Lincoln 401(k) match, vesting and fees
What Lincoln'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.
| Plan type and status | 401(k) · Active | Form 5500 ↗ |
How the plan compares
Plan year 2025 medians for 104,026 defined-contribution plans in health care and social assistance with fewer than 100 participants.
| Lincoln: employer contribution per participant | $699 | |
| Peer median | $1,871 |
| Lincoln: average balance | $51,344 | |
| Peer median | $55,215 |
| Lincoln: admin expenses ÷ assets | 0.04% | |
| Peer median | 0.45% |
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 $754K at the end of plan year 2021 to $822K at the end of plan year 2025.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2025 | 67 | $822K | $11K | $699 | 0.04% | Not published | 5500-SF ↗ |
| 2024 | 69 | $833K | $13K | $640 | 0.01% | Not published | 5500-SF ↗ |
| 2023 | 65 | $737K | $13K | $672 | 0.04% | Not published | 5500-SF ↗ |
| 2022 | 58 | $614K | $13K | $656 | 0.02% | Not published | 5500-SF ↗ |
| 2021 | 57 | $754K | $7,965 | $379 | 0.18% | Not published | 5500-SF ↗ |
Other Lincoln plans (2)
Each plan files its own Form 5500. Figures are from each plan's latest filing.
Lincoln Non-Union 403b 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 | American United Life Insurance Co | Schedule C ↗ |
| Independent auditor | Harrington Group Cpa LLP (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | 403(b) · Active | Form 5500 ↗ |
Lincoln Non-Union Pension 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 | American United Life Insurance Co | Schedule C ↗ |
| Independent auditor | Harrington Group Cpa LLP (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | Retirement · Active | Form 5500 ↗ |
Common questions
Does Lincoln match 401(k) contributions?
The match terms for the Lincoln Union 401k Plan have not been published from its filing yet. The plan year 2025 filing reports $11K in employer contributions, about $699 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the Lincoln 401(k) match vested?
The vesting schedule for the Lincoln Union 401k Plan is not in the data published so far. Your Summary Plan Description states it.
Who manages the Lincoln 401(k)?
The filing names Lincoln as plan administrator; it does not list a recordkeeper.
I left Lincoln. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (Lincoln, (510) 273-4700). The Lincoln old 401(k) page lists the contacts from every plan filing. Find an old Lincoln 401(k)
Data from the public Form 5500 annual reports Lincoln filed with the U.S. Department of Labor (plan years 2021 and 2022 and 2023 and 2024 and 2025) 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 Lincoln. Not financial advice. Report a correction · Methodology