50 Companies With the Highest 401k Employer Match in 2025

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Some of the world’s top employers are stepping up their retirement benefits by offering generous 401k employer matches to attract top talent and help employees accelerate their long-term savings. A strong employer match can potentially add thousands of meaningful dollars to your retirement account annually, depending on your compensation and how much you contribute.

✅ ‍What is 401k employer matching? A 401k employer match is when a company contributes to your retirement plan based on how much you contribute yourself. . It’s essentially extra money added to your retirement savings. So the higher the match, the greater the potential  benefit to your savings.

✅ What is the average employer match? The average employer match is between 4% and 6% of an employee’s compensation.

✅ What is considered a “good” match? Anything above 5% of compensation is considered a strong  match.  Some standout companies offer matches of 10% or more, and in a few cases, up to 25% of compensation. 

Of course, employees are bound by the 401k contribution limits set by the IRS each year, which is $23,500 ($31,000 if age 50+) in 2025, up from $23,000 and $30,500 in 2024.  With some plans, employer contributions may range from $3,000 to $10,000 annually, depending on plan structure and employee participation. Many large employers also offer immediate eligibility and vesting, so employees can access their contributions right away.

This guide highlights 50 companies offering some of the highest 401k matches in 2025.

Companies With the Highest 401k Employer Match Plans

Before reviewing the list, let’s clarify some key terms.

Each company is listed with four key details: Type, Amount, Eligibility, and Vesting Period of their 401k match. Here’s a quick explanation of what they mean.

✅ TYPE: Employers have several options to match contributions:  

✅ AMOUNT: The maximum amount a company will contribute, typically as a percentage of the employee’s salary or a fixed dollar amount. 

✅ ELIGIBILITY: Some employers require you to work a minimum length of time before you’re eligible to receive matching contributions. 

✅ VESTING PERIOD: Vesting determines when you fully own the employer’s contributions.

✏️ Hypothetical Example: If a company has a vesting period of 4 years, and you leave after 2 years, you may only keep 50% of the 401k match funds.

📝 Important: 401kmatch policies vary by company and may change. Always consult your company’s benefits administrator for the most accurate and current details. Eligibility, contribution limits, and vesting schedules may depend on factors like job role, hours worked, or years of service.

Now, here are the companies with the highest 401k employer matches in 2025. 

Disclosure: While this information is provided to the best of our knowledge as of March 2024, it is subject to change without notice and may contain inaccuracies. This is provided for general informational purposes only and is not provided by the companies themselves. 

Company	Match	Type	Eligibility	Vesting
Blizzard	25% of compensation	Full match	Immediately	Immediately
Dollar General	25% of compensation	Full match	Immediately	Immediately
Uber	10% of compensation	Full match	Immediately	Immediately
Visa	10% of compensation	200% match	Immediately	Immediately
Bosch USA	9% of compensation	75% partial match	Immediately	Immediately
USAA	4% of compensation	200% match	Immediately	Immediately
Samsung	4.5% of compensation	Full and Partial match	Immediately	Immediately
Vimeo	10% of compensation, max of $10,000 per year	Full match	Immediately	2 years
Comcast	6% of compensation	Full match	Immediately	Immediately
Biogen	6% of compensation	200% match	Immediately	Immediately
Amgen	5% nonelective + 5% of compensation	Nonelective + full match	Immediately	Immediately
Boeing	10% of compensation	Full match	Immediately	Immediately
Southwest Airlines	9.3% of compensation	Full match	Immediately	Immediately
BOK Financial	6% of compensation	Full or partial match	Immediately	Immediately
Farmers Insurance	4% nonelective + 6% of compensation	Nonelective + full match	Immediately	Immediately
Ultimate Software	Up to IRS contribution limit	45% partial match	Immediately	Immediately
AT&T	6% of compensation	Partial or full match	After 1 year of service	3 years
3M	3% nonelective + 5% of compensation	Nonelective + full match	Immediately	Immediately
Apple	6% of compensation	Partial or full match	Immediately	Immediately
Charles Schwab	5% of compensation + $250	Full match	Immediately	Immediately
Starbucks	5% of compensation	Full match	Immediately	Immediately
Microsoft	Up to IRS contribution limit	50% partial match	Immediately	Immediately
Walmart	6% of compensation	Full match	1 year of service	Immediately
Accenture	6% of compensation	Full match	Immediately	2 years
Amazon	4% of compensation	50% partial match	Immediately	3 years (1,000 hours per year)
Google	Up to IRS limit, or $3,000 match	Full or partial match	Immediately	Immediately
Honeywell International	7% of compensation	Partial match	3 years of service	Immediately
Adobe	6% of compensation, or 3% if contributing over 6%, up to IRS limit	Partial match	Immediately	Immediately
Netflix	4% of compensation	Full match	Immediately	Immediately
Meta (Facebook)	Up to 50% of IRS limit	Full match	Immediately	Immediately
AECOM	50% of the first 6% of compensation	Partial match	Immediately	3 years
Best Buy	100% match on 3%, then 50% on next 2%	Full + partial match	Immediately	Depends on role
Black Rock	8% of compensation, up to $5,000 per year	Partial match	Immediately	3 years
Cisco	4.5% of compensation	Full match	Immediately	Immediately
Costco	$500/year (non-California), $250/year (California) + 3-9% match after 1,000 hours	Partial match	90 days for $500/$250 match, 1,000 hours for 3-9% match	5 years
Aerospace Corporation	8-12% of compensation based on years of service	Full match	Immediately	Immediately
AffiniPay	5% of compensation	Full match	Full-time employees	Not specified
Alliant Credit Union	100% of contributions up to 5% of salary	Full match	Immediately	Immediately
Avaneer Health	Up to 6% of compensation	Full match	Not specified	Immediately
Blueprint Test Prep	3-5% of compensation	Full match	Full-time and part-time employees	Not specified
Going	Up to 5% of compensation	Full match	Not specified	Immediately
Munchkin	4% of compensation	Full match	Not specified	Immediately
RapDev	5% of contributions	Full match	Immediately	Immediately
Rokt	4% of compensation	Full match	US employees	Not specified
Sierra Space	Up to IRS limit	Full match	Not specified	5-year schedule
Zello	4% of compensation	Full match	Not specified	Immediately
ForeFlight	Up to 10% of compensation	Full match	Not specified	Immediately
Allwyn North America	6% of compensation	Full match	Not specified	Immediately
Flatfile	100% match up to 3% + 50% match for the next 2%	Partial match	Not specified	Not specified
Snap! Mobile	4% of salary	Full match	90 days after hire	Not specified

📝 Note: The list of companies and their 401k employer match details presented are based on publicly available information as of 2025. Employer benefits and contribution structures are subject to change at any time. For the most accurate and up-to-date information, we recommend contacting the company’s Human Resources or benefits department directly.

1) Blizzard

Blizzard offers one of the highest employer matching contributions for their employees with full dollar-for-dollar matching up to 25% of employees’ compensations. All employees are immediately eligible for employer matching and 100% vested from day one.

Source: plansponsor.com

2) Dollar General

Dollar General offers a 401k plan with employer matching contributions of up to 5% of an employee’s salary. Employees are eligible to participate immediately, and all contributions, both employee and employer, are 100% vested right away.

Source: meetbeagle.com

3) Uber

Uber offers a generous 401k employer match with a simple, clean structure. Employees receive a full dollar-for-dollar match on contributions, up to 10% of their compensation.

Source: buildremote.co

4) Visa

Visa offers employees a generous employer match: for every 1% of salary an employee contributes, Visa contributes 2%, up to a maximum of 5% of the employee’s salary. This means that if an employee contributes 5% of their salary, Visa will contribute an additional 10%, totaling 15% of the employee’s salary going into the 401k plan. Employees are eligible to participate immediately upon hire, and all contributions, both employee and employer, are fully vested right away. 

Source: nasdaq.com

5) Bosch USA

Bosch USA offers a 75% company match on employee contributions, up to 9% of compensation.

Source: medium.com

6) USAA

USAA offers one of the highest employer matches at 200% of employee contributions, up to a maximum of 8% of compensation. If employees contribute 4% of their compensation, USAA will contribute 8%.

Source: usaajobs.com

7) Samsung

Samsung offers both full match and partial match employer matching contributions. The first 3% of contributions are matched dollar-for-dollar. The next 3% are 50% partially matched for a total of 4.5% in employer matching each year.

Source: semiconductor.samsung.com

8) Vimeo

Vimeo offers a generous employer match of up to 10% of employee compensation, capped at $10,000 per year. While employees are immediately eligible, employer contributions become fully vested after two years of service. 

Source: investors.vimeo.com

9) Comcast

Comcast offers a simple dollar-for-dollar employer match up to 6% of compensation with immediate vesting.

Source: Comcast

10) Biogen

Biogen offers a highly competitive 401k retirement savings plan. The company matches 200% of employee contributions up to 3% of their eligible compensation, resulting in a maximum employer contribution of 6%. Employees are eligible to participate in the plan immediately upon hire, and all contributions, both employee and employer, are fully vested right away.

Source: Biogen

11) Amgen

Amgen is one of the few companies that offer nonelective contributions, providing employees with  5% of compensation annually—even if they don’t contribute to their 401k. On top of that, Amgen provides a full match on contributions up to 5% of compensation, allowing for a total potential employer contribution of 10% per year. 

Source: MyPlanIQ

12) Boeing

Boeing offers a generous dollar-for-dollar 401k match on employee contributions, up to 10% of eligible pay. Employees are immediately eligible and enjoy full vesting, meaning they own all employer contributions from day one. 

Source: Boeing

13) Southwest Airlines

Southwest Airlines offers one of the cleanest, simplest structures for their 401k employer match contributions. Employees can receive dollar-for-dollar matching up to 9.3% of their eligible compensation with immediate vesting and eligibility.

Source: Yahoo Finance

14) BOK Financial

BOK Financial offers a very unique 401k employer match structure for their employees. All employees receive 401k employer matches of 6% of their compensation. Depending on the length of time employed by the company, the partial match percentage can quadruple:

Source: jobs.bokf.com

15) Farmers Insurance

Farmers Insurance offers an excellent 401(k) employer match, contributing up to 10% of an employee’s compensation. The company automatically contributes 4% of eligible pay through nonelective contributions, and on top of that, matches employee contributions dollar-for-dollar up to 6%. 

Source: Farmers Insurance

16) Ultimate Software

Ultimate Software, now known as UKG (Ultimate Kronos Group), offers a 45% partial match on employee 401k contributions, up to the yearly contribution limits set by the IRS. While the match percentage is lower than some, the total value can reach around $10,000 per year, putting it on par with other top-ranked employer match programs. 

Source: UKG Careers

17) AT&T

Employees at AT&T who have completed at least one year of service can start receiving an 80% partial match on their 401k plans. For employees in managerial roles, AT&T offers a more generous dollar-for-dollar match on the first 6% of their compensation. It’s a great way for employees, especially those in management, to make the most of their retirement savings.

Source: AT&T

18) 3M

3M provides all employees with a nonelective 3% base contribution to their 401k plan, regardless of whether they contribute. Additionally, they offer a dollar-for-dollar match on contributions up to 5% of compensation.

Source: 3M Careers

19) Apple

Apple offers a tiered 401(k) match based on years of service. 

✅ Less than two years: 50% match

✅ 2–5 years: 75% match

✅ More than five years: full dollar-for-dollar match up to 6% of compensation.

Source: meetbeagle.com

20) Charles Schwab

Charles Schwab will first contribute $250 to your 401k when you contribute your first $1 into your plan. Additionally, they offer full match contributions up to 5% of compensation.

Source: Financial Advisor IQ

21) Starbucks

Starbucks offers a simple employer match structure. They’ll match employee contributions dollar-for-dollar up to 5% of compensation.

Source: Levels.fyi – Starbucks Benefits

22) Microsoft

Microsoft offers a 50% match on employee contributions, up to the IRS contribution limit each year. The company doesn’t set a separate cap on matching amounts so employees who contribute the full limit can typically receive around $10,000 annually in employer contributions. 

Source: Levels.fyi – Microsoft Benefits

23) Walmart

After working at Walmart for at least one year and logging 1,000 hours, employees become eligible for the company’s 401k employer match program. Once eligible, employees can receive full match contributions up to 6% of their salary, with immediate vesting.

Source: One.Walmart.com – 401(k) Financial Benefits FAQ

24) Accenture

Accenture offers immediate eligibility for employees to begin receiving 401k employer matches, though a 2-year vesting period applies. Employees can receive a full match on contributions up to 6% of their eligible compensation.

Source: meetbeagle.com

25) Amazon 

Amazon employees are immediately eligible to receive a 50% match on contributions, up to 4% of their compensation. However, employer contributions are subject to a vesting schedule—employees must complete three years of service, with at least 1,000 hours worked per year, to become fully vested. 

Source: amazon.jobs

26) Google

Google offers employees the option to receive 100% dollar-for-dollar matching up to $3,000, or 50% matching up to the IRS contribution limit. Employees who maximize their own contributions can receive a larger total employer match. Both eligibility and vesting are immediate. 

Source: consiliowealth.com

27) Honeywell International

Honeywell offers a competitive employer match of up to 7% of compensation. However, employees must complete three years of service before becoming eligible to receive matching contributions.

Source: Honeywell Benefits – Are You Saving for Your Future?

28) Adobe

Adobe automatically enrolls employees in its 401k plan 30 days after hire. The company matches 50% of employee  contributions, up to 6% of eligible pay per pay period. All employer contributions are fully vested immediately.

Source: Adobe Benefits – 401(k) Retirement Plan

29) Netflix

While not the highest in terms of match percentage, Netflix offers a straightforward and appreciated plan, providing a dollar-for-dollar match up to 4% of compensation. This includes immediate eligibility and no vesting period, so employees fully own the match right away.

Source: Levels.fyi – Netflix Benefits 

30) Meta (Facebook)

Meta provides full employer matching up to 50% of the IRS contribution limit for the year. All employees are eligible for employer matching immediately upon employment and are 100% vested.

Source: avieradvisors.com

31) AECOM

AECOM matches 50% of an employee’s contributions, up to 6% of eligible compensation. The plan supports both pre-tax and Roth contributions, and all employees—including part-time and temporary staff—can participate right away. However, the employer match is subject to a three-year vesting period.

Source: AECOM Retirement & Savings Plan

32) Best Buy

Best Buy’s 401k match program is consistent across eligible employees, offering a structured matching formula and a standard vesting schedule.

Source: Glassdoor – Best Buy 401(k) Plan

33) Black Rock

Black Rock offers a 50% match on employee contributions, up to 8% of salary, with a maximum employer contribution of $5,000 per year. All employees are immediately eligible to participate in the plan, but must complete three years of service to become fully vested in employer contributions.

Source: Plansponsor – 2020 Best in Class 401(k) Plans

34) Cisco

Cisco provides employees with a 100% match on the first 4.5% of their compensation, with immediate eligibility and full vesting from day one. New hires are automatically enrolled in the plan, making it easy for them to start saving right away.  The company’s retirement program is consistently well-regarded by its workforce.

Source: Cisco Benefits – Cisco Purpose Reporting Hub

35) Costco

Costco’s 401k match program has a delayed structure compared to others. New employees become eligible after 90 days, receiving up to $500 per year (or $250 for California Union employees). After completing 1,000 hours of service (roughly one year full-time) employees qualify for discretionary contributions ranging from 3% to 9% of compensation, based on years of service. Full vesting occurs after five years. 

Source: Costco 401(k) Retirement Plan

36) Aerospace Corporation

Aerospace Corporation provides employees with a company-paid contribution of 8%, 10%, or 12% of eligible compensation, depending on years of service. Employees are immediately eligible and fully vested upon hire.  

Source: Aerospace Corporation Benefits Highlights

37) AffiniPay

AffiniPay supports its employees with a 401k plan that includes dollar-for-dollar employer matching of up to 5% of compensation. This benefit is available to full-time employees.

Source: Built in Austin

38) Alliant Credit Union

Alliant Credit Union offers employees an excellent 401k plan with a dollar-for-dollar match up to 5% of their annual gross salary. Employees are eligible and fully vested in the plan upon hire.  

Source: Glassdoor – Alliant Credit Union 401(k) Plan

39) Avaneer Health

Avaneer Health provides a 401k plan with a 6% employer match, helping employees save for their retirement.  

Source: Built In – Avaneer Health Benefits

40) Blueprint Test Prep

Blueprint Test Prep offers its 401k benefits to both full-time and part-time employees, with a dollar-for-dollar match up to 3% of compensation.

Source: Built In – Blueprint Test Prep Benefits

41) Going

Going provides employees with an immediate vesting 401k plan that includes dollar-for-dollar matching up to 5% of their salary.  

Source: Built In – Going Benefits

42) Munchkin

Munchkin supports employees with a 401k plan offering full dollar-for-dollar matching up to 4% of their salary, with immediate vesting for matched contributions.  

Source: Built In – Munchkin Benefits

43) RapDev 

RapDev provides employees with immediate eligibility and full vesting for its 401k plan, matching up to 5% of employee contributions.  

Source: RapDev Careers

44) Rokt

Rokt supports its US-based employees with a 401k plan offering dollar-for-dollar matching up to 4% of their salary.  

Source: Rokt Employee Handbook

45) Sierra Space

Sierra Space offers employees a full dollar-for-dollar match up to the IRS limit. Vesting occurs on a 5-year schedule.  

Source: Sierra Space Careers

46) Zello

Zello’s 401k plan includes a full employer match of up to 4% of an employee’s salary, with immediate vesting for all matched contributions.  

Source: Zello Careers

47) ForeFlight

ForeFlight offers a generous 401k plan, matching 100% of employee contributions up to 10% of their pay.  

Source: ForeFlight Careers

48) Allwyn North America

Allwyn North America provides a 401k plan with a full employer match of up to 4% of compensation and immediate vesting for all contributions.  

Source: Allwyn Corporation – Benefits

49) Flatfile

Flatfile supports its employees with a 401k plan that includes a 100% match for contributions up to 3% of salary, and a 50% match for the next 2%.  

Source: Flatfile Careers

50) Snap! Mobile

Snap! Mobile matches employee 401k contributions dollar-for-dollar up to 4% of their salary. Employees become eligible and fully vested starting 90 days after hire.

Source: Snap! Mobile Employee Benefits

Additional resources

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