Benefits - Active
Career Development & Networking
Community support
Living and working in St. Louis
Living and working in Charlotte
Living and working in Salt Lake City
Dress Code
Return to Benefits home
Medical, dental and vision
Flexible spending accounts
Commuter benefit program
401(k) - Active
Disability, life and long-term care insurance
Legal services
Paid time off and holidays


With the Wells Fargo & Company 401(k) Plan, you can easily set aside dollars for your retirement and enjoy the following benefits:

  • Vesting. Your own contributions to the 401(k) Plan are always 100% vested. In addition, all team members participating in the Wells Fargo 401(k) Plan will be 100% vested in company matching contributions and Share Award contributions.

    Note: You will become 100% vested in your employer discretionary contributions after you complete three years of vesting service.

  • Catch-up contributions. If you are at least age 50 or will reach age 50 during the plan year, you may contribute before-tax catch-up, Roth catch-up contributions, or a combination of both to your Wells Fargo 401(k) Plan account up to the IRS limit.
  • Matching contributions. When you actively contribute to the 401(k) plan, you're eligible for company matching contributions dollar for dollar, up to 6% of your eligible pay (assuming that you meet all eligibility criteria). Company matching contributions begin the first day of the quarter after you complete one year of service.
  • Roth contributions. You can make Roth contributions to your Wells Fargo 401(k) Plan account, which are deducted on an after-tax basis.
  • Employer discretionary profit sharing contribution. Wells Fargo may - at its discretion - contribute up to 4% of your annual eligible pay based on company performance. All eligible team members will qualify, even if you do not contribute to the Wells Fargo 401(k) Plan.
  • Share Award. Wells Fargo may provide a discretionary contribution known as a "Share Award."

Take advantage of rollover contributions

You can roll over your 401(k) account from a previous employer's qualified plan or from an Individual Retirement Account (IRA) into the Wells Fargo 401(k) Plan.

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