THE OFFICE INDEX
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Companies with the best 401(k) match

The most the company puts into an employee’s 401(k) (or national equivalent), as a % of pay — the match plus any automatic company contribution.

Companies ranked
20
No. 1
Pfizer
Middle of the pack
5%
Updated
2026
  1. Mastercard headquarters No. 2 Mastercard 10% 10% retirement matching · United States (global minimum 10% of base pay) · Purchase, New York
  2. Pfizer headquarters No. 1 Pfizer 13.5% 4.5% match + 5–9% automatic contribution (up to 13.5%) · United States; automatic contribution varies 5–9% · New York, New York
  3. Visa headquarters No. 2 Visa 10% 200% of first 5% (10% of pay, 2025) · United States · San Francisco, California

Full ranking

  1. 1 Pfizer 4.5% match + 5–9% automatic contribution (up to 13.5%) · United States; automatic contribution varies 5–9% 13.5%
  2. 2 Mastercard 10% retirement matching · United States (global minimum 10% of base pay) 10%
  3. 2 Visa 200% of first 5% (10% of pay, 2025) · United States 10%
  4. 4 Bank of America 5% match + 2–3% annual contribution (up to 8%) · United States; 3% annual contribution depends on years of service 8%
  5. 4 Goldman Sachs 6% match + 2% fixed contribution (pay under $125,000) · United States; 2% fixed only if pay < $125,000; extra up-to-$4,000 contribution not included; match capped at $12,500 8%
  6. 4 JPMorganChase 5% match + 3% automatic credit (up to 8%) · United States; credit for staff earning under $350,000, on pay capped at $100,000; match after one year 8%
  7. 7 Dell Technologies 100% match up to 6% (max $7,500) · United States 6%
  8. 7 Eli Lilly and Company up to 6% match · United States 6%
  9. 7 Walmart 6% match · United States 6%
  10. 10 IBM 5% automatic company credit (no match) · United States (2024 guide); Retirement Benefit Account core contribution 5%
  11. 10 Starbucks up to 5% match · United States 5%
  12. 10 Target 5% match · United States 5%
  13. 13 AMD 75% of first 6% (4.5% of pay) · United States 4.5%
  14. 14 Atlassian 4% match · United States 4%
  15. 14 HP Inc. 100% of first 4% · United States 4%
  16. 14 Zillow 4% match · United States 4%
  17. 17 The Coca-Cola Company 3.5% match (separate 5.5% cash-balance pension credit not included) · United States; 100% of first 1% + 50% of next 5% 3.5%
  18. 18 Expedia Group 50% of first 6% (3% of pay) · United States 3%
  19. 18 Oracle 50% of first 6% (3% of pay) · United States 3%
  20. 18 Workday 50% of first 6% (3% of pay) · United States 3%

Not published (299): NVIDIA, Microsoft, Apple, Google, Amazon, Meta, Broadcom, Tesla, Netflix, Salesforce, Adobe, Cisco, Intel, Qualcomm, ServiceNow, Intuit, Uber, ASML, Spotify, Shopify, SAP, Airbnb, Sony Group, TSMC, Samsung Electronics, Toyota Motor Corporation, Nintendo, Costco Wholesale, Nike, PepsiCo, Procter & Gamble, The Walt Disney Company, LVMH, L'Oréal, Nestlé, Novo Nordisk, Johnson & Johnson, Bloomberg, Snap, HubSpot, Pinterest, Dropbox, Autodesk, Cloudflare, Palo Alto Networks, PayPal, Block, Stripe, eBay, Etsy, Booking Holdings, Electronic Arts, DoorDash, Lyft, Twilio, Warner Bros. Discovery, Comcast, McDonald's, The Home Depot, adidas, Unilever, H&M Group, Inditex, Fast Retailing (UNIQLO), The LEGO Group, Volkswagen Group, BMW Group, Ford Motor Company, Honda, Hyundai Motor Company, Ferrari, Porsche, Boeing, Airbus, 3M, Honeywell, Siemens, Philips, General Motors, Roche, Novartis, AstraZeneca, GSK, Bayer, AT&T, Alibaba Group, TotalEnergies, ExxonMobil, Baidu, Tencent, JD.com, Rakuten Group, Panasonic, SoftBank Group, Mitsubishi Corporation, LY Corporation, Recruit Holdings, Mercari, CyberAgent, Shiseido, NTT, Deutsche Bank, Infosys, Klarna, Adyen, HSBC, Barclays, Ericsson, Zalando, Vodafone, Rolls-Royce, Carlsberg, A.P. Moller - Maersk, Heineken, RBC (Royal Bank of Canada), The Estée Lauder Companies, Under Armour, Fortinet, Hewlett Packard Enterprise, Take-Two Interactive, Duolingo, YouTube, Squarespace, Figma, Notion, Dyson, Telefónica, BASF, Macquarie Group, The Swatch Group, BBVA, Munich Re, Orange, ING Group, Michelin, Commonwealth Bank of Australia, Marriott International, Zurich Insurance Group, Audi, Lufthansa Group, General Mills, DHL Group, Vestas, Danone, KONE, Bosch, Burberry, American Airlines, Hilton, Capital One, Delta Air Lines, Banco Santander, Levi Strauss & Co., Kering, UBS, Sanofi, DBS Bank, Hermès, Diageo, Eni, Shell, Huawei, AXA, BNP Paribas, TD Bank Group (The Toronto-Dominion Bank), FedEx, Fujifilm, KDDI, Commerzbank, Mondelēz International, BHP, Dentsu, SEGA, United Airlines, Amgen, Wayfair, Kao, Square Enix, MongoDB, Best Buy, Lowe's, Bandai Namco, UniCredit, Yamaha, Intesa Sanpaolo, MIXI, ASOS, Xero, Kirin Holdings, Nokia, Asahi Group Holdings, Olympus, Daikin, ANA, Money Forward, Nissan, Sansan, DeNA, Accenture, NEC, Bridgestone, Denso, ZOZO, Cybozu, KOKUYO, Saint-Gobain, Okamura, Henkel, Obayashi, Sumitomo Corporation, Nikon, ITOKI, Mitsui & Co., ABN AMRO, ENGIE, Telenor, Rabobank, Société Générale, CaixaBank, Nordea, Pirelli, Repsol, Crédit Agricole, AkzoNobel, Wärtsilä, Continental, Morgan Stanley, Citigroup, BlackRock, American Express, lululemon athletica, Datadog, Moderna, T-Mobile US, GitHub, Pixar Animation Studios, Slack, PUMA, Canva, Revolut, BT Group, Takeda, Dassault Systèmes, Grab, Generali, PNC Financial Services, Sherwin-Williams, Weyerhaeuser, State Street, Union Pacific, John Deere, Cummins, McCormick, Norfolk Southern, Akamai, Duke Energy, Phillips 66, Sun Life, Swedbank, Eaton, Endesa, Thomson Reuters, Keurig Dr Pepper, Cboe Global Markets, Nutrien, Western Digital, Suncorp, Medibank, Darden Restaurants, Prologis, Lenovo, Imperial Oil, T. Rowe Price, Leidos, FIS, Cencora, Jabil, Edwards Lifesciences, Aflac, Molson Coors, CBRE, APA Corporation, AvalonBay Communities, Insight Enterprises, Walker & Dunlop, Group 1 Automotive, Fivetran, Glenmede, Davis Wright Tremaine, Whole Foods Market, Oberoi Realty, Goodyear, Bandwidth, Western Union, Halliburton, Aramark, Silicon Labs, MathWorks, M/I Homes. These companies don’t publish this figure, so we don’t rank them.

Questions

Which company has the highest maximum company 401(k) contribution?

Among the 20 companies on eciffo that publish it, Pfizer ranks first with 13.5% (4.5% match + 5–9% automatic contribution (up to 13.5%) · United States; automatic contribution varies 5–9%), followed by Mastercard (10%) and Visa (10%).

What is a typical maximum company 401(k) contribution at big companies?

The middle company in this ranking, Starbucks, has 5%. Half of the 20 ranked companies are above that and half below.

Where do these numbers come from?

The most the company puts into an employee’s 401(k) (or national equivalent), as a % of pay — the match plus any automatic company contribution. Companies that don’t publish the figure are not ranked; eciffo never estimates.

More rankings

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