Mastercard International 401(k) match, vesting and fees
What Mastercard International'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 | Voya Institutional Plan Services | Schedule C ↗ |
| Independent auditor | Crowe LLP (unmodified opinion) | Schedule H ↗ |
| Plan type and status | 401(k) · Active | Form 5500 ↗ |
How the plan compares
Plan year 2025 medians for 31 defined-contribution plans in finance and insurance with 10,000 to 49,999 participants.
| Mastercard International: employer contribution per participant | $11,921 | |
| Peer median | $4,274 |
| Mastercard International: average balance | $314,336 | |
| Peer median | $186,787 |
| Mastercard International: admin expenses ÷ assets | 0.04% | |
| Peer median | 0.04% |
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 $3B at the end of plan year 2021 to $4.6B at the end of plan year 2025.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2025 | 14,852 | $4.6B | $175M | $11,921 | 0.04% | Not published | Form 5500 ↗ |
| 2024 | 14,454 | $3.9B | $167M | $11,668 | 0.05% | Not published | Form 5500 ↗ |
| 2023 | 14,160 | $3.3B | $158M | $11,310 | 0.05% | Not published | Form 5500 ↗ |
| 2022 | 13,149 | $2.6B | $129M | $9,974 | 0.04% | Not published | Form 5500 ↗ |
| 2021 | 10,988 | $3B | $107M | $10,304 | 0.04% | Not published | Form 5500 ↗ |
Common questions
Does Mastercard International match 401(k) contributions?
The match terms for the Mastercard Savings Plan have not been published from its filing yet. The plan year 2025 filing reports $175M in employer contributions, about $11,921 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the Mastercard International 401(k) match vested?
The vesting schedule for the Mastercard Savings Plan is not in the data published so far. Your Summary Plan Description states it.
Who manages the Mastercard International 401(k)?
The recordkeeper listed on Schedule C of the plan year 2025 filing is Voya Institutional Plan Services. The plan administrator is Mastercard International Incorporated.
I left Mastercard International. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (Mastercard International Incorporated, (914) 249-2000) or the recordkeeper, Voya Institutional Plan Services. The Mastercard International old 401(k) page lists the contacts from every plan filing. Find an old Mastercard International 401(k)
Data from the public Form 5500 annual reports Mastercard International 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 Mastercard International. Not financial advice. Report a correction · Methodology