What’s your company’s 401k and HSA matching policy? Helping my fund design one for us and our portcos. Any other big accounts to think about?

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6% 401k match once a year (in February, must be employed by firm on 12/31 to get match).

HSA match depends on the tier of healthcare you pick but it’s either $0, $150, or $400 for individuals.

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My company matches 3% and seeds$1200 in the HSA.

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50% 401k match up to 6% of your salary. No HSA match.

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401k - 1:1 match up to 6%, every pay cycle. True up done in Dec
HSA - Seed $1,000
Other - allows 15K after tax 401k to enable Mega Backdoor

$0.50 match for every pre-tax or Roth dollar saved, up to the IRS basic deferral limit. Your contribution as well as the Microsoft match are 100% vested from day one.

HSA contribution is $1,000/year. Not sure if different for families.

More on MS US benefits: https://careers.microsoft.com/us/en/usbenefits

Plus we allow mega backdoor up to the limit and auto-conversion to Roth

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