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Frequently asked questions
Does employer match count towards the 401k limit?
No — employer match doesn't count toward your personal employee deferral limit ($24,500 for 2026). It does count toward the combined employee-plus-employer limit ($72,000 for 2026), which matters mainly for highly compensated employees at companies with a generous match. (Figures current as of July 2026.)
How does 401k matching work?
Your employer contributes additional money based on a formula tied to your own contributions — a common one is a 100% match on the first 3% of salary plus 50% on the next 2%. The match is usually subject to a vesting schedule (immediate, cliff, or graded over several years), so leaving too early can mean forfeiting part of it.
Which companies are hiring for Research Scientist jobs with 401k Matching in AI?
Top companies hiring include GenScript.