Companies with the strongest documented 401(k) match
Match percentages are normalized to the maximum employer contribution as a share of eligible pay. Employee contribution requirements, caps, and group-specific rules still matter.
01
Boeing Co
For most nonunion employees, Boeing matches 100% of contributions up to 10% of eligible pay. Eligible student-loan payments can also count toward the company match. Union and employee-group formulas may differ.
7 of 7 current terms reviewed · source dated 2025-12-31
Sanofi contributes $1.50 for every $1 an employee saves through 6% of eligible pay—a maximum company match equal to 9% of eligible pay. Both pre-tax and Roth contributions qualify.
7 of 7 current terms reviewed · source dated 2025-12-31
HCA generally matches 100% of employee contributions from the first 3% up to 9% of pay, depending on years of vesting service. The exact maximum therefore varies by employee service level.
3 of 7 current terms reviewed · source dated 2025-12-31
USAA contributes $2 for every $1 an employee saves through 4% of eligible pay—a maximum company match equal to 8% of eligible pay. Both pre-tax and Roth employee contributions qualify.
3 of 7 current terms reviewed · source dated 2026-08-29
Garmin matches 75% of employee contributions on the first 10% of eligible pay. Contributing 10% earns a company match equal to 7.5% of eligible pay. Garmin may also make discretionary contributions.
6 of 7 current terms reviewed · source dated 2026-06-25
Intuit matches $1.25 for each dollar an employee contributes through 6% of eligible pay. Contributing 6% therefore produces a maximum match equal to 7.5% of pay. Credit Karma uses a separate dollar-for-dollar match through 6%.
2 of 7 current terms reviewed · source dated 2025-07-31
Marathon Petroleum contributes $1.17 for every $1 an employee contributes, up to 6% of eligible pay. Contributing 6% therefore earns a maximum company match equal to 7.02% of pay. Qualified student-loan payments can also earn matching contributions.
7 of 7 current terms reviewed · source dated 2025-12-31
BNY matches employee contributions dollar for dollar up to 7% of eligible base pay, subject to a $16,000 annual match limit. Eligible employees earning under $100,000 may also receive a $750 annual company contribution after one year of service.
7 of 7 current terms reviewed · source dated 2025-12-31
Beginning January 1, 2026, Bristol Myers Squibb matches employee contributions dollar for dollar up to 7% of eligible pay—a maximum match equal to 7% of pay. Eligible student-loan payments can also earn the match.
7 of 7 current terms reviewed · source dated 2025-12-31
After one year of service, KeyCorp matches employee contributions dollar for dollar through 7% of eligible pay. Contributing 7% earns the maximum match equal to 7% of pay.
7 of 7 current terms reviewed · source dated 2025-12-31
For non-union employees, Occidental contributes $2 for every $1 on the first 2% saved, then $1 for every $1 on the next 3%. Contributing 5% therefore earns a maximum match equal to 7% of pay; union formulas can differ.
7 of 7 current terms reviewed · source dated 2025-12-31
For employees in the standard non-variable formula, Honeywell matches 87.5% of contributions up to 8% of base pay—a maximum match equal to 7% of base pay. Some employee groups use different formulas. The annual standard match generally requires employment on December 15.
6 of 7 current terms reviewed · source dated 2024-12-31
Philips matches $1.50 per dollar on the first 4% of eligible pay an employee contributes, then 50 cents per dollar on the next 2%. An employee contributing 6% therefore receives a maximum match equal to 7% of eligible pay.
3 of 7 current terms reviewed · source dated 2026-08-29
For employees covered by the newer ASP+ provisions, AbbVie matches employee contributions dollar for dollar up to 6% of eligible pay. Employees under the earlier provisions received a 5% company contribution in 2025 after contributing at least 2%. ASP+ participants can also receive a separate annual contribution equal to 2% to 7% of pay based on age plus service.
7 of 7 current terms reviewed · source dated 2025-12-31
Boston Scientific contributes 200% on the first 2% an employee saves and 50% on contributions from 2% through 6%. Contributing 6% therefore earns the maximum company match equal to 6% of eligible pay.
7 of 7 current terms reviewed · source dated 2025-12-31
Cabot matches 100% of employee contributions up to 6% of eligible compensation and provides a year-end true-up so eligible participants receive the maximum match. Cabot also makes a 4% company retirement contribution.
7 of 7 current terms reviewed · source dated 2025-12-31
For most eligible employees, Caterpillar matches 100% of contributions up to 6% of eligible pay. Some employee groups receive 50% on contributions up to 6%. Caterpillar may also provide an annual contribution equal to 3%, 4%, or 5% of pay based on age and service.
7 of 7 current terms reviewed · source dated 2025-12-31
Citi matches employee contributions dollar for dollar through 6% of eligible pay—a maximum company match equal to 6% of pay. Eligible employees earning $100,000 or less may also receive a fixed contribution of up to 2% of pay.
7 of 7 current terms reviewed · source dated 2024-12-31
Corteva matches employee contributions dollar for dollar up to 6% of eligible pay. It also contributes 3% of eligible pay annually regardless of whether the employee contributes, subject to the plan's year-end employment rule.
7 of 7 current terms reviewed · source dated 2025-12-31
Duke Energy generally matches 100% of the first 6% an employee contributes—a maximum match equal to 6% of eligible pay. Eligible employees who are not in a pension plan also receive a 4% company retirement contribution. Some collectively bargained groups use different terms.
7 of 7 current terms reviewed · source dated 2025-12-31