Free · 516,794 plans graded

Is your 401(k)
any good?

See how much your employer really puts in, what the plan costs, and how it stacks up against similar companies. Every plan gets an A–F grade, built from public Department of Labor filings.

Data: U.S. Dept. of Labor Form 5500 · Plan year 2024 · Grades are estimates, not financial advice

Typical employer$1,852median employer contribution per active participant
Industry gap8×Finance & Insurance employers put in $3,180 per worker; accommodation & food services put in $398
No company money9%of graded plans reported $0 in employer contributions
Auto-enrollment29%of graded plans enroll workers automatically

See how famous employers stack up

ACostco$3,277 per workerCWalmart$1,104 per workerDAmazon$758 per workerAGoogle$10,505 per workerAMicrosoft$9,555 per workerBApple$7,241 per workerAMeta$12,186 per workerCTarget$913 per workerDHome Depot$685 per workerCStarbucks$813 per workerCJPMorgan Chase$6,806 per workerBKroger$1,074 per workerANetflix$10,127 per workerCNike$3,809 per workerBDelta$6,736 per worker

Employer contributions per active participant from each company's largest 401(k) plan filing, plan year 2024.

Leaderboards

Most generous big employers

Employer $ per worker, 10,000+ participants

  1. Delta Air Lines, Inc.$50,058
  2. United Airlines, Inc.$43,454
  3. American Airlines, Inc. - Retirement$41,080
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Lowest-cost large plans

Admin expenses paid from plan assets, 5,000+ participants

  1. Capital Group Companies, Inc.$2,225/yr
  2. Empower Retirement, LLC$3,211/yr
  3. Blackrock, Inc.$7,950/yr
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Highest average balances

Average account balance, 1,000+ participants

  1. Performance Contracting Group, Inc.$2,190,976
  2. Palo Alto Foundation Medical Group, Inc.$943,749
  3. Delta Air Lines, Inc.$908,787
See full ranking →

How every grade breaks down

1

Employer money (50 pts)

Company contributions per worker, ranked against the same industry and size.

2

Cost & saving (40 pts)

Admin costs as a share of assets, plus how much employees actually save.

3

Features & red flags

Points for auto-enrollment. Points off for late deposits and other compliance problems. Full method →

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