Choose two employers. We will compare current terms where they are documented, estimate employer dollars using your assumptions, and keep historical filing measures separate.
Use your numbers
What could each 401(k) add to the offer?
Enter the salary, contribution, and time you expect to stay. The estimate uses only documented employer formulas; missing terms remain missing.
Vesting-adjusted value cannot be compared until both vesting schedules are documented.
This compares employer retirement money only—not salary, taxes, health insurance, bonuses, or equity.
EstimateAMAZON.COM SERVICES, LLCWALMART INC.
Estimated employer money each year$2,000$6,000
Possible first-year employer moneyNot availableNot available
Your contribution each year$6,000$6,000
Employer money vested when you leaveNot available$18,000
AMAZON.COM SERVICES, LLC: what to confirm
Match: Amazon matches 50% of employee contributions through 4% of eligible pay—a maximum company match equal to 2% of eligible pay. Catch-up contributions are not matched.
Vesting: The company match becomes fully vested after three years of vesting service. A vesting year generally requires 1,000 hours of service in a calendar year.
Eligibility: The published terms apply to eligible U.S. employees outside Hawaii. Benefits can vary by location, scheduled hours, length of employment, and seasonal or temporary status.
Employee fees: Ask for the participant fee disclosure.
WALMART INC.: what to confirm
Match: After one year of employment, Walmart matches 100% of participant contributions up to 6% of annual eligible earnings.
Vesting: Company matching contributions are immediately 100% vested.
Eligibility: Ask when contributions and the match begin.
Employee fees: Ask for the participant fee disclosure.
This is a planning estimate, not a benefit determination. Compensation definitions, contribution timing, annual limits, true-ups, employee groups, and plan changes can affect the result. Confirm the current terms with each employer.
Plain-English comparison
Where each plan appears stronger
There is not enough reviewed current information to compare overall benefit quality.
There is not enough comparable data to name a plan-health leader.
AMAZON.COM SERVICES, LLC ranks higher for reported employer contributions.
AMAZON.COM SERVICES, LLC ranks better for lower reported administrative cost.
AMAZON.COM SERVICES, LLC currently has more reviewed benefit details.
This is evidence triage, not a recommendation. Current plan terms and the overall job offer still matter.
AMAZON.COM SERVICES, LLC
AMAZON 401(K) PLAN
2023 filing
Plan health score
63/100 · FairHigh confidence based on 7 available measures.
Current benefit quality
54/100 · FairMedium confidence based on 4 reviewed terms.
Current benefits verified
4 of 7Coverage shows what is documented. It does not improve the health score by itself.
Employer money
Current terms verifiedAmazon matches 50% of employee contributions through 4% of eligible pay—a maximum company match equal to 2% of eligible pay. Catch-up contributions are not matched.
Potential employer value
$2,000 a year at $100,000 paySpecial limits and eligibility rules may apply.
Vesting
Current terms verifiedThe company match becomes fully vested after three years of vesting service. A vesting year generally requires 1,000 hours of service in a calendar year.
Participation
90% proxy1,209,303 active participants ÷ 1,336,478 total participants at year-end.
Plan-paid costs
$4 per participantFund expenses and employee-level fees may not appear in the filing.
Performance
Investment returns not reportedAsset changes can reflect contributions, withdrawals, transfers, and markets, so we do not present them as performance.
Longer bars mean more, not necessarily better. Costs are one area where lower may be preferable.
History, not a snapshot
AMAZON.COM SERVICES, LLC
Employer money per active participant
2022
$672
2023
$710
Administrative cost per participant
2022
$4
2023
$4
Active participants
2022
1,103,349
2023
1,209,303
Total plan assets
2022
$17,732,345,025
2023
$26,152,051,943
Participant loans as a share of assets
2022
1.5%
2023
1.3%
WALMART INC.
Employer money per active participant
2022
Not reported
2023
Not reported
2024
Not reported
Administrative cost per participant
2022
$5
2023
$2
2024
$6
Active participants
2022
272
2023
237
2024
192
Total plan assets
2022
$3,578,514
2023
$3,957,535
2024
$4,293,725
Participant loans as a share of assets
2022
0.1%
2023
0.0%
2024
0.0%
Read this comparison carefully
Reported employer contributions are plan-wide totals divided by active participants—not match formulas. The participation figure is a filing-based proxy, not an employee survey. Lower reported administrative expenses do not prove lower total employee costs.
Amazon vs. Walmart 401(k): Match, Fees, Vesting and Plan Review | 401(k) Plan Report