Department of Labor filing
Spot something wrong?Microsoft 401(k) plan
MICROSOFT CORPORATION SAVINGS PLUS 401K PLAN · For the plan year ended Dec 31, 2025
Legal plan sponsor: MICROSOFT CORPORATION
Latest public filing 2025 · received Jul 24, 2026Current benefit source Microsoft Corporation Savings Plus 401(k) Plan — 2024 Form 11-K · dated Dec 31, 2024
Plan summary
Start with the match, vesting, and fees
Excellent
This looks excellent based on reviewed current plan terms. We have 6 of 7 key current terms documented. Keep checking the source links because plan rules can change.
Why: The employer contribution is documented. You own the match immediately. The latest filing also shows more employer money than most similar plans.
86Benefit score
from current terms
from current terms
65Plan health
from public filings
from public filings
6/7Strong 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.
See what drives the benefit quality score
This separate score uses reviewed current terms only. It requires the employer contribution plus at least three other documented benefit measures. Missing terms are excluded, not treated as poor benefits.
For most participants, Microsoft contributes $0.50 for every $1 of eligible pre-tax or Roth contributions, matching contributions up to 50% of the annual IRS employee-contribution limit.
Check the source ↓Assumes you contribute enough to earn the full match (50% of pay). Eligibility and annual limits can change the amount.
Participants are fully vested in their plan accounts at all times.
Microsoft pays administrative expenses not paid or offset by the plan.
Participants direct their accounts among mutual funds, collective trusts, separately managed accounts, and an optional brokerage account.
Regular and retail-services employees of participating employers on U.S.
Automatic enrollment and auto-increase features usually help more employees save consistently.
Available. Participants may contribute on a pre-tax and/or Roth basis, subject to plan and IRS limits.
Up 9.9% over the filing history shown.
Participation down 2.8% · assets up 46.3% · loans 0.3% of assets
How this is calculated →See score distributions →Current terms to confirm: automatic enrollment
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 Microsoft'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$11,500/year
- Your annual contribution
- $42,500
- Possible maximum
- $11,500
- Potentially unclaimed
- $0
Contributing about 50% of eligible pay captures the documented maximum under this simplified estimate.
Vesting: Participants are fully vested in their plan accounts at all times.
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 · 202567out of 100 among similar-size plans in the same industry when enough peers exist
How this filing compares
Reported employer contributions94th percentileTypical peer $2,970 · based on 390 comparable plans
Lower reported administrative expense3rd percentileTypical peer $60 · based on 387 comparable plans
This comparison uses historical filing figures. It does not compare current match formulas, vesting, investments, or employee fees.
Peer-group method: 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, 2025, MICROSOFT CORPORATION reported $1,179,291,008 in employer contributions across this plan, or $10,211 per active participant. This is the best company-wide filing average available—not a promise of what any one employee receives.
Down 2.8% 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
- $1,179,291,008 $10,211 per active participant
- Participant contributions
- $3,071,800,398
- Other contributions
- $436,246,841 Amounts not classified as employer or participant contributions
- Employer share of contributions
- 25.2%
- Active participants
- 115,488 Very large plan
- Total participants
- 184,329 183,509 at the beginning of the year
- Ending assets
- $77,853,223,310 $422,360 per participant
- Net-asset change
- Up 46.3% Not the same as investment performance
- Beginning net assets
- $65,624,033,827
- Ending net assets
- $77,813,570,343
- Beginning liabilities
- $21,977,811
- Ending liabilities
- $39,652,967
- Total income
- $17,085,562,474
- Total expenses
- $4,896,025,958
- Administrative expenses
- $42,959,933 $233 per active participant
- Participant loans
- $260,395,359 0.3% 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.
2023
$9,295
2024
$9,360
2025
$10,211
2023
$125
2024
$182
2025
$233
2023
118,818
2024
123,878
2025
115,488
2023
$53,225,853,429
2024
$65,646,011,638
2025
$77,853,223,310
2023
0.4%
2024
0.4%
2025
0.3%
| Plan year | Employer money per active participant | Active participants | Plan assets |
|---|---|---|---|
| 2025 | $10,211 | 115,488 | 77.9B |
| 2024 | $9,360 | 123,878 | 65.6B |
| 2023 | $9,295 | 118,818 | 53.2B |
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
- 0.3%
- Independent accountant’s opinion
- Unqualified opinion Code 1
- Late participant contributions reported
- Yes · $46,597A “yes” needs context and is not, by itself, proof of wrongdoing.
- Loan defaults reported
- 0
- Lease defaults reported
- 0Only a small number of filings report these events.
- Nonexempt transactions reported
- 0
- Public plan identifier
- 911144442-001
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
- 12$41,328,903 in separately reported direct compensation
- Insurance contracts
- 7People covered not reported
- Pooled investment entities
- 20$54,221,641,538 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, 1987
- Industry
- Information
- Amended filing
- No
- Final filing for this plan
- No
- Short plan year
- No
- 401(k) feature reported
- Yes
Show DOL characteristic codes
2E2F2G2I2J2K2O2R2T3H
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 |
|---|---|---|---|---|---|
| BLACKROCK INSTITUTIONAL TRUST CO. | other | Tentative | 2024 | Not reported | unknown |
| GEODE CAPITAL MANAGEMENT | other | Tentative | 2024 | Not reported | unknown |
| THE VANGUARD GROUP, INC. | 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
- For most participants, Microsoft contributes $0.50 for every $1 of eligible pre-tax or Roth contributions, matching contributions up to 50% of the annual IRS employee-contribution limit. The maximum $11,500 match shown for 2024 changes with the IRS limit. InXile and Double Fine participants were subject to a lower 25% formula.
- Eligibility
- Regular and retail-services employees of participating employers on U.S. payroll who are at least 18 may enroll at any time.
- Vesting
- Participants are fully vested in their plan accounts at all times.
- Investment information
- Participants direct their accounts among mutual funds, collective trusts, separately managed accounts, and an optional brokerage account. New contributions to Microsoft common stock have not been allowed since 2016.
- Roth contributions
- Available. Participants may contribute on a pre-tax and/or Roth basis, subject to plan and IRS limits.
- Participant fees
- Microsoft pays administrative expenses not paid or offset by the plan. Participants pay fees for services they use, including loans, domestic-relations-order reviews, some check services, professional management, and Microsoft-stock trading commissions.
Not covered by the source: 1 item
automatic enrollment. Check the latest summary plan description or enrollment materials for these details.
Source: Microsoft Corporation Savings Plus 401(k) Plan — 2024 Form 11-K ↗ · dated Dec 31, 2024
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
Microsoft 401(k) questions
What is Microsoft's 401(k) match?
The reviewed current source says: For most participants, Microsoft contributes $0.50 for every $1 of eligible pre-tax or Roth contributions, matching contributions up to 50% of the annual IRS employee-contribution limit. The maximum $11,500 match shown for 2024 changes with the IRS limit. InXile and Double Fine participants were subject to a lower 25% formula.
How much employer money did Microsoft report adding?
For 2025, the selected filing reports $1,179,291,008 in employer contributions, or $10,211 per active participant. This is a plan-level historical figure, not a personal match quote.
What is Microsoft's 401(k) vesting schedule?
The reviewed current source says: Participants are fully vested in their plan accounts at all times.
What are Microsoft's 401(k) fees?
The reviewed current source says: Microsoft pays administrative expenses not paid or offset by the plan. Participants pay fees for services they use, including loans, domestic-relations-order reviews, some check services, professional management, and Microsoft-stock trading commissions.
Can I use this page to compare Microsoft 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.
Filing ACK_ID20260724135502NAL0012679475001
Data sourceDOL Form 5500 bulk data ↗
Filing searchEFAST2 ↗