MORGAN STANLEY 401(K) PLAN Contribution & Employer Match

How MORGAN STANLEY DOMESTIC HOLDINGS, LLC Supports Your Retirement Savings

MORGAN STANLEY DOMESTIC HOLDINGS, LLC provides retirement savings benefits through MORGAN STANLEY 401(K) 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.

* 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.

MORGAN STANLEY 401(K) PLAN Contribution & Match Policy

1. Employee Contributions:

• Contribution Options: Eligible participants may contribute 1% to 50% of their eligible pay as either before-tax or Roth after-tax contributions, subject to IRS limits ($20,500 for 2022).
• Catch-Up Contributions: Participants aged 50 or older by the end of 2022 may contribute an additional 1% to 50% as catch-up contributions, subject to IRS limits ($6,500 for 2022).
• Non-Roth After-Tax Contributions:
  • Non-highly compensated employees (earning less than $283,223 in 2021) may contribute 1% to 50% of their eligible earnings as non-Roth after-tax contributions.
  • Highly compensated employees (earning $283,223 or more in 2021) may contribute 1% to 8% of eligible earnings as non-Roth after-tax contributions starting January 1, 2022.
• Rollover Contributions: Participants may also contribute rollover distributions from other qualified retirement plans, except those sponsored by the Company and its affiliates.

2. Employer Contributions & Match:

• Company Match:
  • For employees with eligible pay under $275,000 (excluding Senior Advisors and Advisory Directors), the company provides a dollar-for-dollar match on before-tax and/or Roth after-tax contributions up to 5% of eligible pay, with a maximum match of $13,750 for 2022.
  • For employees with eligible pay under $100,000 or over $275,000 who are not eligible for a Fixed Contribution, the company provides a dollar-for-dollar match up to 4% of eligible pay, with a maximum match of $12,200 for 2022.
• Company Contributions Eligibility:
  • To be eligible for company contributions, participants must be actively at work or on authorized leave as of December 31 or have terminated employment due to retirement, release, total and permanent disability, or death.
  • Company contributions are credited during the first quarter of the following year.

3. Vesting and Eligibility:

• Eligibility for company contributions is dependent on being employed as of December 31 or having terminated employment under qualifying conditions during the year.
• Company contributions include discretionary matching contributions made by the Plan Sponsor.
• The plan’s investments include the Morgan Stanley Stock Fund, which is an employee stock ownership plan (ESOP) invested primarily in employer securities.

4. Roth 401(k):

• Participants may contribute to a Roth 401(k) on an after-tax basis.
• Roth contributions are eligible for the same employer match as pre-tax contributions.

Employer Stock Provisions:

• The Morgan Stanley Stock Fund is primarily invested in employer securities and is part of an employee stock ownership plan (ESOP).
• Eligible participants may elect to receive current cash dividend distributions from the Morgan Stanley Stock Fund.