Of the 25, we held the filing text for 22, which is where the 66 comes from: 22 companies, three facts each. The other three are listed at the foot of this page.
What the check found
Round 1: no errors in 66 facts checked. One field-level disagreement, 1.5% of checks, was a convention choice about which of two disclosed formulas leads the record. Both formulas are preserved in the data.
| Field | Exact agreement | Defensible readings | Extraction errors | Verifier errors |
|---|---|---|---|---|
| Match formula (type and numbers) | 21/22 (95.5%) | 1 (Paychex) | 0 | 0 |
| Vesting type (and schedule numbers) | 22/22 (100%) | 0 | 0 | 0 |
| Auto-enrollment status (and default rate) | 22/22 (100%) | 0 | 0 | 0 |
| All fields | 65/66 (98.5%) | 1 | 0 | 0 |
Company by company
One row per company, three facts each. The left half of every pair is what the filing says; the right half is what this site publishes, in the vocabulary the data itself uses. Each company name links to its page, so any row can be re-checked against the filing it cites.
| Company | Text source | Employer match | Vesting of the match | Auto-enrollment | ||||||
|---|---|---|---|---|---|---|---|---|---|---|
| Filing says | Published | Verdict | Filing says | Published | Verdict | Filing says | Published | Verdict | ||
| Allstate | Batch 1 | tiered 100% of 1st 2% + 50% of next 4%, max 4% | tiered [100/2, 50/4], max 4 | Agree | cliff 2 yr | cliff 2 | Agree | yes, 6%, +1%/yr to 10%, 45-day window | present, 6, esc 1 to 10, 45 days | Agree |
| AT&T | Feasibility sample | match exists, no formula disclosed | not_disclosed / unknown | Agree | not disclosed | not_disclosed | Agree | not mentioned | not_mentioned | Agree |
| Boeing | Batch 1 | match exists, no formula disclosed | not_disclosed / unknown | Agree | immediate | immediate | Agree | yes, default % not stated | present, default null | Agree |
| CBRE Group | Batch 2 | 66-2/3% of 1st 6%, cap $6,000, max 4% | single_tier [66.67/6], max 4, cap in conditions | Agree | graded 33-1/3%/yr, 100% at 3 yr | graded 33.33/66.67/100 at 1/2/3 | Agree | yes, 3%, 45-day window | present, 3 | Agree |
| Cintas | Batch 2 | discretionary, rate set by Board yearly, no formula | discretionary_undisclosed / unknown | Agree | graded 0/20/40/60/100 at <2/2/3/4/5 yr | graded 20/40/60/100 at 2/3/4/5 | Agree | yes, 3% after 3 months | present, 3 | Agree |
| Corteva | Batch 2 | 100% up to 6%, max 6% | single_tier [100/6], max 6 | Agree | immediate | immediate | Agree | yes, 6%, +1%/yr to 15% | present, 6, esc 1 to 15 | Agree |
| Darden Restaurants | Batch 1 | discretionary quarterly 0 to 120% of 1st 6%; actuals 65/25/80/65, then 80 | partially_disclosed single_tier [null/6]; actuals + 0-120% range captured in actual_rate_for_plan_year and conditions | Agree | graded 5%/quarter from 5th quarter, 100% at 24 quarters | graded, same schedule | Agree | not mentioned | not_mentioned | Agree |
| Dow | Batch 2 | tiered 100% of 1st 4% + 50% of next 2%, max 5% | tiered [100/4, 50/2], max 5 | Agree | immediate | immediate | Agree | yes, 6%, +1%/yr to 15% | present, 6, esc 1 to 15 | Agree |
| Elevance Health | Batch 1 | tiered 100% of 1st 4% + 50% of next 2%, max 5% (PR plan) | tiered [100/4, 50/2], max 5 | Agree | cliff 2 yr | cliff 2 | Agree | yes, 6%, +1%/yr to 15% | present, 6, esc 1 to 15 | Agree |
| Fastenal | Batch 2 | discretionary, no formula | discretionary_undisclosed / unknown | Agree | immediate (100% vested when made) | immediate | Agree | yes, 5% | present, 5 | Agree |
| General Mills | Batch 2 | new hires: 100% of 1st 4% + 50% of next 4%, max 6%; legacy: 50% up to 6% | tiered [100/4, 50/4], max 6; legacy cohort in conditions | Agree | graded 20/40/60/80/100 at 1-5 yr | graded, same schedule | Agree | yes, 8%, +1%/yr to 10% | present, 8, esc 1 to 10 | Agree |
| Home Depot | Batch 1 | tiered 150% of 1st 1% + 50% of next 4%, max 3.5% (Puerto Rico plan; the mainland FutureBuilder states the same formula) | tiered [150/1, 50/4], max 3.5 | Agree | cliff 3 yr (1,000-hour years) | cliff 3 | Agree | not mentioned | not_mentioned | Agree |
| Huntington Bancshares | Batch 2 | tiered 150% of 1st 2% + 100% of next 1%, max 4% | tiered [150/2, 100/1], max 4 | Agree | cliff 2 yr | cliff 2 | Agree | yes, 4%, +1%/yr to 10% | present, 4, esc 1 to 10 | Agree |
| International Paper | Batch 2 | tiered 70% of 1st 4% + 50% of next 4%, max 4.8% | tiered [70/4, 50/4], max 4.8 | Agree | cliff 3 yr | cliff 3 | Agree | yes, 8%, +1%/yr to 10% | present, 8, esc 1 to 10 | Agree |
| Kimberly-Clark | Batch 2 | 100% of 1st 5% (Mobile union: 1st 4%), max 5% | single_tier [100/5], max 5, union exception in conditions | Agree | immediate | immediate | Agree | yes, 8% | present, 8 | Agree |
| Masco | Batch 2 | matching and/or profit sharing, vary by subsidiary, no formula | not_disclosed / unknown, vary-by-subsidiary captured | Agree | match immediate | immediate | Agree | not mentioned | not_mentioned | Agree |
| M&T Bank | Batch 2 | 100% up to 5%, max 5% | single_tier [100/5], max 5 | Agree | immediate (DEC/RAA separate, 5-yr) | immediate | Agree | yes, 1% after 6 months, +1%/yr to 10% | present, 1, esc 1 to 10 | Agree |
| O'Reilly Automotive | Batch 1 | tiered 100% of 1st 2% + 25% of next 4%, max 3% | tiered [100/2, 25/4], max 3 | Agree | graded 33/66/100 at 2/3/4 yr | graded, same schedule | Agree | yes, 2% | present, 2 | Agree |
| Paychex | Batch 2 | 2025 plan year: 100% of 1st 3% + 50% of next 2%, max 4%; effective 2026-01-01: 100% of 1st 4% | single_tier [100/4], max 4, effective_date 2026-01-01, 2025 formula in superseded_formula_note | Differs, defensible | immediate | immediate | Agree | not mentioned | not_mentioned | Agree |
| PPG Industries | Batch 2 | rate discretionary yearly, 100% in 2025 and 2024, on 1st 6%, max 6% | partially_disclosed [100/6], discretion in actual_rate_for_plan_year and conditions | Agree | immediate | immediate | Agree | yes, 4% | present, 4 | Agree |
| Regions Financial | Batch 2 | 100% up to 5%, max 5% | single_tier [100/5], max 5 | Agree | immediate | immediate | Agree | yes, 2%, +1% esc for 2-9% deferrers | present, 2, esc 1 to 10 | Agree |
| Trane Technologies | Batch 2 | 100% up to 6%, max 6% | single_tier [100/6], max 6 | Agree | immediate | immediate | Agree | yes, 4%, 35-day window | present, 4 | Agree |
The one row that differed: Paychex
The Paychex filing states two match formulas, one for the plan year reported and one taking effect after it ends.
“The Company provides a matching contribution in the amount of 100% of the first 3% and 50% on the next 2% of eligible pay that an employee contributes to the Plan for a total matching contribution of 4%. Effective January 1, 2026, the Company's matching contribution is in the amount of 100% of the first 4% of eligible pay that an employee contributes to the Plan.”
The published record leads with the post-2026 formula, 100% of the first 4%, and keeps the 2025 plan-year formula, 100% of the first 3% plus 50% of the next 2%, in the superseded-formula note, with an effective date of 1 January 2026 and a flag saying the formula changed during the year. The checker led with the plan-year formula instead.
That is the convention every record follows: the formula shown is the current one, the effective date says when it took effect, and the superseded-formula note preserves the prior one, so the company page shows both. Both formulas produce the same maximum match, 4% of pay, and every number in the filing is present in the record. Two defensible readings of the same filing, not an error. No data was changed.
The three we could not check
Three of the 25 sampled companies had no stored filing text at the time of the audit, so there was nothing to read blind, so nothing was checked for them. They are named here rather than dropped, because a sample that quietly loses its awkward members is not a sample. They are first in line for round 2.
- 1st Source no stored filing text, not scored
- Lockheed Martin no stored filing text, not scored
- Southwest Airlines no stored filing text, not scored
Where this fits
This audit measures one thing: whether the numbers published here match the filings they were read from. The pipelines that produce them, the rules they obey, and the lag built into the source documents are described on the methodology page. Found a row you read differently? Write to corrections@401kmonitor.com with the company and the filing.