Coca-Cola 401(k) Plan

Coca-Cola offers an employer match through their 401(k) plan. The latest filing shows $221.1M in employer contributions versus $416.2M in employee deferrals (a 53% ratio), consistent with a competitive match program. The exact match formula may vary by plan and employment status. Contact Coca-Cola HR or your plan administrator for the specific match formula applicable to your situation.

You can access your Coca-Cola 401(k) account through the plan provider's participant portal. The plan serves 84,086 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, Coca-Cola 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, Coca-Cola participants contribute an average of $4,949 per year in employee deferrals. Employer contributions are separate from these limits.

Many Coca-Cola 401(k) plans offer loan provisions. As of the latest filing, Coca-Cola participants had $139.6M in outstanding loans (averaging $1,660 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 $108K in the Coca-Cola plan, the maximum potential loan amount for a fully vested participant would vary accordingly. Check with your plan administrator for specific loan terms.

When you leave Coca-Cola, 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 $828.5M 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 Coca-Cola 401(k) plan has 84,086 active participants managing $9.1B in plan assets. The average account balance is $108K per participant, and the plan was originally established on N/A.

Many major employers, including Coca-Cola, offer both traditional pre-tax and Roth after-tax 401(k) contribution options. Given that Coca-Cola participants average $4,949 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 Coca-Cola plan administrator for availability.

The Coca-Cola 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 $1.7B in total investment income during the last filing year. Log into your account to see current investment options and performance.

Coca-Cola (KO) 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 Coca-Cola's performance.