What is the maximum percentage an employer can contribute as a match in a 401(k) plan?

The maximum percentage an employer can contribute as a match in a 401(k) plan varies by plan. This is because each employer has the discretion to design their matching contributions according to their specific 401(k) plan provisions. There is no federal cap on the matching percentage specifically; thus, some employers may choose to match a certain percentage of employee contributions, such as 50% or even 100% of the employee’s contribution up to a certain limit, while others may not match at all.

The actual percentage will depend on the plan's rules and the employer's policy, which can consider various factors including the company's overall compensation structure and budget. Therefore, it is essential for employees to review their specific 401(k) plan documents to understand how much their employer is willing to contribute.