AT&T 401(k) match, vesting and fees
What AT&T's 401(k) plan says about matching contributions
Plan features
Match, vesting and enrollment details have not been published from this plan's audit report yet. The figures below come from the structured filing.
| Recordkeeper | Fidelity Investments Institutional | Schedule C ↗ |
| Independent auditor | Forvis Mazars, LLP (unmodified opinion) | Schedule H ↗ |
| Plan type and status | 401(k) · Active | Form 5500 ↗ |
How the plan compares
Plan year 2024 medians for 14 defined-contribution plans in information with 50,000 or more participants.
| AT&T: employer contribution per participant | $2,782 | |
| Peer median | $3,236 |
| AT&T: average balance | $228,576 | |
| Peer median | $164,552 |
| AT&T: admin expenses ÷ assets | 0.04% | |
| Peer median | 0.03% |
Admin expenses are the plan's reported administrative expenses divided by its assets; they do not include fund expense ratios.
Plan history
Plan assets went from $40B at the end of plan year 2023 to $43.1B at the end of plan year 2024.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2024 | 192,505 | $43.1B | $525M | $2,782 | 0.04% | Not published | Form 5500 ↗ |
| 2023 | 203,226 | $40B | $531M | $2,677 | 0.04% | Not published | Form 5500 ↗ |
Other AT&T plans (4)
Each plan files its own Form 5500. Figures are from each plan's latest filing.
AT&T Savings and Security Plan
Plan features
Match, vesting and enrollment details have not been published from this plan's audit report yet. The figures below come from the structured filing.
| Recordkeeper | Fidelity Investments Institutional | Schedule C ↗ |
| Independent auditor | Forvis Mazars, LLP (unmodified opinion) | Schedule H ↗ |
| Plan type and status | 401(k) · Active | Form 5500 ↗ |
AT&T Puerto Rico Retirement Savings Plan
Plan features
Match, vesting and enrollment details have not been published from this plan's audit report yet. The figures below come from the structured filing.
| Recordkeeper | Fidelity Investments Institutional | Schedule C ↗ |
| Independent auditor | Forvis Mazars, LLP (unmodified opinion) | Schedule H ↗ |
| Plan type and status | Profit-sharing · Active | Form 5500 ↗ |
AT&T Pension Benefit Plan
Plan features
Match, vesting and enrollment details have not been published from this plan's audit report yet. The figures below come from the structured filing.
| Independent auditor | Forvis Mazars, LLP (unmodified opinion) | Schedule H ↗ |
| Plan type and status | Pension (defined benefit) · Active | Form 5500 ↗ |
AT&T Puerto Rico Pension Benefit Plan
Plan features
Match, vesting and enrollment details have not been published from this plan's audit report yet. The figures below come from the structured filing.
| Independent auditor | Forvis Mazars, LLP (unmodified opinion) | Schedule H ↗ |
| Plan type and status | Pension (defined benefit) · Active | Form 5500 ↗ |
Common questions
Does AT&T match 401(k) contributions?
The match terms for the AT&T Retirement Savings Plan have not been published from its filing yet. The plan year 2024 filing reports $525M in employer contributions, about $2,782 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the AT&T 401(k) match vested?
The vesting schedule for the AT&T Retirement Savings Plan is not in the data published so far. Your Summary Plan Description states it.
Who manages the AT&T 401(k)?
The recordkeeper listed on Schedule C of the plan year 2024 filing is Fidelity Investments Institutional. The plan administrator is AT&T Services, Inc..
I left AT&T. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (AT&T Services, Inc., (210) 886-5920) or the recordkeeper, Fidelity Investments Institutional. The AT&T old 401(k) page lists the contacts from every plan filing. Find an old AT&T 401(k)
Data from the public Form 5500 annual reports AT&T filed with the U.S. Department of Labor (plan years 2023 and 2024) and, where noted, the attached independent auditor's report. Plan terms may have changed since the filing; check your current Summary Plan Description. PlanFacts is not affiliated with AT&T. Not financial advice. Report a correction · Methodology