Duke Energy 401(k) Plan

Duke Energy offers an employer match of Competitive employer match - the plan contributed 75% of employee deferrals ($9,486 per participant annually). Use our employer match calculator to see how much free money you could earn.

You can access your Duke Energy 401(k) account through the plan provider's participant portal. The plan serves 26,616 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, Duke Energy 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, Duke Energy participants contribute an average of $12,717 per year in employee deferrals. Employer contributions are separate from these limits.

Many Duke Energy 401(k) plans offer loan provisions. As of the latest filing, Duke Energy participants had $141.6M in outstanding loans (averaging $5,319 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 $423K in the Duke Energy 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 Duke Energy, 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 $1.3B 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 Duke Energy 401(k) plan has 26,616 active participants managing $11.3B in plan assets. The average account balance is $423K per participant.

Many major employers, including Duke Energy, offer both traditional pre-tax and Roth after-tax 401(k) contribution options. Given that Duke Energy participants average $12,717 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 Duke Energy plan administrator for availability.

The Duke Energy 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 $2.2B 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.

Duke Energy (DUK) 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 Duke Energy's performance.

For 2026, Duke Energy matches Competitive employer match - the plan contributed 75% of employee deferrals ($9,486 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.