Financial advisors call it “free money.” I’m not sure I’d go quite that far, but it’s a helpful way to think about the amount your employer will contribute to your 401K plan.
Here’s an example. If you make $100,000 and choose to contribute 3% of your salary to your company-sponsored 401K plan, you’ll personally put in $3,000. If your employer matches up to 3% (or 100% of your contributions up to 3%), they will also put in $3,000. In that sense, it’s free money so long as you contribute yourself.
Depending on your personal goals, an employer’s retirement program could be a big part of your decision to work for a company. If that’s the case, my friend, this is the best list to start your job search.
We compiled the best 401k match companies. We set the minimum at 3%, but some of the companies with highest 401K matches go up to 100%.
The Companies With The Best 401k Match Plans
Here are 125 well-known companies with the best and highest 401K programs. Next to each company, you’ll see a link to find jobs at that organization. I’ll update the list once per month to find and surface missing companies. companies with best 401k match
Company | Maximum Match | Jobs | Quote |
 3M | 8.00% | "You are eligible to receive a match of 100% of the first 5% of eligible compensation you contribute. 3M will also contribute an additional 3% to your account in addition to the matching contribution."
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 ABB Optical Group | 3.50% | "Company matching contributions: ABB OPTICAL GROUP provides a Safe Harbor match of 100% on the first 1% of your pay that you contribute to the plan per pay period, and 50% on the next 5%. Your contributions are matched whether you contributions are pre-tax or Roth." | |
 Accenture | 6.00% | "Employees can immediately contribute and, after meeting eligibility requirements, receive the $1 for $1 match up to 6% of contributions." | |
 Adobe | 3.00% | "For each $1 you add as pretax or Roth after-tax contributions to your 401(k), Adobe will contribute 50 cents, up to 6% of your eligible pay, each pay period. If you contribute more than 6% of your pay, Adobe matches 3% of your annual compensation, up to the IRS-eligible annual compensation maximum of $305,000." | |
 AECOM | 3.00% | "AECOM makes an annual matching contribution of 50% of the first 6% of eligible compensation you contribute on a pre-tax and/or Roth 401(k) basis, up to IRS and plan limits. Annual company matching contributions are subject to a three-year graded vesting schedule." | |
 Agilent Technologies | 6.00% | "Match rate, 100% on the first 6% of salary deferrals ; % receiving full match, >90% ; Maximum employer contribution, >11%." | |
 Amazon | 4.00% | "For every $1 of employee contribution you make (up to 4% of your eligible pay), Amazon will contribute $0.50 to your account in the form of matching contributions. You can get up to a 2% match. Note: Catch-up contributions are not matched." | |
 American Airlines | 5.50% | "Your American Airlines 401(k) plan generally provides 100% matching company contributions on your pretax and/or Roth 401(k) contributions up to 5.5% of eligible compensation. So every dollar that you contribute* up to 5.5% gets matched by American dollar for dollar." | |
 Apple | 6.00% | "Apple matched based on years of service: <2 years = 50%, 2-5 years = 75%, and >5 years = 100% of a participant's contributions up to 6%." | |
 Applied Materials | 3.00% | "Applied matches 100% of participant salary deferral and/or Roth deferral contributions (collectively, 401(k) contributions) up to the first 3% of eligible person." | |
 AT&T Inc. | 6.00% | "Your 401(k) can grow significantly over time. How much should you save? At least make the full Basic contribution to maximize the employer match. After one year with the company, AT&T matches 80% of your Basic contribution. For managers, your Basic contribution is the first 6% of your salary. For most non-managers, it's a dollar amount based on your banded pay." | |
 Autodesk | $4,500 | "Autodesk matches 75% for every dollar you contribute, up to $6,000 for a company match of up to $4,500 in 2022." | |
 AXA | 5.00% | "The Company will match 200% of your pre-tax and/or Roth 401(k) contributions combined, up to 5% of your eligible compensation. The Company match is invested in the same investment elections as your contributions." | |
 Bain & Company | 4.50% | "Participants can contribute up to 25% of their compensation in a pre-tax savings plan. Bain makes a contribution to the Plan for each employee, which is based on tenure and begins at 4.5% of compensation." | |
 Bayer | 3.00% | "If you have an annual salary of $100,000 and contribute 6%, your contribution will be $6,000 and your employer's 50% match will be $3,000 ($6,000 x 50%), for a total of $9,000. If you only contribute 3%, your contribution will be $3,000 and your employer's 50% match will be $1,500, for a total of $4,500." | |
 Best Buy | 4% | "100% matching up to 3% of your salary, then 50% up to 5% of your salary. No matching at all. No 401(k) for part-timers. Employer matching only after one year" | |
 Biogen | 6% | "The matching contribution feature of the Savings Plan provides participants with a 200% Company match for each dollar contributed up to the first 3% of 401(k)-eligible pay, with a maximum match of 6% of eligible pay." | |
 BlackRock | $5,000 | "BlackRock Match Rate 50% of the first 8% of pay, up to $5,000 per plan year" | |
 Blizzard Entertainment | 25.00% | "Activision Blizzard helps your retirement savings grow by matching your contributions. For newly hired employees, the company intends to match up to 25% of the compensation that the eligible employees contribute as elective deferrals (including catchup contributions), up to the maximum elective deferral permitted by Internal Revenue Code Section 402(g) ($19,500 for 2020) and age 50 catch-up contribution limit ($6,500 for 2020). You are 100% vested in the company match. " | |
 Boeing | 8.00% | "Boeing provides a 75 percent match on the first 8 percent of base pay that most nonunion employees save in their VIP accounts, in addition to age-based company contributions. New hires are automatically enrolled in the VIP at 4 percent of base pay. Unless they make a change or opt out, this rate automatically increases by 1 percent each April until they are saving 8 percent of base pay and receiving the full Boeing match." | |
 Bonterra | 3.00% | "Social Solutions' 401(K) retirement plan matches 50% of an employee's contributions up to 3% of their annual base salary." | |
 Bosch USA | 9.00% | "Bosch also matches 401k contributions at a slightly higher rate than similarly situated automotive suppliers. 75% company match on 401K up to 9% and now 5 weeks vacation. The health insurance isn't the greatest, but the dental and vision insurance is excellent. Salary is competitive; benefits are great" | |
 Bullhorn | 3% | "Bullhorn will match 50% of employee contributions to their 401k plans up to 6% of all eligible earnings." | |
 Capital One | 3.00% | "Capital One will match 100% of the first 3% of Annual Benefits Salary that you contribute, plus 50% of the next 3% of Annual Benefits Salary that you contribute, for a total company matching contribution of 4.5% on 6% of Annual Benefits Salary." | |
 Cardinal Health | 3.00% | "401(k) plan to increase employer contributions, the company disclosed in its 11-K filing with the SEC on Thursday. The health-care company will now match 200% of participant contributions up to 1% of pay, 100% between 1% and 2%, and 50% of contributions between 2% and 5%." | |
 Charles Schwab | 5.00% | "Schwab will make a $250 contribution when you first contribute, plus $1 for every $1 you contribute up to 5% of your eligible earnings each pay period. You are immediately 100% vested in Schwab's company matching contributions" | |
 Cisco | 4.50% | "Employees benefit from Cisco's 100% match on their contributions up to 4.5% of the employee's salary. The matching contributions apply to both pre-tax and post-tax 401(k) accounts. Employees are 100% vested in their own contributions and the matched contributions at all times." | |
 Citrix | 3.00% | "401k 50% match on the first 6% of base salary`; Employee Stock Purchase Program (ESPP) Allows contributions up to % of base salary.15% discount on purchase price of stock" | |
 CNBC | 3.00% | "Vesting schedules the length of time you must be at an employer for its contributions to be 100% yours can be up to six years." | |
 Cognizant | 3.00% | "50% match on the first 6% of base salary" | |
 Comcast | 6.00% | "Save for your future with our 401(k). We offer automatic enrollment along with dollar-for-dollar matching, up to the first 6% of your eligible pay contributed." | |
 Computerworld | 6.00% | "This includes an attractive 401(k) plan that features up to a 100% match when an employee contributes up to 6% of his salary to the plan. The company has made 100% matches for the past three years, based on company financial performance" | |
 Convention Data Services | 3.00% | "We match 50% of an employee's contributions up to 6%; we also have a profit sharing program." | |
 Corteva Agriscience | 6.00% | "The Company makes a matching contribution equal to 100% of a participant's contribution, up to 6% of eligible compensation. | |
 Cummins Inc | 3.50% | "The Company matches participant contributions at 100% of the first 1% of participant's wages contributed plus 50% of the next 5% contributed." | |
 CVS Health | 5.00% | "The company offers a 401(k) plan that matches 100% of the first 5% of an employee's contribution toward their retirement savings as well as a sizeable company contribution at each pay period to a Health Savings Account to offset out-of-pocket healthcare expenses." | |
 Dollar General | 25.00% | "The Dollar General 401(k) Savings and Retirement Plan can help you realize your dreams of retirement. Here is how: Contribute up to 25% of your pre-tax income (up to the IRS annual limit) Generous company match with immediate vesting." | |
 Dow | 5.00% | "401K plans will include an increase in the company match to 100% of the first 4% of eligible pay that an employee contributes to their savings plan and 50% match on the next 2%. In other words, when an employee contributes 6% to the plan, Dow will contribute 5% which is an increase in Dow's match contribution for most employees." | |
 Drizly | 3.00% | "Drizly matches 50% of employee contributions up to 6% of annual salary." | |
 Dropbox | $6,000 | "100% match on employee's contribution up to $6000" | |
 eBay | 4.00% | "eBay Inc Designate some or all of your contributions as Roth 401(k) 100% Company match up to a maximum of 4% of your compensation 100% immediate vesting on all contributions including company match" | |
 Expedia Group | 3.00% | "Expedia makes matching contributions in an amount equal to 50% of the first 6% of pre-tax compensation deferred by participants." | |
 Experian | $3,375 | "With a partial match, your employer matches 50% of your contributions up to 4.5% of your $50,000 pretax salary. You would still have to contribute $2,250 to get the full match, but your employer would have contributed half the amount ($1,125), for a total of $3,375 at the end of the year." | |
 EY | 4.50% | "EY employees who have completed one year of service get a 25% match on the first 6% contributed to their 401(k) plan. Employees who have completed four years of service get a 50% match on the first 6% of their eligible pay contributed to the 401(k) plan." | |
 Fidelity Investments | 7.00% | "Fidelity provides a 100% match for up to 7% of a worker's salary and typically makes annual profit-sharing contributions as well, according to court documents." | |
 FIS | 6.00% | "Employees can contribute from 1 to 40 percent of eligible compensation to the FIS 401(k) plan. For every $1 you contribute, (up to 6 percent of your eligible compensation), FIS will contribute an additional $0.50 in company match." | |
 freeCodeCamp | 5.00% | "I have decided to take an offer at Schwab with a base salary of 88500, a 100% match of 5% of your salary into your 401K, and an average yearly bonus of 5K, as well as a healthy contribution to health insurance, etc." | |
 General Electric | 4.00% | "Company Matching Contributions The Company will match 50% of your own contributions up to the first 8% of eligible pay you save (excluding any catch-up contributions)" | |
 Gilead Sciences | $10,000 | "Increased 401(k) Matching In 2016, Gilead expanded its employee 401(k) retirement contribution to match 100 percent of employee contributions up to $10,000 per participant per year. Gilead's matching contributions vest immediately." | |
 GitHub | $10,250 | "For full-time employees in the United States, we offer competitive 401k planning with a 50% company match up to the IRS 402(g) annual limit." | |
 GlobalLogic | 4.00% | 401k. GlobalLogic matchesc of the first 4% contributed by an employee. Company Match Pre-tax 401(k) deferral is $19,500 for 2020." | |
 Goldman Sachs | 4.00% | "The Firm will make a Matching Contribution in an amount equal to 100% of your aggregate 401(k) Contributions for such Plan Year, up to 4% of your Safe Harbor Compensation (defined below). You must contribute to the Plan while eligible in order to receive a Matching Contribution. For 2019, the maximum Matching Contribution available under the Plan is $11,200 based on 4% of Safe Harbor Compensation (capped in 2019 by law at $280,000)." | |
 Hewlett Packard Enterprise | 3.00% | "The annual employer matching contributions in the HPE 401(k) Plan were 50% of an employee's contributions, up to a maximum of 6% of eligible compensation." | |
 Hitachi Vantara | 4-6% | "Hitachi Vantara gives you free money! And you're 100% vested immediately in your matching contribution. We match based on your years of service: First year of service: 100% of up to 4% of eligible pay Second year of service: 100% of up to 5% of eligible pay Third year of service and beyond: 100% of up to 6% of eligible pay" | |
 Hospital Corporation of America | 9.00% | "HCA Healthcare offers a 100% match on your 401(k) contributions, up to 9% of pay based on years of service. * You may contribute from 1% to 50% of your before-tax pay through payroll deductions, up to the IRS maximum." | |
 HP | 4.00% | "If you are an eligible HP employee making pre-tax and/or after-tax Roth 401(k) contributions, HP provides an annual matching contribution equal to 100% of the first 4% of eligible pay you contribute to your account each pay period during the year." | |
 Humana | 7.50% | "401(k) retirement savings plan (125% match for the first 6% contributed by associate)" | |
 Informatica | $6,000 | "To support your retirement saving efforts, Informatica matches 50 cents for every dollar you contribute, up to $6,000. There are multiple investment options including target date funds. Informatica's matching contributions are made pre-tax no matter which contribution type you select." | |
 IntelyCare | 4.00% | "Through Empower, we provide a 401k matching program covering 100% contribution matching up to 3%, and 50% matching up to 5%." | |
 Jabil | 4.00% | "Jabil gives you free money to help you invest for the future by matching up to 4% of what you contribute to the 401(k) Retirement Plan: 100% of the first 3% of eligible compensation you contribute and 50% of the next 2%." | |
 Johns Hopkins Medicine | 4.00% | "JHHSC/JHH will make an integrated contribution equal to 4% of your earnings plus an extra 1% of your earnings in excess of the Social Security Taxable Wage Base. In addition, they will make a matching contribution up to 50% of the first 4% you contribute to the 403(b) plan." | |
 Kiewit | 6.00% | "Eligible employees receive 100 percent match of their contributions up to 6 percent of their weekly base pay. Based on company performance, we also have the discretion to make an additional bonus contribution of up to 4 percent of an employee's base pay annually." | |
 KLA | $4,000 | "In addition, the Company has an employee savings plan that qualifies as a deferred salary arrangement under Section 401(k) of the Internal Revenue Code. Since April 1, 2011, the employer match amount was 50% of the first $8,000 of an eligible employee's contribution (i.e., a maximum of $4,000) during each fiscal year." | |
 Klaviyo | 4.00% | "Klaviyo's 401(k) retirement plan matches 100% of an employee's contributions up to 4% of their annual base salary, with immediate vesting for matched contributions." | |
 KPMG | 8.00% | "KPMG will automatically contribute an amount equal to 6% to 8% of employees’ W-2 pay to their 401(k) plans, depending on tenure. Employees may contribute only if they want to. Most employers require employees to make a contribution to a 401(k) before making a matching contribution." | |
 Kroger | 3.50% | "For each pay period in which you are an eligible participant and make a Salary Redirection Contribution (as defined in the Plan) to the Plan, a Company Matching Contribution (as defined in the Plan) will be made to your Plan account, as follows: x 100% Company match for the first 3% of pay you contribute to the Plan, plus x 50% Company match for the next 2% of pay you contribute to the Plan." | |
 Lam Research | 3.00% | "Your Pre-tax and Roth contributions are eligible for matching contributions from Lam Research. The Company will match 50% of your Pre-tax and/or Roth deferrals on the first 6% of eligible pay that you contribute to the 401(k) Plan. There is no Company match on Catch-up contributions or After-tax contributions." | |
 Lockheed Martin | 4.00% | "Lockheed Martin will continue to match up to 50 percent of the first 8 percent of your contributions to the 401(k) Plan." | |
 Macy's | 3.50% | "When you contribute 6% of your pay, you will receive a 100% match on the first 1% of your contribution, and a 50% match on the next 5%, which equals a 3.5% of pay company match. The sooner you start, the more you may benefit! Invest in your future" | |
 Marqeta | 3.00% | "We invest in your future. We'll match 50% of your contribution and up to 6% of your salary." | |
 Marriott International | 4.00% | "401(k) Retirement Plan - eligible employees receive 100% match on their first 3% of contributions and 50% on the next 2% with immediate vesting on matching contributions" | |
 Marsh | 3.00% | "Once you have completed one year of vesting service Marsh & McLennan Companies1 will contribute a company matching contribution each pay period of 50% on the first 6% of your eligible base pay that you contribute." | |
 Marsh McLennan | 3.00% | "Once you have completed one year of vesting service Marsh & McLennan Companies1 will contribute a company matching contribution each pay period of 50% on the first 6% of your eligible base pay that you contribute." | |
 Mattel, Inc. | 3.00% | "Employees may choose to have contributions withheld on a pre- tax, Roth or after-tax basis. Company Match Mattel matches 50% on the first 6% contributed." | |
 Meta (Facebook) | $10,250 | "Starting on January 1, 2022, Meta will match $1 for $1 of your 401(k) contribution up to 50% of the IRS Federal limit. This is an increase from a prior match of 50% of your regular 401(k) contributions up to 7% of pay." | |
 MetLife | 4.00% | "Your 401(k) account will receive Company Matching Contributions equal to 100% of the first 3% of your eligible pay you contribute, plus 50% of the next 2% you contribute, for each pay period in which you make at least the minimum 3% employee contribution." | |
 Michael Page | 4.00% | "401k (match is up to a maximum of 4% base salary - 100% for the first 3%, 50% for the next 2%) Comprehensive health benefits (medical, dental, vision and life) Flexible spending plan (including medical and dependent care)" | |
 Microsoft | 50.00% | "Whatever your retirement plans are, save for them with our 401(k) plan, which offers a $0.50 match for every pre-tax or Roth dollar saved, up to the IRS basic deferral limit. Your contribution as well as the Microsoft match are 100 percent vested from day one." | |
 Nasdaq | 50-100% | "The bliss of having a 401(k) match. Your employer contributes money to your account, matching what you save from your own paycheck pre-tax, usually matching between 50% and 100% of the amount the employee contributes themselves." | |
 NBCUniversal | 3.50% | "NBCUniversal provides a 100% vested match on your contributions, up to 3.5% of your eligible compensation (subject to the IRS maximum compensation limit)." | |
 NetApp | 4.00% | "Company match of 100% on the first 2% of pay you contribute, then 50% on the next 4% of pay you contribute (up to a maximum of $6,000 per calendar year). Immediate vesting on NetApp's matching" | |
 Netflix | 4.00% | "Netflix has one of the best 401k plans out there. They offer dollar-for-dollar (100%) matching on up to 4% of your salary, no vesting or years of service needed. The high maximum contribution percentage, no wait time, and dollar-for-dollar match makes Netflix our top choice out of FAANG 401k plans." | |
 New York Life Insurance Company | 4.00% | "New York Life matches 100% of the first 3% of benefits salary you save in the plan, and 50% on the next 2%. So, by saving at least 5% of your benefits salary, you will receive an automatic company contribution of an additional 4%." | |
 Northrop Grumman | 6.00% | "Our 401(k) plan allows employees to make pre-tax, Roth 401(k) and after-tax contributions. There are also Company-matching contributions equal to: 100% of the first 4% of pre-tax, Roth 401(k) and after-tax contributions 50% of the next 4% of employee contributions" | |
 Notarize | 4.00% | "Vestmark provides employees with a traditional 401(k) and ROTH 401(k) matching plan. We match 50% of contributions up to 8% of our employee's annual gross pay." (source) | |
 NVIDIA | $9,000 | "If you participate in the NVIDIA 401(k) plan using pre-tax or Roth contributions, NVIDIA will match your contributions up to this year's annual limit of $9,000.-We'll match dollar-for-dollar every pay period, up to $6,000. Then we'll match fifty cents for each dollar for the next $6,000." | |
 Oracle | 3.00% | "Employees can choose to place their money in a pre-tax contribution account or a post-tax contribution account. Oracle will match 50 percent of an employee's first 6 percent of contributions if they use a pre-tax account. " | |
 Parexel | 4.50% | "Receive a discretionary company match of 100% of the first 3% of your contributions and 50% of the next 3% to a maximum match of 4.5% in those pay periods in which you contribute. You are 100% vested in Parexel's matching contribution after completing 3 years of service." | |
 PayPal | 4.00% | ||
 PepsiCo | 4.00% | "The company matches 50% of employee contributions up to 8% of eligible pay based on years of service. The matching Company contribution is invested in accordance with the investment elections of the employee." | |
 PNC | 4.00% | "PNC will match your investment 100% up to 4% of your income. This can be used to either your 401K and/or Roth 401K. PNC also invests into a pension plan for you." | |
 Prudential Financial | 3.00% | "Does your employer match some or all of the amount you stash in your 401(k)? For instance, one common practice is to match 50% of the first 6% of pay you contribute.." | |
 REI | 5.00% | "REI contributes 5% of earnings for every eligible employee, regardless of whether he or she is signed up to save a portion of their income. REI makes an additional contribution of up to 10% more, based on company profitability. You won’t find anything like it in retail." | |
 Roblox | 4.00% | "we made matching contributions into the 401(k) plan of 100% of the first 3% and 50% of the next 2% of compensation contributed by the participant with a true-up at the end of the year such that if the participant contributes 5% of his or her compensation, we will match 4%. Our matching contributions are 100% vested at the time of the match" | |
 SAIC | 4.00% | "Full time employees are eligible for an employer match at 50% up to 8% of eligible compensation. In order to receive the maximum 4% employer match, you must contribute 8%." | |
 Salesforce | 6.00% | "Salesforce makes matching contributions in an amount equal to 100% of the first 6% of pre-tax compensation deferred by participants (up to max of $5,000 per year)." | |
 Samsung Electronics | 4.50% | "Our retirement plan, managed by Fidelity Investments, offers a generous company match with immediate vesting for both Traditional and Roth 401k plans. We will match 100% of the first 3% and then 50% of the next 3% of employee contributions (for a maximum match of 4.5%) per pay period for either the Traditional or Roth plan. All regular, full-time and part-time employees (with 30+ scheduled hours) are eligible for this benefit." | |
 Splunk | 3.00% | "Well, that's exactly what Splunk does with your 401(k). We match 50% of your pretax and/or Roth 401(k) contributions, on the first 6% of your eligible salary contributed to the plan." | |
 Starbucks | 5.00% | "When you save through the Future Roast 401(k) Savings Plan, Starbucks will match 100% of the first 5% of eligible pay* you contribute each pay period (regardless of whether the contribution is 401(k) pre-tax, Roth after-tax or a combination of both). The Starbucks Match is determined on a payperiod-by-payperiod basis." | |
 State Street | 5.00% | "State Street contributes an amount equal to 100% of your 401(k) pre-tax contributions and Roth post-tax contributions, up to 5% of your Eligible Pay that you contribute each pay period (6% of your Eligible Pay prior to April 1, 2012), which makes your savings grow even faster." | |
 Stryker | 4.00% | "To support your retirement saving efforts, we match 50% of the first 8% of your eligible pay that you contribute. Eligible pay generally includes your salary, commissions and bonuses." | |
 Synechron | 3.80% | "Employees are encouraged to invest up to 5% in 401(k) by a superb SYNECHRON has Matching program that matches 75% of employees' contributions. Whatever SYNECHRON contributes, it becomes 100% vested after a 2-year period after which the employees can keep even if they leave SYNECHRON." | |
 TED Conferences | 4.00% | "401k Plan We offer a 401k plan through Fidelity. You are auto enrolled at 3 months of employment at 5% in order to get the full employer match. We match 100% of the first 3% and 50% of the next 2% of your salary." | |
 The Coca-Cola Company | 3.50% | "The Company matches participant contributions equal to 100% of the first 1% of compensation and 50% of the next 5% of compensation, for a maximum Company match of 3.5% of compensation. All Company contributions are initially invested in common stock of The Coca-Cola Company. All contributions are invested as directed by participants." | |
 The Hershey Company | 3.00% | "They will also be eligible for the company's enhanced 401(k) match, as will current nonunion employees. Currently, Hershey provides a 60 percent match on up to 5 percent of an employee's sal- ary" | |
 Thermo Fisher Scientific | 6.00% | "We offer retirement and savings programs, for example our competitive 401(k) U.S. retirement savings plan that includes generous company-matching contributions of 100% of your contributions up to 6%." | |
 Thoughtworks | $4,500 | "100% match on employee's contribution up to $4500;" | |
 Toyota Motor Corporation | 4.00% | "Employees can set aside pre-tax money in our 401k plan after a year of employment with us. The company matches 100% of the first 3% you set aside plus an additional 50% match on the next 2%. Employees are fully vested in the company match right away!" | |
 Turner Construction Company | 50-100% | "The plan offers a number of benefits, including tax-deferred savings, a Roth 401(k) contribution option, a 50% - 100% company matching contribution." | |
 Tyson Foods | 4.00% | "Once you've completed a year of service with the company, Tyson will contribute to your retirement savings in the 401(k) Plan with a match equal to 100% of the first 3% of eligible pay you contribute, plus 50% of the next 2 percent of eligible pay you contribute." | |
 Uber | 100.00% | "Planning for life after work can be a costly expense. As such, Uber employee benefits include a 401(k) plan. The company matches 100% of its employees' contribution, providing relief in matters of the future to the person in question." | |
 Ulta Beauty | 4.00% | "Ulta offers every permanent (non-seasonal) employee a 100% match if you put in 3% of your pay, and 50% for the next 2%. So if you contribute 5% of your pay, Ulta will add in 4% of their own money to your 401k account, it's literally free money. You're also 100% vested which means if you leave the company, you get to keep all of the money no matter if it's been a month or a year since you started." | |
 Under Armour | 4.00% | "For the first 1-3% of pay contributed, Under Armour matches 100%. For the next 2% of pay contributed (total of 4-5% of pay), Under Armour matches 50%." | |
 United Airlines | 3.00% | "Additionally, United contributes an employer matching contribution amount equal to 100% of a participant's 401(k) contributions up to 3% of the participant's earnings. Profit sharing: United has an annual profit sharing award for eligible employees." | |
 United Technologies | 3.60% | "The company matches 60% of the first 6% of employee contributions, which works out to 3.6% for eligible employees who contribute 6% or more to their retirement savings plan. In addition to matching contributions, UTC offers automatic contributions for most employees based on their age." | |
 University of Southern California | 4% | "Your retirement account is managed by Fidelity Investments. USC will match 100% of your before-tax or Roth contributions up to a maximum of 4% of your eligible earnings on a paycheck by paycheck basis. Your contributions begin with the pay period following enrollment." | |
 Upwork | $5,000 | "Upwork matches 50% of every dollar contributed by employees into their 401(k) up to $5,000 per year. Employers match is fully vested after 1 year of service." | |
 USAA | 8.00% | "USAA offers employees a competitive retirement savings plan as an easy way to save for their future. USAA matches each pre-tax and/or Roth contribution with $2 for every $1 contributed, up to 4% of eligible earnings each paycheck. In other words, if you put in 4%, USAA puts in 8%." | |
 Vans | 6.00% | "Plan for your future by participating. For the first 6% of your salary that you contribute to the retirement plan, Vans will match 100% of the amount. (Some limitations may apply based on IRS regulations.)" | |
 VF Corporation | 6.00% | "The Company matches 100% on the first 6% of eligible compensation that a participant contributes to the Plan." | |
 Viacom | 5.00% | "The employer matching contribution is equal to 100% of the first 1% and 80% of the next 5% of eligible compensation contributed and employer matching contributions are invested according to the participant's investment elections. Catch-up contributions are not treated as matchable contributions except when required by law. A match true-up contribution may be made at the end of the Plan year to ensure participants receive the full Company match." | |
 Visa | 10.00% | "Visa will increase its 401(k) match to 200% of an employee's salary up to 5% of pay. Currently, Visa offers a match of 200% of an employee's salary up to 3% of an employee's salary." | |
 VMware | 6.00% | "VMware provides a dollar-for-dollar match up to 6% of your eligible compensation. The quarterly maximum for the match is $2,250, up to $9,000 annually."
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 Walgreens | 4.00% | "Company Match: You are generally eligible for company-matching contributions after one year plus 1,000 hours of service. The company matches the first 4% of your eligible contributions $1 for $1. You choose how to invest!" | |
 Western Digital | 3% | "To support your retirement saving efforts, Western Digital matches 50% of your combined pre-tax and Roth contributions to the plan, up to 6% of your eligible pay, subject to an annual maximum of $9,150 for 2022. " | |
 Xerox | 3.00% | "When you contribute, Xerox does too! To support your retirement saving efforts, Xerox matches 50% of your contributions to the plan, up to 6% of your eligible pay." | |
 Zillow | 4.00% | "401k(100% match on the first 4% of base salary. Vest immediately.)" |
See Also: Every Company With The Best Work-Life Balance | Going Remote | Doing A 4-Day Work Week | Offering Home Office Stipends | Paying For College | Unlimited PTO
Tech Companies With The Best 401K Match
Here’s a shorter list of well-known tech companies with great 401K match programs.
- Meta (Facebook): Maximum 401K match of $10,250
- GitHub: Maximum 401K match of $10,250
- NVIDIA: Maximum 401K match of $9,000
- Uber: Maximum 401K match of 100%
- Microsoft: Maximum 401K match of 50%
- Blizzard Entertainment: Maximum 401K match of 25.0%
- Apple: Maximum 401K match of 6.0%
- Salesforce: Maximum 401K match of 6.0%
What is a 401K match?
A 401K plan is a retirement account provided by an employer. As the employee, you can choose to contribute part of your salary to the 401K plan. A 401K match is the amount your employer will also contribute to your account above and beyond what you contribute.
For example, an employer can offer to match up to 3% of your salary to your 401K plan so long as you contribute 3% as well.
Does employer match count toward your 401K limit?
The amount the employer contributes to your account does not count toward your personal limit for contributions set by the IRS. There is a combined limit for the employee and the employer, however, that is higher than your personal one.
There are much better sites dedicated to understanding 401K programs. I’m just trying to give some basics as you read up on companies with the best 401K match plans.
What should be considered a good 401K match?
“Good” is subjective, so that will be in the eye of the beholder of the 401K plan. But, I think I can provide some guidelines.
- Matching up to 3% of your salary seems to be the baseline to be considered a good, competitive 401K match
- Of the companies on this list that state their maximum match as a percentage of salary, the average is 6.1% (that’s the average for great 401K match programs, keep in mind)
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Hey, you left out that Capital One contributes 3% whether or not you contribute, and the 100% on 3% and 50% up to 6% are on top of that