50 Companies With The Best 401K Match Plans (2024)

Companies with the best 401k match
Image Credit: Library of Congress

We compiled the companies with the best 401K match plans. We set the minimum at 3%, but some of the companies with highest 401K matches go up to 100%. 

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, this is the best list to start your job search.

One quick note: This list includes 50 companies with great 401k match plans. If you want to see a full list of 138 companies, you can download that here.

 

The Companies With The Best 401k Match Plans

Here are 50 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.

Want to download a spreadsheet of 138 US companies instead?

Click here to filter and sort the entire library.

Best 401K match companies list

3M

3MMaximum match: 8.00%

401K program background (source): 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.

Search for 3M jobs.   

Accenture

AccentureMaximum match: 6.00%

401K program background (source): Employees can immediately contribute and, after meeting eligibility requirements, receive the $1 for $1 match up to 6% of contributions.

Search for Accenture jobs.

  

Agilent Technologies

Agilent TechnologiesMaximum match: 6.00%

401K program background (source): Match rate, 100% on the first 6% of salary deferrals ; % receiving full match, >90% ; Maximum employer contribution, >11%.

Search for Agilent Technologies jobs.

   

American Airlines

American AirlinesMaximum match: 5.50%

401K program background (source): 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.

Search for American Airlines jobs.

  

American Express Company

American Express CompanyMaximum match: 6.00%

401K program background (source): American Express Match Rate: 100% of first 6% of salary

Search for American Express Company jobs.

  

Apple

AppleMaximum match: 6.00%

401K program background (source): Apple matched based on years of service: 5 years = 100% of a participant’s contributions up to 6%.

Search for Apple jobs.

  

AT&T Inc.

AT&TMaximum match: 6.00%

401K program background (source): 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.

Search for AT&T Inc. jobs.

  

AXA

AXAMaximum match: 5.00%

401K program background (source): 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.

Search for AXA jobs.

  

Bank of America Corporation

Bank of AmericaMaximum match: 5.00%

401K program background (source): We offer eligible U.S. employees up to 5% of eligible pay in 401(k) company-matching contributions, plus 2% or 3% in annual contributions (based on years of service).

Search for Bank of America Corporation jobs.

  

Biogen

Biogen Inc.Maximum match: 6%

401K program background (source): 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.

Search for Biogen jobs.

  

Blizzard Entertainment

Blizzard EntertainmentMaximum match: 25.00%

401K program background (source): 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.

Search for Blizzard Entertainment jobs.

  

Boeing

BoeingMaximum match: 8.00%

401K program background (source): 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.

Search for Boeing jobs.

 

Bosch USA

BoschMaximum match: 9.00%

401K program background (source): 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

Search for Bosch USA jobs.

 

Charles Schwab

Charles SchwabMaximum match: 5.00%

401K program background (source): 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

Search for Charles Schwab jobs.

  

Comcast

ComcastMaximum match: 6.00%

401K program background (source): 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.

Search for Comcast jobs.

  

Computerworld

ComputerworldMaximum match: 6.00%

401K program background (source): 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

Search for Computerworld jobs.

 

Corteva Agriscience

Corteva AgriscienceMaximum match: 6.00%

401K program background (source): The Company makes a matching contribution equal to 100% of a participant’s contribution, up to 6% of eligible compensation.

Search for Corteva Agriscience jobs.

  

CVS Health

CVS HealthMaximum match: 5.00%

401K program background (source): 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.

Search for CVS Health jobs.

  

Dollar General

Dollar GeneralMaximum match: 25.00%

401K program background (source): 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.

Search for Dollar General jobs.

  

Dow

DowMaximum match: 5.00%

401K program background (source): 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.

Search for Dow jobs.

 

Exxon Mobil Corporation

ExxonMobilMaximum match: 7.00%

401K program background (source): When you make at least the minimum contribution of 6% of pay, you automatically receive a company match of 7% of pay.

Search for Exxon Mobil Corporation jobs.

  

Fidelity Investments

Fidelity InvestmentsMaximum match: 7.00%

401K program background (source): 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.

Search for Fidelity Investments jobs.

  

FIS

FISMaximum match: 6.00%

401K program background (source): 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.

Search for FIS jobs.

  

freeCodeCamp

freeCodeCampMaximum match: 5.00%

401K program background (source): 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.

Search for freeCodeCamp jobs.

 

Hospital Corporation of America

Hospital Corporation of AmericaMaximum match: 9.00%

401K program background (source): 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.

Search for Hospital Corporation of America jobs.

 

Humana

HumanaMaximum match: 7.50%

401K program background (source): 401(k) retirement savings plan (125% match for the first 6% contributed by associate)

Search for Humana jobs.

 

Intuit

IntuitMaximum match: 6.00% (or $10,000)

401K program background (source): Free money from Intuit through eligible matching contributions—$1.25 for every $1 you contribute, up to 6% of your eligible pay for a maximum $10,000 per year.

Search for Intuit jobs.

 

Kiewit

KiewitMaximum match: 6.00%

401K program background (source): 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.

Search for Kiewit jobs.

 

KPMG

kpmgMaximum match: 8.00%

401K program background (source): 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.

Search for KPMG jobs.

 

McDonald’s Corporation

McDonald’sMaximum match: 6.00%

401K program background (source): After working one year, you may be eligible for a 6% employer match on 401K contributions.

Search for McDonald’s Corporation jobs.

 

Morgan Stanley

Morgan StanleyMaximum match: 5.00%

401K program background (source): Other benefit enhancements for 2022 include an increased 401(k) match, with the maximum rising from 4% to 5% of eligible pay for employees.

Search for Morgan Stanley jobs.

  

Microsoft

MicrosoftMaximum match: 50.00%

401K program background (source): 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.

Search for Microsoft jobs.

  

Nasdaq

NasdaqMaximum match: 50-100%

401K program background (source): 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.

Search for Nasdaq jobs.

 

Northrop Grumman

Northrop GrummanMaximum match: 6.00%

401K program background (source): 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

Search for Northrop Grumman jobs.

 

REI

REIMaximum match: 5.00%

401K program background (source): 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.

Search for REI jobs.

 

Salesforce

SalesforceMaximum match: 6.00%

401K program background (source): 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).

Search for Salesforce jobs.

 

Southwest Airlines Co.

Southwest AirlinesMaximum match: 9.30%

401K program background (source): Southwest matches Employee contributions dollar-for-dollar up to 9.3% of their eligible earnings. Employees can choose from a broad spectrum of investment options and roll over any eligible funds from a previous employer.

Search for Southwest Airlines Co. jobs.

 

Starbucks

StarbucksMaximum match: 5.00%

401K program background (source): 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 pay period-by-pay period basis.

Search for Starbucks jobs.

  

State Street

State StreetMaximum match: 5.00%

401K program background (source): 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.

Search for State Street jobs.

 

Target

TargetMaximum match: 5.00%

401K program background (source): Target matches your contributions dollar for dollar up to 5% of eligible pay.

Search for Target jobs.

 

Thermo Fisher Scientific

Thermo Fisher ScientificMaximum match: 6.00%

401K program background (source): 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%.

Search for Thermo Fisher Scientific jobs.

 

Turner Construction Company

Turner Construction CompanyMaximum match: 50-100%

401K program background (source): The plan offers a number of benefits, including tax-deferred savings, a Roth 401(k) contribution option, a 50% – 100% company matching contribution.

Search for Turner Construction Company jobs.

  

Uber

UberMaximum match: 100.00%

401K program background (source): 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.

Search for Uber jobs.

 

USAA

USAAMaximum match: 8.00%

401K program background (source): 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%.

Search for USAA jobs.

  

Vans

VansMaximum match: 6.00%

401K program background (source): 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.)

Search for Vans jobs.

  

VF Corporation

VF CorporationMaximum match: 6.00%

401K program background (source): The Company matches 100% on the first 6% of eligible compensation that a participant contributes to the Plan.

Search for VF Corporation jobs.

  

Viacom

ViacomMaximum match: 5.00%

401K program background (source): 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.

Search for Viacom jobs.

  

Visa

VisaMaximum match: 10.00%

401K program background (source): 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.

Search for Visa jobs.

  

VMware

VMWareMaximum match: 6.00%

401K program background (source): 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.

Search for VMware jobs.

 

Wells Fargo & Company

Wells FargoMaximum match: 6.00%

401K program background (source): Wells Fargo is committed to your financial success and provides the 401(k) Plan to help you save for retirement. Currently, Wells Fargo matches your contributions annually – dollar for dollar – up to 6% of your eligible pay, after you complete one year of service.

Search for Wells Fargo & Company jobs.

See Also: Every Company With The Best Work-Life BalanceGoing 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.

View our awards for the best tech companies to work for.

See Also: The 20 Best Employee Benefits, Per 3 Studies

 

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)

 

Want to add a company that offers a great 401K match?

Fill in the form on this page and we’ll add your suggestion to the list.

We hope you find this article useful. Just so you know, Buildremote may collect a small share of sales from the links on this page to help keep this site running.

Best 401K match companies list

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One Comment

  1. 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

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