Own a side hustle on top of your day job? Looking to open a Solo 401k plan? Get started today with just a few clicks – The Carry Solo 401k Plan is a featured-packed self-directed account that lets you invest in both traditional and alternative assets, take out a loan, or do a Mega Backdoor Roth conversion with a few clicks.
The Mega Backdoor Roth IRA is a potential way for employees to maximize their retirement savings. Unlike traditional 401k and Roth IRA contributions which have relatively low limits, the Mega Backdoor Roth IRA allows you to contribute much more.
✅ 401k contribution limit: $23,500 in 2025 ($31,000 if you’re over 50), up from $23,000 and $30,500 in 2024
✅ Roth IRA contribution limit: $7,000 in 2025 ($8,000 if you’re over 50)
✅ Mega Backdoor Roth IRA contribution limit: $70,000 in 2025 ($77,500 if you’re over 50)
✅ All contributions go directly into a Roth account
That said, not every employee can take advantage of this option. It entirely depends on how your company’s 401k plan is structured.
In this article, we’ll provide a list of 50 major companies offering the Mega Backdoor Roth IRA option in 2025. If your company doesn’t offer it, we’ll discuss an alternative way to potentially activate this strategy.
📌 Also read: What Is A Roth IRA? (How It Works, Benefits, Eligibility Rules)
How Does the Mega Backdoor Roth IRA Work?
Before jumping into the list of companies, here’s a quick refresher on how the Mega Backdoor Roth IRA works.
To execute this strategy, your company’s 401k plan must allow:
✅ After-tax 401k contributions exceeding the regular pre-tax or Roth limits
✅ In-plan Roth conversions to move after-tax contributions into a Roth 401k
✅ In-service distributions to transfer 401k funds to a Roth IRA while you’re still employed
If these features are in your employer’s 401k plan, you can contribute much more to your retirement savings and potentially enjoy tax-free growth.
Do You Qualify? How to Check If Your Employer Offers It
To check if your company offers the Mega Backdoor Roth IRA, here’s what you can do:
✅ Review your current 401k Summary Plan Description (SPD) – This document outlines all the rules of your employer’s 401k plan, including whether it allows after-tax contributions and in-plan Roth conversions.
✅ Ask your 401k plan administrator or financial planner – If you’re unsure after reviewing the SPD, reach out to your plan administrator or a financial advisor. They can quickly confirm if your employer offers the Mega Backdoor Roth option.
✅ Check your benefits portal – Some companies explicitly mention Mega Backdoor Roth IRA eligibility in their online HR or benefits resources.
List of Companies with Mega Backdoor Roth IRA Options
Many leading employers offer the Mega Backdoor Roth IRA through their 401k plans to help employees maximize retirement savings and attract top-tier talent. Here are some of those companies:
NOTE: This list is sourced from Levels.fyi which relies on crowdsourced data from employees and may not be exhaustive or completely up-to-date. Always verify plan specifics with your employer’s HR or benefits department.
Tech Giants & FAANG+
1. Google
2. Amazon
3. Facebook (Meta)
4. Apple
5. LinkedIn
6. Yahoo
7. Salesforce
8. Oracle
9. ServiceNow
10. Workday
11. Zoom
12. GitHub
13. VMware
14. Asana
15. Squarespace
16. Intuit
E-Commerce & Digital Payments
17. Stripe
18. Square (Block)
19. PayPal
20. Coupang
Social Media & Online Platforms
21. Snapchat
22. Zynga
23. Roblox
Financial Services & Consulting Firms
24. Mastercard
25. Wells Fargo
26. John Hancock
27. McKinsey
28. Carta
Media & Entertainment
29. Netflix
30. Roku
31. HBO
32. NBC
Telecommunications & IT Services
33. AT&T
34. Cisco
35. IBM
36. Spectrum
Electronics, Manufacturing & Aerospace
37. Samsung
38. Dell
39. Intel
40. Boeing
Transportation & Mobility
41. Uber
42. Waymo
43. Cruise
Miscellaneous
44. Target (Retail & Consumer Brands)
45. L’Oreal (Retail & Consumer Brands)
46. Zillow (Real Estate & PropTech)
47. Palantir (AI, Data & Analytics)
48. Exelon (Energy & Infrastructure)
49. The Trade Desk (Advertising & Marketing)
50. Johnson & Johnson (Healthcare & Pharmaceuticals)
What If Your Company Doesn’t Offer the Mega Backdoor Roth IRA?
If your company does not provide this option, there’s potentially another alternative: the Mega Backdoor Roth Solo 401k.
If you have self-employment income and no full-time employees, you are likely eligible to open a Solo 401k. You can then execute the Mega Backdoor Roth strategy with a Solo 401k, potentially making it another option for your retirement goals.
📌 Also read: The Mega Backdoor Roth Solo 401k Explained
Wrapping It Up
The Mega Backdoor Roth IRA can be a powerful tool for high-income earners and aggressive retirement savers. So if you work at one of the 50 companies listed above, check your 401k plan details and consider exploring this strategy.
If not, consider setting up a Solo 401k to access the same benefits.
Disclaimer
The Carry Learning Center is operated by The Vibes Company Inc. (“Vibes”) and contains generalized educational content about personal finance topics. While Vibes provides educational content and technology services, all investment advisory services discussed on this website are provided exclusively through its wholly-owned subsidiary, Carry Advisors LLC (“Carry Advisors”), an SEC registered investment adviser. The information contained on the Carry Learning Center should not be construed as personalized investment advice and should not be considered as a solicitation to buy or sell any security or engage in a particular investment, accounting, tax or legal strategy. Vibes is not providing tax, legal, accounting, or investment advice. You should consult with qualified tax, legal, accounting, and investment professionals regarding your specific situation.
The accounts, strategies and/or investments discussed in this material may not be suitable for all investors. All investments involve the risk of loss, and past performance does not guarantee future results. Investment growth or profit is never a guarantee. All statements and opinions included on the Carry Learning Center are intended to be current as of the date of publication but are subject to change without notice.
To access investment advisory services through Carry Advisors, you must be a client of Vibes on an eligible membership plan. For more information about Carry Advisors’ investment advisory services, please see our Form ADV Part 2A brochure and Form CRS or through the SEC’s website at www.adviserinfo.sec.gov.