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.
EstimateTARGET CORPORATIONWALMART INC.
Estimated employer money each year$5,000$6,000
Possible first-year employer money$3,766Not available
Your contribution each year$5,000$6,000
Employer money vested when you leaveNot available$18,000
TARGET CORPORATION: what to confirm
Match: Target matches 100% of each team member’s contribution up to 5% of eligible earnings—a maximum employer match equal to 5% of eligible pay.
Vesting: Ask for the current vesting schedule.
Eligibility: The Target 401(k) Plan is available to team members after 90 days of employment.
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.
TARGET CORPORATION ranks higher for reported employer contributions.
WALMART INC. ranks better for lower reported administrative cost.
TARGET CORPORATION currently has more reviewed benefit details.
This is evidence triage, not a recommendation. Current plan terms and the overall job offer still matter.
TARGET CORPORATION
TARGET CORPORATION 401(K) PLAN
2024 filing
Plan health score
84/100 · ExcellentHigh confidence based on 6 available measures.
Current benefit quality
Not enough reviewed termsThe match plus at least three other current benefit measures must be documented.
Current benefits verified
3 of 7Coverage shows what is documented. It does not improve the health score by itself.
Employer money
Current terms verifiedTarget matches 100% of each team member’s contribution up to 5% of eligible earnings—a maximum employer match equal to 5% of eligible pay.
Potential employer value
$5,000 a year at $100,000 payContribute 5% to capture the documented maximum. Special limits and eligibility rules may apply.
Vesting
Not verifiedA dated plan document is still needed.
Participation
86% proxy427,999 active participants ÷ 495,482 total participants at year-end.
Plan-paid costs
$0 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
TARGET CORPORATION
Employer money per active participant
2022
$810
2023
$885
2024
$894
Administrative cost per participant
2022
$0
2023
$0
2024
$0
Active participants
2022
427,640
2023
402,673
2024
427,999
Total plan assets
2022
$11,216,824,857
2023
$13,008,265,857
2024
$14,419,645,154
Participant loans as a share of assets
2022
1.4%
2023
1.4%
2024
1.4%
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.
Target vs. Walmart 401(k): Match, Fees, Vesting and Plan Review | 401(k) Plan Report