ONEOK, INC. 401(K) PLAN Contribution & Employer Match

How ONEOK, INC. Supports Your Retirement Savings

ONEOK, INC. provides retirement savings benefits through ONEOK, INC. 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.

ONEOK, INC. 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for ONEOK, INC. 401(K) PLAN is $260,727.00

ONEOK, INC. 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for ONEOK, INC. 401(K) PLAN is $13,053.00. If you contribute an amount exceeding this, you have saved more than your colleagues. Congratulations! Keep up the good work. Otherwise, you might want to consider contributing more to ensure a better retirement future.
835,413.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 13,053.00 in ONEOK, INC. 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in ONEOK, INC. 401(K) 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.

ONEOK, INC. 401(K) PLAN Total Employer Contribution and Match Rate

In 2024, ONEOK, INC. 401(K) PLAN allocates $68,040,000.00 to match its employees’ contributions, providing an employer match rate of 117.80% of their contributions

ONEOK, INC. 401(K) PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in ONEOK, INC. 401(K) PLAN is approximately $12,532.00
Investing in this additonal $12,532.00 for 20 years would give you extra $802,092.00, 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.

ONEOK, INC. 401(K) PLAN Contribution & Match Policy

ONEOK, INC. 401(K) PLAN Plan Policies

ONEOK, INC. 401(K) PLAN Contribution, Match and Other Plan Policies

  • An eligible employee can begin participation in the Plan as of their date of hire and is enrolled automatically at a 6% pretax contribution rate, unless the employee opts out of the Plan or elects a different contribution rate.
  • There is no minimum service or age requirement for participation (except for temporary employees and interns who are subject to certain service requirements).
  • Participants may make pretax and/or Roth 401(k) contributions of any whole percentage of their eligible compensation up to a combined maximum of 50% if certain contribution limitations are not exceeded.
  • In addition to pretax and/or Roth 401(k) contributions, participants may make after-tax contributions of any whole percentage of their eligible compensation up to a maximum of 6%.
  • Participants’ pretax contributions and/or Roth 401(k) contributions automatically increase annually by 1% until the participants’ contribution percentage reaches 10%.
  • Participants may opt out of the automatic increases or elect a different contribution rate.
  • Participants age 50 and older before the end of the calendar year may make an additional pretax or Roth 401(k) catch-up contribution in excess of the 2024 Internal Revenue Service (IRS) elective deferral limit of $23,000 and other applicable Plan limits.
  • The maximum catch-up contribution allowed in 2024 was $7,500.
  • Employees are eligible for Company matching contributions immediately upon enrollment in the Plan.
  • The Company matches pretax, Roth 401(k), catch-up and/or after-tax contributions up to a combined maximum of 6% of eligible compensation each pay period.
  • The Company also makes a "true-up matching contribution" equal to the first 6% of eligible compensation contributed by a participant for the Plan year, minus any matching contributions already made for the Plan year on the participant’s behalf.
  • Participants must be employed on the last day of the Plan year to receive a true-up matching contribution, unless they terminate employment during the Plan year due to death, total disability or retirement (provided the participant is at least age 50 with five consecutive years of service).
  • Company contributions to a participant account and dividends and interest, if any, attributable to the participant account are immediately and fully vested for the benefit of that participant upon receipt by the Plan Trustee (subject to subsequent loss, if any, through a decline in the market value of investments).

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:

 20242025
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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