Accenture 401(k) Plan

Chicago, Illinois

Accenture 401K plan details: employer match info, participant login access, withdrawal options, and full plan review. 2026 data with contacts, details.

401(k) QualifiedEmployer MatchMoney PurchaseFortune 500ILProfessional & Technical Services
Overall Rating
4.5/5
Editorial Score
Active Participants
67,250
Total Plan Assets
$21.3B
▲ 21.1% YoY
Avg. Balance per Participant
$317K
Number of Plans
3

Plan Analysis

Accenture, in the Professional & Technical Services sector and headquartered in Illinois, manages a 401(k) program with $21.3B in total plan assets across 67,250 active participants, established 25 years ago. The plan saw strong asset growth of 21.1% year-over-year, significantly outpacing the typical 401(k) plan. With an average balance of $317K per participant, this plan ranks well above the national median 401(k) balance of approximately $35,000. The employer contributed an average of $6,334 per active participant, equivalent to 26% of the 2026 employee deferral limit. Participants contributed an average of $12,243 each through employee deferrals. Distributions totaled $1.7B (8% of assets), reflecting normal retirement and separation activity. Accenture sponsors 3 retirement plans, providing employees with diverse savings options.

Use our 401(k) calculator to see how your contributions could grow, or review the 2026 IRS limits.

Accenture 401(k) Data Insights

Key observations from the most recent Form 5500 filing

  • Mature plan: Operating for 25 years since 1999. Plans with 20+ years of history tend to have well-optimized investment menus and established administrative processes.
  • Higher expenses: Plan expenses of $1.7B represent 7.9% of assets, above the industry average. Participants should review fund expense ratios within their accounts.
  • Strong returns: The plan generated $4.4B in investment income (20.7% of assets), reflecting favorable market conditions and investment selection during the filing year.
  • Low loan usage: Participant loans of $113.7M represent just 0.5% of plan assets - well below the industry average, suggesting strong employee financial wellness.

How Accenture Compares

Comparison against 284 employer 401(k) plans in our database

Metric Accenture Database Median Comparison
Avg. Balance per Participant $317K $140K ▲ 126% above median
Employer Contribution per Participant $6K $3K ▲ 83% above median
YoY Asset Growth 21.1% 12.9% ▲ Above median
Total Assets vs. Professional & Technical Services Sector $21.3B $6.5B ▲ 228% above sector median

Accenture 401(k) Employer Match

Competitive employer match - the plan contributed 52% of employee deferrals ($6,334 per participant annually)

Use our employer match calculator to see how much free money you could earn.

Accenture 401(k) Plan Features

Plan features derived from DOL Form 5500 filing data

FeatureDetails
Employer Match Competitive employer match - the plan contributed 52% of employee deferrals ($6,334 per participant annually)
Investment Options Company Stock (ACN)
401(k) Loans Available - up to 5 years
Company Stock Available as an investment option (limit to 10-15% of portfolio to manage concentration risk)
Profit Sharing Plan includes a profit sharing component - employer contributions may vary by year
457 Plan Also offers a 457 plan - eligible employees can contribute to both for double tax-advantaged savings
Plan History Established 1999 - 25 years of retirement benefits

How to Maximize Your Accenture 401(k)

1

Contribute enough to get the full employer match - Accenture contributed 52% of employee deferrals in the latest filing

2

Consider increasing your contribution rate annually - even 1% more per year adds up significantly over time

3

Use 401(k) loans only as a last resort - they reduce your retirement savings growth

4

Use our 401(k) calculator to project your retirement savings and find the right contribution rate

Use our 401(k) calculator to project your savings growth, or check how much free match money you could earn.

Contact Information

Plan Sponsor

ACCENTURE LLP

(312) 693-5009

500 W MADISON ST, CHICAGO, IL 60661-4544

Filing Information

EIN: 72-0542904

Plan Effective Date: 1999-07-01

Source: DOL Form 5500 (Latest Filings)

Accenture 401(k) Withdrawals

OptionDetails
Age 59½+ WithdrawalsPenalty-free withdrawals available after age 59½
Rule of 55Penalty-free if you leave Accenture at age 55+
Hardship WithdrawalsCheck with plan administrator
401(k) LoansAvailable - up to lesser of $50,000 or 50% of vested balance (5-year term)
RolloverRoll over to new employer plan or IRA when leaving Accenture
Total Distributions (Latest Filing)$1.7B paid to departing/retired participants
Outstanding Loans$113.7M in active participant loans

Accenture Stock (ACN)

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2026 Contribution Limits for Accenture 401(k)

See the full breakdown in our 2026 contribution limits guide, including rules for catch-up contributions (50+) and super catch-up (60-63).

Category Limit Details
Employee Deferral $24,500 Standard elective deferral limit for all participants
Catch-Up (Age 50+) +$8,000 Additional contributions for participants age 50 and over (total: $32,500)
Super Catch-Up (Age 60-63) +$11,250 SECURE 2.0 enhanced catch-up for ages 60-63 (total: $35,750)
Total Annual Additions (415 Limit) $72,000 Maximum combined employee + employer contributions
Compensation Cap $350,000 Maximum compensation considered for contributions
Accenture Avg. Employee Deferral $12,243 50% of the $24,500 limit (based on latest Form 5500 filing)
Accenture Avg. Employer Contribution $6,334 Employer contributes $426.0M total across 67,250 participants

Accenture 401(k) Plan Details

Data from DOL Form 5500 (Latest Filings)

Plan Name Active Participants Total Assets Employer Contributions Participant Contributions 401(k)
ACCENTURE UNITED STATES 401(K) MATCH AND SAVINGS PLAN 67,240 $21.3B $426.0M $823.4M Yes
ACCENTURE MANAGEMENT GROUP LLC 401K PROFIT SHARING PLAN 6 $21K $5K $5K Yes
ACCENTURE PARTNERS GROUP INC 401(K) PLAN 4 $13K $6K $7K Yes

Plan Type Details

Primary Plan: ACCENTURE UNITED STATES 401(K) MATCH AND SAVINGS PLAN

Plan Types: DC (Profit Sharing); DC (401(k)); DC (Money Purchase); DC (Target Benefit); DC (Other); Offset; DC (Matching); DC (Stock Bonus); 457 Plan

Funded By: Trust

Financial Summary

MetricAmount
Total Assets (Beginning of Year)$17,594,558,132
Total Assets (End of Year)$21,302,677,553
Employer Contributions$425,983,223
Participant Contributions$823,372,385
Total Distributions$1,674,150,901
Total Income (Gains/Losses)$4,412,354,372
Total Expenses$1,683,111,319
Outstanding Participant Loans$113,730,163

Participant Breakdown

Active Participants
67,250
Total All Participants
112,425
Retired/Separated Receiving
1,050

Plan Review & Rating

Editorial rating based on DOL Form 5500 data

4.5
Match Generosity
4.8
Fund Options
4.8
Fees & Costs
4.7
Customer Service
4.2

Ratings are based on publicly available plan data, participant feedback, and industry benchmarks. Individual experience may vary. This is not financial advice. Data sourced from DOL Form 5500 filings.

People Also Ask About Accenture 401(k)

The Accenture 401(k) match is Competitive employer match - the plan contributed 52% of employee deferrals ($6,334 per participant annually). Compared to the average Fortune 500 match of 4-6% of salary, Accenture's % maximum is below average. However, your own contributions are always fully vested, and the plan offers other advantages like mega backdoor Roth access. Always contribute at least enough to get the full match - it's free money.

Vesting schedules determine when employer match contributions fully belong to you. Common schedules include immediate vesting, 3-year cliff vesting, or 6-year graded vesting. At Accenture, with $426.0M in annual employer contributions across the plan, understanding your vesting timeline matters before considering a job change. Contact Accenture HR for the exact vesting schedule.

Withdrawals from your Accenture 401(k) are generally available after age 59½, upon separation from service, disability, or financial hardship. The plan processed $1.7B in distributions during the last filing year. Early withdrawals before age 59½ may be subject to a 10% penalty plus income taxes. The Rule of 55 allows penalty-free withdrawals if you leave Accenture at age 55 or older.

Yes, you can roll over your Accenture 401(k) to a Traditional IRA (for pre-tax funds) or Roth IRA (for Roth 401(k) funds). With an average balance of $317K per participant, a direct rollover avoids the mandatory 20% withholding that applies to indirect rollovers. Contact your plan administrator or the receiving IRA custodian to initiate the transfer.

Many Fortune 500 companies, including Accenture, have auto-enrollment features. With 67,250 active participants and $823.4M in annual employee deferrals, the plan demonstrates strong participation. Auto-enrollment typically starts at 3-6% of salary with annual escalation. You can opt out or change your contribution rate at any time through the plan provider portal.

Frequently Asked Questions

Accenture offers an employer match of Competitive employer match - the plan contributed 52% of employee deferrals ($6,334 per participant annually). Use our employer match calculator to see how much free money you could earn.

You can access your Accenture 401(k) account through the plan provider's participant portal. The plan serves 67,250 active participants. If you're a current or former employee, use the login link above or contact the plan administrator at the phone number listed on this page. First-time users will need to register using their Social Security number and date of birth.

For 2026, Accenture 401(k) participants can contribute up to $24,500 in employee deferrals. Participants aged 50+ can contribute an additional $8,000 in catch-up contributions (total $32,500). Those aged 60-63 can make super catch-up contributions of $11,250 (total $35,750). Currently, Accenture participants contribute an average of $12,243 per year in employee deferrals. Employer contributions are separate from these limits.

Many Accenture 401(k) plans offer loan provisions. As of the latest filing, Accenture participants had $113.7M in outstanding loans (averaging $1,691 across participants with active loans). The IRS limits 401(k) loans to the lesser of $50,000 or 50% of your vested balance. With an average account balance of $317K in the Accenture plan, the maximum potential loan amount for a fully vested participant would vary accordingly. Check with your plan administrator for specific loan terms, or see our withdrawal rules guide.

When you leave Accenture, you have several options for your 401(k): keep it in the plan (if the balance is over $7,000), roll it over to a new employer's plan, roll it to an IRA, or take a cash distribution (subject to taxes and potential penalties). In the most recent filing year, the plan processed $1.7B in distributions to departing or retired participants. Employer match contributions may be subject to a vesting schedule.

According to the most recent Form 5500 filing, the Accenture 401(k) plan has 67,250 active participants managing $21.3B in plan assets. The average account balance is $317K per participant.

Many major employers, including Accenture, offer both traditional pre-tax and Roth after-tax 401(k) contribution options. Given that Accenture participants average $12,243 in annual deferrals, choosing between Roth and traditional depends on whether you expect your tax bracket to be higher or lower in retirement. Contact the Accenture plan administrator for availability.

The Accenture 401(k) plan typically offers a range of investment options including target-date funds, index funds, actively managed funds, and potentially company stock. The plan generated $4.4B in total investment income during the last filing year. Use our 401(k) calculator to project growth, or log into your account to see current options.

Accenture (ACN) may offer company stock as an investment option within the 401(k) plan. Be mindful of concentration risk - financial advisors typically recommend limiting company stock to no more than 10-15% of your portfolio, especially given that your employment income already depends on Accenture's performance.

For 2026, Accenture matches Competitive employer match - the plan contributed 52% of employee deferrals ($6,334 per participant annually). The 2026 employee deferral limit is $24,500 ($32,500 if 50+, $35,750 if 60-63). Use our match calculator to estimate your free money.

401(k) Guides & Tools

Learn more about managing your Accenture 401(k)

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Disclaimer: Information on this page is sourced from public DOL Form 5500 filings and is provided for educational purposes only. This is not financial, tax, or investment advice. Plan details may have changed since the last filing. Always consult your plan administrator, HR department, or a qualified financial advisor for the most current information about your 401(k) plan. 401K.is is not affiliated with Accenture or their plan providers. Stock data for ACN is provided by Polygon.io and may be delayed.

Last updated: March 2026 | Data source: DOL Form 5500 (Latest Filings) | Filed: 2025-10-15