Plan Ledger DOL Form 5500 · updated monthly

Mastercard International Incorporated401(k)

MASTERCARD SAVINGS PLAN · PURCHASE, NY · plan year 2025

Reported admin expense ratio · 2025
0.04%

Peer grade: A- · admin costs + employer contributions vs same-size plans · how grading works

Mastercard International Incorporated reported $1,800,740 in plan administrative expenses for 2025: 0.04% of average plan assets, below the peer median. Employer contributions averaged $15,328 per active participant. This ratio covers administrative expenses reported on the plan's Schedule H only; fund-level expense ratios are not included in public structured data — see methodology.

Across the 3 years on file its reported administrative ratio rose from 0.039% to 0.042%. The plan sits in the over $1B size bracket, benchmarked here against 141 comparable plans and shown alongside other finance & insurance employers. By assets it is the 35th-largest of 5,648 plans among New York employers on file, and the 45th of 4,798 in finance & insurance. In 2025, employees put in $1.11 for every $1.00 the employer contributed.

Plan summary
Net assets, end of year$4,609,429,521
Participants with balances14,664
Active participants11,405
Employer contributions$174,814,376
Employee contributions$194,624,101
Employer contribution per active participant$15,328
Average account balance$314,336
Benefits paid to participants$324,749,165
Plan auditUnmodified (clean) audit opinion
AuditorCROWE LLP
Plan history4
Yearassets · accounts · employer contribution
2025$4.6B · 14,664 accts · $174.8M emplr
2024$3.9B · 14,304 accts · $166.9M emplr
2023$3.3B · 14,008 accts · $158.4M emplr
2022$2.6B · 12,934 accts · $129.0M emplr
Administrative expenses, itemized · 2025
Recordkeeping & contract admin$84,196
Investment management$1,704,662
Total administrative$1,800,740
The Mastercard International Incorporated 401(k) match · 2025
Employer contribution per active participant$15,328
Median for plans this size$5,084
2025$15,328 per active participant
2024$14,977 per active participant
2023$14,080 per active participant
2022$12,380 per active participant

Mastercard International Incorporated's 2025 employer contribution ran above the $5,084 median for plans its size, placing it in the top quarter of its peers. Filings report dollars actually contributed, not the match formula; the formula itself (for example, 50% of the first 6% of pay) lives in the plan's summary plan description from HR.

What these fees cost you

Annual cost at the plan's reported 2025 administrative ratio, against the median plan its size; fund expense ratios are extra. Compare any plan.

Service providers · 20252
VOYA INSTITUTIONAL PLAN SERVICES · Recordkeeping$96,078
VOYA RETIREMENT ADVISORS, LLC · Investment advisory (participants)$1,704,662

Compensation shown is direct payments from plan assets reported on Schedule C. Providers paid through fund revenue-sharing appear as indirect.

Recordkeeper by year3
2025Voya
2024Voya
2023Voya

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Administrative cost history4
2025$1,800,740 · 0.04%
2024$1,713,991 · 0.05%
2023$1,344,597 · 0.05%
2022$1,085,529 · 0.04%
Same employer
Similar plansFinance & Insurance · New York
Blackrock, Inc. NY$4.8B · 0.00%
Blackrock, Inc. NY$3.4B · 0.01%
Mufg Bank, LTD NY$3.1B · 0.03%

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Source: U.S. Department of Labor, Form 5500 series, EIN 952536378 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.