401(k) Matches at the Largest U.S. Retailers - How Do They Compare to Yours?

How does your employer's 401(k) match compare to the largest U.S. retailers?

I gathered data from public filings and company websites to build the comparison below.

Surprisingly, it was difficult to find and verify this information - especially the vesting schedules.

Some companies, like Walmart and Home Depot, are transparent about their 401(k) formulas and vesting schedules. Others? You’ll need to dig through SEC filings—or worse, incomplete third-party sites. Even then, some details like vesting schedules are missing or vague.

Why Does the 401(k) Match Matter?

If you are seeking an hourly wage retail job, you're likely considering a few of the major retailers that fill our towns and suburbs. It's difficult to compare what each compensation package offers as there is more than just hourly rate which tend to be similar in each market. You want to consider:

• 💰 401(k) Matching Contributions

• 🩺 Health Insurance

• 📈 Stock Purchase Plans

• 🏖️ PTO & Holidays

• 🎓 Tuition Support

• 🛍️ Store Discounts

  
  

If you’re choosing between retail employers, benefits like 401(k) contributions shouldn’t be an afterthought. They’re a key part of total compensation—and every dollar counts.

If I missed something or you have better source info, shoot me a DM and I’ll update the table. Let’s make this info easier for everyone to find.

Thanks for reading,

Mark Chisenhall, CFA

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Taurus Financial Planning is a Flat-Fee financial planning firm based in Bentonville, AR. The firm offers comprehensive financial planning, tax planning and investment guidance to corporate executives across the country.

Taurus Financial Planning is a Registered Investment Advisor with the State of Arkansas. This information is provided as a guide to assist you in your financial planning. The specific examples are provided for illustration purposes only and are not representative of specific investments or guarantees of future returns. Please consult with a professional for specific questions regarding your particular situation. If there is any error or inconsistency between this document and the official company plan documents, your company plan documents will govern.

This publication is for informational purposes only and is not intended as tax, accounting or legal advice or as an offer or solicitation of an offer to buy or sell or as an endorsement of any company security fund or other securities or non securities offering. This publication should not be relied upon as the sole factor in an investment making decision. Past performance is no indication of future results. Investment in securities involves significant risk and has the potential for partial or complete loss of funds invested. It should not be assumed that any recommendations made by the Author, in the future, will be profitable or equal the performance noted in this publication.