INTEL 401(K) SAVINGS PLAN Contribution & Employer Match

How INTEL CORPORATION Supports Your Retirement Savings

INTEL CORPORATION provides retirement savings benefits through INTEL 401(K) SAVINGS 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.

INTEL 401(K) SAVINGS PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for INTEL 401(K) SAVINGS PLAN is $298,469.00

INTEL 401(K) SAVINGS PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for INTEL 401(K) SAVINGS PLAN is $13,875.00. 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.
888,063.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 13,875.00 in INTEL 401(K) SAVINGS PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in INTEL 401(K) SAVINGS 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.

INTEL 401(K) SAVINGS PLAN Total Employer Contribution and Match Rate

In 2024, INTEL 401(K) SAVINGS PLAN allocates $570,462,285.00 to match its employees’ contributions, providing an employer match rate of 51.79% of their contributions

INTEL 401(K) SAVINGS PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in INTEL 401(K) SAVINGS PLAN is approximately $6,851.00
Investing in this additonal $6,851.00 for 20 years would give you extra $438,495.00, 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.

INTEL 401(K) SAVINGS PLAN Contribution & Match Policy

INTEL 401(K) SAVINGS PLAN Contribution, Match and Other Plan Policies

  • Eligible participants may make pre-tax deferrals, after-tax Roth 401(k) deferrals, after-tax deferrals or a combination of deferral types, up to 50% of their annual eligible compensation, provided the amounts do not exceed the annual IRS limits.
  • Participants who are 50 years of age or older by the end of a particular plan year are eligible to defer an additional portion of their annual compensation as catch-up deferrals, up to the annual IRS limit.
  • Participants may also contribute amounts representing distributions from other qualified defined benefit or defined contribution plans (rollover contributions).
  • An employee who becomes an eligible participant is automatically enrolled in the Plan at 5% of eligible compensation as soon as administratively possible, following 45 days after becoming an eligible employee, unless the participant makes an affirmative election to not enroll in the Plan.
  • The participant’s automatic enrollment election of 5% will increase by 2% effective the first payroll period ending on or after April 1 of the plan year following the plan year in which the eligible employee’s automatic enrollment begins and each successive year until a maximum election of 15% pre-tax deferral is reached, subject to certain limitations.
  • Eligible employees receive Company matching contributions with immediate eligibility.
  • The Company matching contribution made each payroll period was 100% of each eligible employee’s eligible elective deferrals up to 5% of eligible compensation through February 28, 2023 for exempt eligible employees and March 16, 2023 for non-exempt eligible employees.
  • Effective March 1, 2023 for exempt eligible employees and March 17, 2023 for non-exempt eligible employees the Company matching contribution was 100% of each eligible employee’s eligible elective deferrals up to 2.5% of eligible compensation.
  • Effective January 1, 2024, the Company matching contribution was 100% of each eligible employee’s eligible elective deferrals up to 7% of eligible compensation for the 2024 plan year.
  • Participants are immediately 100% vested with respect to employee deferrals, Company matching contributions and related earnings. Participants vest in their Discretionary Intel Contribution Account according to the following schedule:
  • Less than 3 years: 0%

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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