AT&T SAVINGS AND SECURITY PLAN Contribution & Employer Match
How AT&T INC. Supports Your Retirement Savings
AT&T INC. provides retirement savings benefits through AT&T SAVINGS AND SECURITY 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.
AT&T SAVINGS AND SECURITY PLAN Average Participant Retirement Account Value
AT&T SAVINGS AND SECURITY PLAN Estimated Average Employee Contribution Amount
93,496.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 1,460.00 in AT&T SAVINGS AND SECURITY PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in AT&T SAVINGS AND SECURITY 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.
AT&T SAVINGS AND SECURITY PLAN Total Employer Contribution and Match Rate
AT&T SAVINGS AND SECURITY PLAN Estimated Average Employer Match
Investing in this additonal $745.00 for 20 years would give you extra $47,681.00, 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.
AT&T SAVINGS AND SECURITY PLAN Contribution & Match Policy
AT&T SAVINGS AND SECURITY PLAN Contribution, Match and Other Plan Policies
- Participants contribute to the Plan through payroll allotments.
- Participants may also contribute amounts representing distributions from other qualified defined benefit and defined contribution plans (rollovers).
- The Company contributes to the Plan by matching the participants’ contributions based on the provisions of the Plan.
- Company matching contributions are made solely in the form of shares of AT&T’s common stock held in an Employee Stock Ownership Plan (ESOP), which is part of the AT&T Shares Fund, within this Plan.
- Matching contributions made to the Plan can be immediately diversified into any of the fund options above.
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:
| 2024 | 2025 | |
|---|---|---|
| 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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