Apple 401k Plan (2023 Investment Guide)

Summary: In this retirement guide I will be covering all the essential information about Apple’s 401k plan. If you are an employee or a retired employee of the company, this post is designed to help you understand the ins and outs of Apple’s retirement savings plan. The 401k plan is an excellent tool to prepare for retirement, and knowing how to get the most out of it is essential. But before I continue, you need to know that it’s not just for employees. This information is important for future and former employees as well.

This post will discuss how to log in to the Apple 401k plan, the matching program, investment options, contribution limits, and more. Whether you’re just starting with your retirement savings or have been contributing for a while, this post will provide valuable information to help you make informed decisions about your retirement savings. So, let’s dive in and learn more about Apple’s 401k plan.

What Is Apple?

Apple is a technology company that designs, develops, and sells consumer electronics, computer software, and online services. The company is best known for its popular products like the iPhone, iPad, and MacBook, as well as its operating system, macOS, and the App Store. Apple was founded in 1976 and is headquartered in Cupertino, California.

As of the end of 2021, Apple’s 401(k) plan had $16.7 billion in assets and 131,476 participants with account balances. The plan offers automatic enrollment at a contribution rate of 3% of eligible compensation, which increases by 1% annually until the employee reaches a 6% contribution rate. These contributions are invested in an appropriate BlackRock LifePath fund.

One of the notable features of Apple’s 401(k) plan is that there is no vesting period, which means that participants are fully vested in their plan accounts at all times. An employee contributes to a Roth or about 75% max of eligible compensation pre-tax, subject to the annual limits. After-tax contributions are limited to 20% of eligible compensation.

Apple matches employee contributions based on years of service. For employees with less than two years of service, the match is 50% of their contributions up to 6%. For those with two to five years of service, the match is 75%, and for those with over five years of service, the match is 100%.

The Apple 401(k) plan offers approximately 24 different investment options in the form of mutual funds, collective trusts, and separate accounts. Additionally, participants have the opportunity of opening a Schwab brokerage account. Great-West administers the plan.

Apple 401k Login

You can access the company by visiting the Fidelity NetBenefits website (

Enter your username and password in the corresponding fields.

Click on the “Log In” button.

Apple 401k Plan Name + Details

The official name of the 401k plan associated with Apple is the “Apple 401(k) Plan”. The plan offers automatic enrollment, with a default contribution rate of 3% of eligible compensation, which increases annually by 1% until the employee reaches a 6% contribution rate. An employee is fully vested in the plan at all times, at the same time, can contribute to a Roth or about 75% of eligible compensation pre-tax, subject to prescribed yearly limits. An after-tax contribution is also allowed, limited to 20% of eligible compensation.

Apple offers a matching contribution based on years of service, with employees who have been with the company for less than 2 years receiving a 50% match, those with 2-5 years receiving a 75% match, and those with more than 5 years receiving a 100% match of their contributions up to 6%. The retirement plan offers a variety of investment options, including mutual funds, collective trusts, separate accounts, Apple stock, and a Schwab brokerage account option, with administration provided by Great-West.

Apple EIN (Employer Identification Number)

Apple’s Employer Identification Number (EIN) is 94-2404110. Who Is The 401k Administrator of Apple?

Great-West Retirement Services is the administrator of Apple’s 401k plan. Great-West Retirement Services provides recordkeeping, administrative, and other related services to the plan. They are responsible for maintaining accurate participant records, processing contributions and distributions, and ensuring that the plan is in compliance with relevant laws and regulations.

Apple Contact Information

Country: One Apple Park Way Cupertino, CA 95014 USA

Phone: (408) 996–1010


How To Rollover An Apple 401k To a Gold IRA

Before initiating a rollover of an Apple 401k to a Gold IRA, it is important to consult with a financial advisor to ensure it aligns with your retirement goals and financial plan. Here are some general steps to consider:

Open a Gold IRA account with a reputable custodian that specializes in precious metals, such as gold or silver.

Contact the administrator of the Apple 401k plan to initiate a rollover. They will provide the necessary paperwork and instructions on how to proceed.

Once you receive the distribution from the Apple 401k plan, you will have 60 days to deposit the funds into the Gold IRA account (here’s how it works) to avoid taxes and penalties.

Work with the custodian to purchase gold or other precious metals to hold in the Gold IRA account.

Regularly review and monitor the Gold IRA account and its investments to ensure they align with your retirement goals and financial plan.


It is never too early to start saving for retirement. Contributing to a 401k and self-directed IRA can be a great way to build your retirement savings. Companies like Microsoft and Apple offer excellent 401k plans with matching contributions, and it is important to take advantage of these plans.

Additionally, converting your 401k to a gold IRA can provide an added layer of diversification and security for your retirement savings. Consider setting up a precious metals IRA account today to ensure that you are prepared for a comfortable retirement

Where To Move Your Apple Retirement Plan

If you’re looking to move your retirement plan from Apple, then my suggestion first suggestion would be to move it to one of the top precious metal companies out there today. This will give you an opportunity to hedge your investments and diversify your portfolio. The options below are what we recommend best.

Best Gold IRA CompaniesRatingMinimum RequirementProtect Your Wealth
Goldco logo5.0$25,000Free Investing Guide
Augusta Precious Metals logo4.9$50,000Free Investing Guide
American Hartford Gold logo4.8$10,000Free Investing Guide