UBS 401(K) PLAN TRUST Contribution & Employer Match

How UBS AG Supports Your Retirement Savings

UBS AG provides retirement savings benefits through UBS 401(K) PLAN TRUST. 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.

UBS 401(K) PLAN TRUST Average Participant Retirement Account Value

In 2024, the average participant retirement account value for UBS 401(K) PLAN TRUST is $317,226.00

UBS 401(K) PLAN TRUST Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for UBS 401(K) PLAN TRUST is $12,070.00. 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.
772,531.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 12,070.00 in UBS 401(K) PLAN TRUST, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in UBS 401(K) PLAN TRUST

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.

UBS 401(K) PLAN TRUST Total Employer Contribution and Match Rate

In 2024, UBS 401(K) PLAN TRUST allocates $217,738,176.00 to match its employees’ contributions, providing an employer match rate of 57.04% of their contributions

UBS 401(K) PLAN TRUST Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in UBS 401(K) PLAN TRUST is approximately $6,767.00
Investing in this additonal $6,767.00 for 20 years would give you extra $433,107.00, 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.

UBS 401(K) PLAN TRUST Contribution & Match Policy

UBS 401(K) PLAN TRUST Plan Policies

UBS 401(K) PLAN TRUST Contribution, Match and Other Plan Policies

  • Plan participants may elect to contribute to the Plan on a pre-tax, after-tax, and/or Roth basis, an amount ranging from 1% to 85% of their eligible compensation, including from 1% to 85% of their discretionary annual incentive bonus, subject to the maximum allowable contribution limit established by the Code.
  • The maximum allowable combined pre-tax and Roth 401(k) contributions was $23,000 for 2024 as a result of the Economic Growth and Tax Relief Reconciliation Act, the maximum allowable combined pre-tax and Roth 401(k) contributions for participants who attained age 50 on or before December 31, 2024 was $30,500.
  • Subject to certain limitations, the Company contributes an amount (the Company Match) up to 100% of the first 6% of each participants eligible annual compensation which the participant contributes to the Plan for Plan years starting in 2017.
  • The Plan had a $3,000 annual maximum limit for 2017 and $4,500 for 2018, 5,850 for 2019 and $8,000 for 2020 and thereafter.
  • There is a three-year cliff vesting requirement and an end of year employment requirement on the Company Match.
  • Participants are fully vested in their Employee Account.
  • A participant becomes 100% vested in his or her Company Account after three years of service, or, while in service as an employee: attaining age 65, attaining age 55 with 10 years of service, becoming totally and permanently disabled, or upon death.

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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