Cigna changed the rules of its 401(k) match, effective January 1, 2026
Cigna changed the rules of its 401(k) match, effective January 1, 2026. New hires now wait one year for matching contributions; match eligibility used to start the day they joined. Matching contributions made after December 31, 2025 vest immediately (previously a two-year cliff), and the plan moves off a safe harbor design.
| Company | Cigna |
|---|---|
| Plan | The Cigna Group 401(k) Plan |
| Effective date | January 1, 2026 |
| Direction | Structure change |
| Source filing | Form 11-K, filed June 24, 2026, accession 0001739940-26-000051 |
Source: Form 11-K filed June 24, 2026, accession 0001739940-26-000051 · SEC ↗
What the filing says, word for word
This filing states the change across several passages rather than in one sentence, so no quote is shown. The change is recorded from the filing itself, which is linked above, and nothing here is taken from press coverage.
Where this change comes from
401(k) Monitor reads the employer match, vesting, eligibility and automatic enrollment terms out of each plan’s SEC Form 11-K annual report. A change is recorded only when the filing states it, with the effective date the filing gives.
- Cigna 401(k) match, vesting and plan facts
The full record for this employer, including the formula in force now.
- Read the Form 11-K on SEC EDGAR ↗
The filing that discloses this change, accession 0001739940-26-000051.
- All 401(k) match changes we have found
The tracker this record belongs to, newest change first.
Other tracked changes
- Thermo Fisher Scientific cut the 401(k) match for new participants, effective April 1, 2026
- Sherwin-Williams reinstated its 401(k) match, effective February 1, 2026
- Humana cut its 401(k) match, effective January 1, 2026
- PepsiCo widened 401(k) match eligibility, effective January 1, 2026
- UnitedHealth Group cut its 401(k) match, effective January 1, 2026
401(k) Monitor, “Cigna changed the rules of its 401(k) match, effective January 1, 2026”, from SEC Form 11-K accession 0001739940-26-000051 filed June 24, 2026. https://401kmonitor.com/stats/401k-match-changes/cigna-2026-01-01/