GM FINANCIAL EMPLOYEES 401K PLAN Contribution & Employer Match

How GENERAL MOTORS FINANCIAL COMPANY, INC Supports Your Retirement Savings

GENERAL MOTORS FINANCIAL COMPANY, INC provides retirement savings benefits through GM FINANCIAL EMPLOYEES 401K PLAN. Understanding your employer’s contribution structure is essential — it directly affects how quickly your retirement nest egg grows. Below you will find the plan’s average account values and contribution patterns based on publicly filed data.

GM FINANCIAL EMPLOYEES 401K PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for GM FINANCIAL EMPLOYEES 401K PLAN is $125,999.00

GM FINANCIAL EMPLOYEES 401K PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for GM FINANCIAL EMPLOYEES 401K PLAN is $7,020.00. If you contribute an amount exceeding this, you have saved more than your colleagues. Congratulations! Keep up the good work. Otherwise, you might want to consider contributing more to ensure a better retirement future.
449,319.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 7,020.00 in GM FINANCIAL EMPLOYEES 401K PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in GM FINANCIAL EMPLOYEES 401K PLAN

An employer match is one of the most valuable benefits in any 401(k) plan — it is essentially free money added to your retirement savings. Your employer contributes additional funds based on a percentage of your own contributions. Missing out on the full match is one of the most common and costly retirement mistakes employees make.

GM FINANCIAL EMPLOYEES 401K PLAN Total Employer Contribution and Match Rate

In 2024, GM FINANCIAL EMPLOYEES 401K PLAN allocates $33,129,026.00 to match its employees’ contributions, providing an employer match rate of 56.16% of their contributions

GM FINANCIAL EMPLOYEES 401K PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in GM FINANCIAL EMPLOYEES 401K PLAN is approximately $3,942.00
Investing in this additonal $3,942.00 for 20 years would give you extra $252,351.00, assuming a 10% annual return.

* Data are from public filings.

Are You Leaving Dollars on the Table?

If you are not contributing enough to capture the maximum employer match, you are literally turning down part of your compensation. For many plans, this can mean thousands of dollars per year in lost employer contributions — money that would compound over decades.

Use the policy details and calculator below to find out exactly how much you need to contribute to capture every dollar of employer matching.

GM FINANCIAL EMPLOYEES 401K PLAN Contribution & Match Policy

GM FINANCIAL EMPLOYEES 401K PLAN Plan Policies

GM FINANCIAL EMPLOYEES 401K PLAN Contribution, Match and Other Plan Policies

  • Participants may contribute up to 50% of their eligible annual compensation as defined in the Plan in the form of either pre-tax or Roth contributions, subject to the annual Federal limit of $23,000 in 2024.
  • Eligible participants age 50 or over may make additional catch-up contributions up to the statutory limit of $7,500 in 2024.
  • Eligible participants are automatically enrolled at a 3% contribution rate which may be changed at their discretion to 0% if they choose not to contribute to the Plan.
  • In addition, a participant’s contribution rate is automatically increased by 1% annually based on enrollment date, until the participant’s contribution reaches 6%.
  • At their discretion, participants are allowed to decline the automatic increase.
  • The discretionary matching contribution was 100% of the first 5% of each participant’s deferral contribution for the 2024 Plan year.
  • If a participant terminates employment due to retirement, death or disability, the participant will be 100% vested in their account.
  • If a participant terminates employment prior to normal retirement age for any reason other than death or disability, Company matching contributions and any earnings thereon are subject to vesting requirements based upon years of service of 1,000 hours or more.
  • Participants become 33% vested in Company matching contributions and related earnings thereon upon completion of one year of service and 67% vested in Company matching contributions and related earnings thereon upon completion of two years of service.
  • Participants are fully vested upon completion of three years of service.

2025 IRS 401(k) Contribution Limits

The IRS sets annual limits on how much you and your employer can contribute to a 401(k) plan. Knowing these limits helps you maximize tax-advantaged savings. Here are the current limits:

 20242025
Employee elective deferrals (pretax + Roth)$23,000$23,500
Employee + employer contributions combined$69,000$70,000
Catch-up contributions (age 50+)$7,500$7,500
Enhanced catch-up (ages 60–63, SECURE 2.0)N/A$11,250

The power of maxing out: If you contribute the full $23,500 annually for 20 years at a 10% average annual return, you would accumulate approximately $1,505,256. If you can maximize the combined employee+employer limit of $70,000 per year, that grows to roughly $4,480,385 over the same period — more than triple.

Use the 401(k) Savings Calculator to model your specific contribution scenario and see how your savings can grow over time.

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