Northern Trust 401(k) match, vesting and fees
What Northern Trust'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 | Fid Inv Inst Ops Co | Schedule C ↗ |
| Independent auditor | Gjc Cpa'S & Advisors (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.
| Northern Trust: employer contribution per participant | $2,487 | |
| Peer median | $4,274 |
| Northern Trust: average balance | $258,758 | |
| Peer median | $186,787 |
| Northern Trust: 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 $3.1B at the end of plan year 2021 to $3.8B at the end of plan year 2025.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2025 | 14,565 | $3.8B | $36.1M | $2,487 | 0.04% | Not published | Form 5500 ↗ |
| 2024 | 13,997 | $3.3B | $34.1M | $2,448 | 0.05% | Not published | Form 5500 ↗ |
| 2023 | 14,154 | $2.9B | $33M | $2,353 | 0.05% | Not published | Form 5500 ↗ |
| 2022 | 14,170 | $2.5B | $29.5M | $2,105 | 0.07% | Not published | Form 5500 ↗ |
| 2021 | 13,170 | $3.1B | $27.6M | $2,129 | 0.07% | Not published | Form 5500 ↗ |
Other Northern Trust plans (1)
Each plan files its own Form 5500. Figures are from each plan's latest filing.
The Northern Trust Company 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 | Fidelity Investments Institutional | Schedule C ↗ |
| Independent auditor | George Johnson & Company (unmodified opinion) | Schedule H ↗ |
| Plan type and status | Pension (defined benefit) · Active | Form 5500 ↗ |
Common questions
Does Northern Trust match 401(k) contributions?
The match terms for the The Northern Trust Company Thrift-Incentive Plan have not been published from its filing yet. The plan year 2025 filing reports $36.1M in employer contributions, about $2,487 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the Northern Trust 401(k) match vested?
The vesting schedule for the The Northern Trust Company Thrift-Incentive Plan is not in the data published so far. Your Summary Plan Description states it.
Who manages the Northern Trust 401(k)?
The recordkeeper listed on Schedule C of the plan year 2025 filing is Fid Inv Inst Ops Co. The plan administrator is Employee Benefit Administrative Committee.
I left Northern Trust. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (Employee Benefit Administrative Committee, (312) 630-6000) or the recordkeeper, Fid Inv Inst Ops Co. The Northern Trust old 401(k) page lists the contacts from every plan filing. Find an old Northern Trust 401(k)
Data from the public Form 5500 annual reports Northern Trust 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 Northern Trust. Not financial advice. Report a correction · Methodology