JPMorgan Chase raised its 401(k) automatic enrollment default, effective January 1, 2025

“Newly eligible and rehired employees are automatically enrolled in the Plan at a 5% before-tax contribution rate on ongoing compensation (base salary/regular pay and any non-annual cash incentive compensation) unless they otherwise enroll themselves or opt out of the Plan within their first 31 days of eligibility (3% rate prior to January 1, 2025). Further, unless the employees elect a different rate, for employees who are automatically enrolled, their contribution rate is automatically increased annually by 1% until they reach a before-tax contribution rate of 10%.”

Quoted verbatim from the filing linked above. Spelling and punctuation are the filing’s own.

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.

• JPMorgan Chase 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 0001628280-26-045709.

• All 401(k) match changes we have found

  The tracker this record belongs to, newest change first.

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• Sherwin-Williams reinstated its 401(k) match, effective February 1, 2026
• Cigna changed the rules of its 401(k) match, effective January 1, 2026
• Humana cut its 401(k) match, effective January 1, 2026
• PepsiCo widened 401(k) match eligibility, effective January 1, 2026