Meta 401(k): match, after-tax savings, and mega backdoor Roth

The match and the limits

That formula is what the plan’s own annual return states, and the proxy shows what it produced for named executives: matching contributions of $11,250, $11,500 and $11,750 for 2023, 2024 and 2025, each exactly half that year’s deferral limit. It vests the day it lands, and catch-up contributions are eligible for it too.[34][6]

The 2026 ceiling is arithmetic from the filed formula and the IRS limit, not a filed figure; the plan’s 2026 return is due in mid-2027.[15][34]

Does Meta have a mega backdoor Roth?

Half of it is on file. The plan’s annual return says you may contribute pre-tax, Roth, and after-tax, and the after-tax half is what a mega backdoor Roth starts with.[34] The other half, moving that after-tax money into Roth through an in-plan conversion or withdrawal, is not described in the Form 5500, the proxy, or Meta’s benefits page, so confirm the route in the Summary Plan Description or with Fidelity before you build a plan on it.[16]

Two things that catch people. The plan’s return describes no automatic after-tax enrollment: the automatic enrollment is 10% of regular pay and bonuses into elective deferrals, stepping up 1% a year if you never touch it, and after-tax is an election you make. Whether after-tax dollars count toward the match is not settled by the public summary; the formula is capped at half the deferral limit either way.[34]

How the plan is built

From the plan’s 2025 annual return to the Department of Labor, received June 18, 2026, with its audited financial statements. The plan document and Summary Plan Description govern.[34]

Audited figures for plan year 2025; net assets were $16.5 billion a year earlier. No industry profile of Meta’s plan turned up in the search, so there is no company-submitted participation or deferral rate to report; the returns for 2023 through 2025 show zero participants leaving less than fully vested.[34][35]

The room you have in 2026

$24,500 of your own deferrals, within a $72,000 annual-additions limit that excludes catch-up contributions and that the company match also draws on. Only the first $360,000 of pay counts toward contributions, and your plan can set tighter limits than the federal ones.[15][28]

Turning 50 or older in 2026? Catch-up is another $8,000, or $11,250 between ages 60 and 63, and at Meta catch-up contributions are eligible for the match within the same ceiling. If you earned more than $150,000 last year from the same employer, the IRS requires the catch-up portion to go in as Roth; that rule covers catch-up only, not your regular deferrals.[15][27][34]

Maxing every box is only a win if the remaining cash flow still works. Weigh today’s tax rate against the one you expect later, your reserves, and a partner’s plan before you push contributions to the limit.

If you changed employers this year. The $24,500 deferral limit is yours, not the plan’s: it counts contributions to every 401(k) you had in the year. Tell Fidelity what you already deferred at the old employer so the Meta plan stops at the right number, because an excess has to be pulled back out with its earnings. The match here applies only to what you contribute here. The plan accepts rollovers from a previous employer’s plan; compare the fees and the fund menus before you move an old balance, and do not roll a loan you cannot repay.[15][34]

Beyond the 401(k). Meta’s benefits page lists what sits alongside it, without figures: medical, dental and vision coverage, life insurance and survivor support, financial coaching and tax education, a legal support program for you and your parents, paid leave for new parents, and a 30-day paid break every five years based on performance. The insurers behind the medical, dental, vision, disability and legal coverage are named in the health plan’s own annual return.[40][38]