Department of Labor filing
Spot something wrong?JPMorgan Chase 401(k) plan
JPMORGAN CHASE 401(K) SAVINGS PLAN · For the plan year ended Dec 31, 2024
Legal plan sponsor: JPMORGAN CHASE BANK, NATIONAL ASSOCIATION
Latest public filing 2024 · received Aug 21, 2025Current benefit source JPMorgan Chase 401(k) Savings Plan — 2025 Form 11-K · dated Dec 31, 2025
Plan summary
Start with the match, vesting, and fees
Strong
This looks strong based on public filing history. We have 1 of 7 key current terms documented. Keep checking the source links because plan rules can change.
Why: The employer match is one of the plan's stronger features. Vesting is not confirmed yet. The latest filing also shows more employer money than most similar plans.
71Plan health
from public filings
from public filings
1/7Limited current-term coverage
documented
documented
See what drives the plan health score
Published only when at least four measures and half of the model weight are available. Missing information is excluded rather than scored as zero.
After one year of service, JPMorgan Chase generally matches 100% of eligible pre-tax and Roth contributions up to 5% of eligible compensation, subject to year-end employment and compensation rules.
Check the source ↓Assumes you contribute enough to earn the full match (5% of pay). Eligibility and annual limits can change the amount.
Vesting decides how much employer money you keep if you leave before staying long enough.
The key document is the participant fee disclosure, especially fund expense ratios and account charges.
Look for low-cost index funds, target-date funds, stable-value or bond options, and any brokerage window.
After one year of service, JPMorgan Chase generally matches 100% of eligible pre-tax and Roth contributions up to 5% of eligible compensation, subject to year-end employment and compensation rules
Automatic enrollment and auto-increase features usually help more employees save consistently.
Roth availability matters if you want after-tax contributions inside the workplace plan.
Up 23.2% over the filing history shown.
Participation up 5.2% · assets up 43.8% · loans 1.2% of assets
How this is calculated →See score distributions →Current terms to confirm: vesting, employee fees, investment choices, automatic enrollment, Roth availability
These details are often kept in employee-only plan documents. We show them when there is a dated source clear enough to trust.
Before you enroll: confirm the match, vesting schedule, waiting period, and fees in the current plan documents. The filing history shows how the plan itself has changed.
Keep in mind: public filings do not show your personal investment returns. Missing information does not count against the plan. The documents supporting the current terms are linked below.
Need the raw filing detail?
The key takeaways are above. Open the full record when you want every number and source note.
Personalized estimate
What could JPMorgan Chase's contribution mean for you?
This uses the reviewed employer formula shown on this profile—not the plan-wide Form 5500 contribution average.
Estimated employer money$4,250/year
- Your annual contribution
- $4,250
- Possible maximum
- $4,250
- Potentially unclaimed
- $0
Contributing about 5% of eligible pay captures the documented maximum under this simplified estimate.
Estimate only. Compensation limits, eligibility, true-ups, contribution timing, employee groups, and plan amendments can change the result. Confirm the current formula in your plan documents.
Filing comparison · 202471out of 100 among similar-size plans in the same industry when enough peers exist
How this filing compares
Reported employer contributions86th percentileTypical peer $4,074 · based on 112 comparable plans
Lower reported administrative expense38th percentileTypical peer $61 · based on 106 comparable plans
This comparison uses historical filing figures. It does not compare current match formulas, vesting, investments, or employee fees.
Peer-group method: industry size. The comparison used the most specific peer group with enough valid filings.
The short version
What employees should know
For the year ended Dec 31, 2024, JPMORGAN CHASE BANK, NATIONAL ASSOCIATION reported $1,261,974,961 in employer contributions across this plan, or $6,810 per active participant. This is the best company-wide filing average available—not a promise of what any one employee receives.
Up 5.2% across the filing years shown. The filing does not report every employee who was eligible.
Change in employer contributions per active participant.
Change in reported administrative cost per participant. Fund expenses may be separate.
Compared with similarly sized plans in the same industry.
Money and scale
Contributions, assets, and expenses
These are plan-wide totals. They are not individual account balances.
- Employer contributions
- $1,261,974,961 $6,810 per active participant
- Participant contributions
- $1,709,701,770
- Other contributions
- $386,997,353 Amounts not classified as employer or participant contributions
- Employer share of contributions
- 42.5%
- Active participants
- 185,310 Very large plan
- Total participants
- 300,272 299,277 at the beginning of the year
- Ending assets
- $52,913,457,500 $176,218 per participant
- Net-asset change
- Up 43.8% Not the same as investment performance
- Beginning net assets
- $44,020,023,822
- Ending net assets
- $52,362,525,216
- Beginning liabilities
- $532,213,200
- Ending liabilities
- $550,932,284
- Total income
- $11,943,544,241
- Total expenses
- $3,601,042,847
- Administrative expenses
- $21,837,335 $73 per active participant
- Participant loans
- $639,249,249 1.2% of plan assets
Three-year filing history
How the reported figures changed
Each chart uses the selected public filing for that year. Missing values remain blank rather than becoming zero.
2022
$5,528
2023
$6,039
2024
$6,810
2022
$65
2023
$64
2024
$73
2022
176,168
2023
185,180
2024
185,310
2022
$36,787,229,834
2023
$44,552,237,022
2024
$52,913,457,500
2022
1.4%
2023
1.3%
2024
1.2%
| Plan year | Employer money per active participant | Active participants | Plan assets |
|---|---|---|---|
| 2024 | $6,810 | 185,310 | 52.9B |
| 2023 | $6,039 | 185,180 | 44.6B |
| 2022 | $5,528 | 176,168 | 36.8B |
Changes in plan assets are not the same as investment performance.
Plan health
Loans, late deposits, and other filing disclosures
- Participant loans as a share of plan assets
- 1.2%
- Independent accountant’s opinion
- Unqualified opinion Code 1
- Late participant contributions reported
- Yes · $18,858,037A “yes” needs context and is not, by itself, proof of wrongdoing.
- Loan defaults reported
- 2$550,000 unpaid balance reported
- Lease defaults reported
- 0Only a small number of filings report these events.
- Nonexempt transactions reported
- 0
- Public plan identifier
- 134994650-002
Insurance and supporting schedules
Additional arrangements reported
These disclosures add context. They should not be read as a score or a judgment on their own.
- Additional paid service providers
- 13$21,837,335 in separately reported direct compensation
- Compensation reported as formulas
- 1The filing describes how compensation is calculated but does not provide a comparable dollar total.
- Insurance contracts
- 5170,585 people reported as covered
- Pooled investment entities
- 15$31,831,956,535 reported at year end
Reported plan details
Identity and filing status
- Plan type
- Retirement plan
- Employer arrangement
- Single-employer plan
- Plan effective date
- Jan 1, 1958
- Industry
- Finance and insurance
- Amended filing
- No
- Final filing for this plan
- No
- Short plan year
- No
- 401(k) feature reported
- Yes
Show DOL characteristic codes
2E2F2G2J2K2O2S2T
Companies paid by the plans
Service providers named in the latest filings
Amounts are combined when the same provider and role appear in more than one plan. Form 5500 filings do not standardize every provider’s job, so treat the role labels as tentative; the provider name and compensation come directly from the filing.
| Provider | Possible role | How certain? | Plan year | Direct compensation | Indirect compensation |
|---|---|---|---|---|---|
| FIDELITY INVESTMENTS | other | Tentative | 2024 | Not reported | unknown |
| JPMORGAN CHASE BANK, N.A. | other | Tentative | 2024 | Not reported | unknown |
| STATE STREET GLOBAL ADVISORS | other | Tentative | 2024 | Not reported | unknown |
Current plan terms
What the source documents say
Each item below comes from the dated source linked in this section. Anything the source does not establish is left blank.
- Employer contribution
- After one year of service, JPMorgan Chase generally matches 100% of eligible pre-tax and Roth contributions up to 5% of eligible compensation, subject to year-end employment and compensation rules. The 2025 filing describes a $10,000 annual match cap for employees earning $350,000–$999,999 and no match at $1 million or more.
Not covered by the source: 6 items
eligibility, vesting, investment information, automatic enrollment, roth contributions, participant fees. Check the latest summary plan description or enrollment materials for these details.
Source: JPMorgan Chase 401(k) Savings Plan — 2025 Form 11-K ↗ · dated Dec 31, 2025
Filing evidence
Open the selected public records
We use the latest valid received filing for each year after resolving amendments and duplicate records. Open the source to check the original filing.
Quick answers
JPMorgan Chase 401(k) questions
What is JPMorgan Chase's 401(k) match?
The reviewed current source says: After one year of service, JPMorgan Chase generally matches 100% of eligible pre-tax and Roth contributions up to 5% of eligible compensation, subject to year-end employment and compensation rules. The 2025 filing describes a $10,000 annual match cap for employees earning $350,000–$999,999 and no match at $1 million or more.
How much employer money did JPMorgan Chase report adding?
For 2024, the selected filing reports $1,261,974,961 in employer contributions, or $6,810 per active participant. This is a plan-level historical figure, not a personal match quote.
What is JPMorgan Chase's 401(k) vesting schedule?
We have not verified the current vesting schedule yet. Ask for the latest SPD or benefits guide before counting employer money as fully yours.
What are JPMorgan Chase's 401(k) fees?
The 2024 filing reports $73 in administrative cost per active participant. Fund expenses and employee-level charges may require a current fee disclosure.
Can I use this page to compare JPMorgan Chase with another job offer?
Yes, as a starting point. Compare the documented match, vesting, eligibility, fees, investments, and the filing history, then confirm the current terms before assigning a dollar value to an offer.
Source evidence
What recent SEC filings may add
These snippets come from official SEC filings connected to the employer. They are useful clues, but we keep them separate from fully reviewed current plan terms.
Match
e-tax and/or Roth 401(k) contributions and, effective July 23, 2025, may also make up to $ 10,000 in non-Roth after-tax contributions per year, in each case subject to applicable legal and plan limits ("Contributions"). Matching contributions Generally, except as discussed below, each contributing employer (“Contributing Employer”) makes …
Fees
ued under the Plan cannot exceed 400,000 shares of common stock. Shares available for issuance at February 28, 2026 were 188,269 . Certent, Inc. is the record keeper for the Plan. Administrative expenses of the Plan are paid by the Company. Plan Year The Plan year begins on March 1 and ends on February 28 (or February 29 in the case of a …
Eligibility
in Section 424(f) of the Internal Revenue Code of 1986 (the “Code”). A “Participating Subsidiary” means any Subsidiary that the Plan Administrator designates from time to time as eligible to participate in this Plan. Common stock for the Plan is issued directly from the Company’s authorized but unissued shares or previously issued shares …
Filing ACK_ID20250821152449NAL0004385233001
Data sourceDOL Form 5500 bulk data ↗
Filing searchEFAST2 ↗