Leidos 401(k) Plan

Reston, Virginia

Leidos 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 500VAProfessional & Technical Services
Overall Rating
4.4/5
Editorial Score
Active Participants
33,017
Total Plan Assets
$12.4B
▲ 11.5% YoY
Avg. Balance per Participant
$376K
Number of Plans
3

Plan Analysis

Leidos, in the Professional & Technical Services sector and headquartered in Virginia, manages a 401(k) program with $12.4B in total plan assets across 33,017 active participants, established 41 years ago. Plan assets grew 11.5% year-over-year, reflecting solid investment returns and contributions. With an average balance of $376K per participant, this plan ranks well above the national median 401(k) balance of approximately $35,000. The employer contributed an average of $5,108 per active participant, equivalent to 21% of the 2026 employee deferral limit. Participants contributed an average of $12,335 each through employee deferrals. Distributions totaled $1.0B (8% of assets), reflecting normal retirement and separation activity. Leidos 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.

Leidos 401(k) Data Insights

Key observations from the most recent Form 5500 filing

  • Legacy plan: Established 41 years ago (1983), making it one of the longest-running 401(k) plans in its sector. Long-established plans often have more favorable terms and lower administrative costs.
  • Higher expenses: Plan expenses of $1.0B represent 8.3% of assets, above the industry average. Participants should review fund expense ratios within their accounts.
  • Strong returns: The plan generated $2.3B in investment income (18.6% of assets), reflecting favorable market conditions and investment selection during the filing year.
  • Active savers: Average participant contributions of $12,335 per year utilize 50% of the $24,500 annual limit - above the national average of approximately 7-8% of salary.
  • Low loan usage: Participant loans of $80.7M represent just 0.7% of plan assets - well below the industry average, suggesting strong employee financial wellness.

How Leidos Compares

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

Metric Leidos Database Median Comparison
Avg. Balance per Participant $376K $140K ▲ 168% above median
Employer Contribution per Participant $5K $3K ▲ 48% above median
YoY Asset Growth 11.5% 12.9% ▬ Near median
Total Assets vs. Professional & Technical Services Sector $12.4B $6.5B ▲ 91% above sector median

Leidos 401(k) Employer Match

Competitive employer match - the plan contributed 41% of employee deferrals ($5,108 per participant annually)

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

Leidos 401(k) Plan Features

Plan features derived from DOL Form 5500 filing data

FeatureDetails
Employer Match Competitive employer match - the plan contributed 41% of employee deferrals ($5,108 per participant annually)
Roth 401(k) Available - after-tax contributions with tax-free qualified withdrawals
401(k) Loans Available - up to 5 years
457 Plan Also offers a 457 plan - eligible employees can contribute to both for double tax-advantaged savings
Plan History Established 1983 - 41 years of retirement benefits

How to Maximize Your Leidos 401(k)

1

Contribute enough to get the full employer match - Leidos contributed 41% 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

Evaluate the Roth 401(k) option if you expect your tax rate to be higher in retirement

4

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

5

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

LEIDOS, INC.

(858) 826-6000

1750 PRESIDENTS STREET, RESTON, VA 20190

Filing Information

EIN: 95-3630868

Plan Effective Date: 1983-01-01

Source: DOL Form 5500 (Latest Filings)

Leidos 401(k) Withdrawals

OptionDetails
Age 59½+ WithdrawalsPenalty-free withdrawals available after age 59½
Rule of 55Penalty-free if you leave Leidos 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 Leidos
Total Distributions (Latest Filing)$1.0B paid to departing/retired participants
Outstanding Loans$80.7M in active participant loans

Leidos Stock (LDOS)

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2026 Contribution Limits for Leidos 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
Leidos Avg. Employee Deferral $12,335 50% of the $24,500 limit (based on latest Form 5500 filing)
Leidos Avg. Employer Contribution $5,108 Employer contributes $168.7M total across 33,017 participants

Leidos 401(k) Plan Details

Data from DOL Form 5500 (Latest Filings)

Plan Name Active Participants Total Assets Employer Contributions Participant Contributions 401(k)
LEIDOS, INC. RETIREMENT PLAN 30,281 $11.8B $159.4M $381.2M Yes
LEIDOS BIOMEDICAL RESEARCH, INC. CAPITAL ACCUMULATION PLAN 2,319 $366.2M $9.2M $26.0M Yes
LEIDOS BIOMEDICAL RESEARCH, INC. EMPLOYEE SAVINGS PLAN 417 $246.4M N/A N/A Yes

Plan Type Details

Primary Plan: LEIDOS, INC. RETIREMENT PLAN

Plan Types: DC (401(k)); DC (Money Purchase); DC (Target Benefit); DC (Other); Offset; 2O; DC (Matching); DC (SIMPLE 401(k)); IRA (SIMPLE); 457 Plan; 3J

Funded By: Trust

Financial Summary

MetricAmount
Total Assets (Beginning of Year)$11,121,737,293
Total Assets (End of Year)$12,403,450,423
Employer Contributions$168,658,953
Participant Contributions$407,263,561
Total Distributions$1,023,630,919
Total Income (Gains/Losses)$2,308,578,319
Total Expenses$1,026,865,189
Outstanding Participant Loans$80,733,532

Participant Breakdown

Active Participants
33,017
Total All Participants
57,949
Retired/Separated Receiving
1,848

Plan Review & Rating

Editorial rating based on DOL Form 5500 data

4.4
Match Generosity
4.3
Fund Options
4.6
Fees & Costs
4.3
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 Leidos 401(k)

The Leidos 401(k) match is Competitive employer match - the plan contributed 41% of employee deferrals ($5,108 per participant annually). Compared to the average Fortune 500 match of 4-6% of salary, Leidos'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 Leidos, with $168.7M in annual employer contributions across the plan, understanding your vesting timeline matters before considering a job change. Contact Leidos HR for the exact vesting schedule.

Withdrawals from your Leidos 401(k) are generally available after age 59½, upon separation from service, disability, or financial hardship. The plan processed $1.0B 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 Leidos at age 55 or older.

Yes, you can roll over your Leidos 401(k) to a Traditional IRA (for pre-tax funds) or Roth IRA (for Roth 401(k) funds). With an average balance of $376K 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 Leidos, have auto-enrollment features. With 33,017 active participants and $407.3M 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

Leidos offers an employer match of Competitive employer match - the plan contributed 41% of employee deferrals ($5,108 per participant annually). Use our employer match calculator to see how much free money you could earn.

You can access your Leidos 401(k) account through the plan provider's participant portal. The plan serves 33,017 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, Leidos 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, Leidos participants contribute an average of $12,335 per year in employee deferrals. Employer contributions are separate from these limits.

Many Leidos 401(k) plans offer loan provisions. As of the latest filing, Leidos participants had $80.7M in outstanding loans (averaging $2,445 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 $376K in the Leidos 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 Leidos, 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 $1.0B 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 Leidos 401(k) plan has 33,017 active participants managing $12.4B in plan assets. The average account balance is $376K per participant.

Many major employers, including Leidos, offer both traditional pre-tax and Roth after-tax 401(k) contribution options. Given that Leidos participants average $12,335 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 Leidos plan administrator for availability.

The Leidos 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 $2.3B 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.

Leidos (LDOS) 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 Leidos's performance.

For 2026, Leidos matches Competitive employer match - the plan contributed 41% of employee deferrals ($5,108 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 Leidos 401(k)

Related Company 401(k) Plans

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 Leidos or their plan providers. Stock data for LDOS is provided by Polygon.io and may be delayed.

Last updated: March 2026 | Data source: DOL Form 5500 (Latest Filings) | Filed: 2025-09-18