Plan Ledger DOL Form 5500 · updated monthly

Microsoft Corporation401(k) + ESOP (KSOP)

MICROSOFT CORPORATION SAVINGS PLUS 401K PLAN · REDMOND, WA · plan year 2025

Reported admin expense ratio · 2025
0.06%

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

Microsoft Corporation reported $42,959,933 in plan administrative expenses for 2025: 0.06% of average plan assets, above the peer median. Employer contributions averaged $10,211 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 0.04% to 0.06%. The plan sits in the over $1B size bracket, benchmarked here against 141 comparable plans and shown alongside other information & media employers. By assets it is the 1st-largest of 1,714 plans among Washington employers on file, and the 1st of 2,199 in information & media. In 2025, employees put in $2.60 for every $1.00 the employer contributed.

Plan summary
Net assets, end of year$77,813,570,343
Participants with balances178,595
Active participants115,488
Employer contributions$1,179,291,008
Employee contributions$3,071,800,398
Employer contribution per active participant$10,211
Average account balance$435,698
Benefits paid to participants$4,853,066,025
Plan auditUnmodified (clean) audit opinion
Plan history4
Yearassets · accounts · employer contribution
2025$77.8B · 178,595 accts · $1.2B emplr
2024$65.6B · 177,887 accts · $1.2B emplr
2023$53.2B · 172,201 accts · $1.1B emplr
2022$39.6B · 166,621 accts · $1.0B emplr
Administrative expenses, itemized · 2025
Investment management$42,382,079
Total administrative$42,959,933
The Microsoft Corporation 401(k) match · 2025
Employer contribution per active participant$10,211
Median for plans this size$5,084
2025$10,211 per active participant
2024$9,360 per active participant
2023$9,295 per active participant
2022$8,169 per active participant

Microsoft Corporation'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 · 202512
RUSSELL INVESTMENTS · Investment management$15,077,925
ARTISAN PARTNERS LIMITED PARTNERSHI · Investment management$6,547,627
STRATEGIC ADVISORS, INC. · Investment advisory (plan)$6,063,579
PUTNAM · Investment management$3,406,038
FIDELITY INVESTMENTS INSTITUTIONAL · Loan processing$2,383,420
FRONTIER CAPITAL MANAGEMENT · Investment management$2,361,788
PIMCO · Investment management$2,003,811
DIMENSIONAL FUND ADVISORS · Investment management$1,339,783
WESTFIELD CAPITAL MANAGEMENT · Investment management$929,766
SILVERCREST ASSET MANAGEMENT GROUP · Investment management$806,080
ARIEL INVESTMENTS · Investment management$358,110
INVESCO · Investment management$50,976

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

Administrative cost history4
2025$42,959,933 · 0.06%
2024$32,279,436 · 0.05%
2023$21,737,806 · 0.05%
2022$19,429,107 · 0.04%
Same employer
Similar plansInformation & Media · Washington
Google LLC CA$48.7B · 0.01%
AT&T Inc. TX$43.1B · 0.04%
Verizon Communications Inc. NJ$31.3B · 0.16%
Meta Platforms, Inc. CA$22.4B · 0.00%
T-Mobile USA, Inc. WA$9.1B · 0.03%
Smartsheet Inc. WA$273.8M · 0.12%
Northwest Fiber, LLC WA$174.1M · 0.04%
Seattle Times Company WA$156.6M · 0.09%

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Source: U.S. Department of Labor, Form 5500 series, EIN 911144442 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.