Apple 401(k)

Apple is one of the best-known technology companies in the world today. It is known for its wide range of consumer electronics, including the iPad, iPhone, and Apple Mac computers. As of 2024, Apple is the largest company in the world by market capitalization. Apple offers its employees a range of benefits, including a company-sponsored 401(k) plan.

Apple employees are automatically enrolled in the company 401(k) plan, and contributions start at 3% of eligible pay 30 days after you are first employed. This will rise to 6% over the next 3 years unless you stipulate otherwise. You can contribute up to 75% of eligible pay pre-tax, and a further 20% after tax as part of a Roth IRA option. Apple offers the Apple Match based on seniority. You receive a 50% match in your first 2 years, rising to 75% until year 5, and 100% thereafter.

Apple 401(k) provider

The current Apple 401(k) provider is Empower Retirement. Don’t be confused if you see references to Great-West Retirement Services, as they are now a division of Empower and have been renamed accordingly. You can log in to your 401(k) account on Empower’s 401(k) Portal; you have the option to create a new username and password on your first login. You may also be asked to answer a series of security questions to confirm your identity.  

Apple 401(k) login

You can access your Apple 401(k) through Empower’s 401(k) Portal. You can create a username and password on your first login. If you forget your login details, there is a recovery and password reset option you can use to create a new password. If you have access to an Apple Employee Portal in your location, you should also be able to log in to your 401(k) account.

Apple 401(k) match

Apple offers a match on your Apple 401(k) contributions, known as Apple Match, based on the time you have been with the company. You will receive 50% for less than 2 years of service and 75% thereafter until you have been employed for 5 years. Once you have over 5 years of employment, you receive a 100% match. This will be on your contributions up to 6% of eligible pay.

Apple 401(k) customer service

If you need assistance with your Apple 401(k) plan, you can contact your local HR department for assistance, or phone 855-756-4738 starting from Monday to Friday between 9 am and 8 pm EST or Saturday between 9 am and 5:30 pm ET (for eligible plans only).

Apple 401(k) loan

You can take one loan from your Apple 401(k), at a minimum amount of $500 and a maximum of $50,000 or half of your vested Apple 401(k) balance, whichever is lower. You will have up to 5 years to pay unless the loan was for a primary residence, where you will have up to 15 years. 

Apple 401(k) after termination

You have several options if you are terminated from employment at Apple and have an Apple 401(k) plan. If the balance is under $1,000, it will be paid out immediately, and you will receive a mailed check with your 401(k) balance.

For larger amounts, you have a grace period where you can leave funds in the plan as you decide what to do with them. The funds can be rolled over to your new employer (or a qualified private fund) or left with the plan. You may be eligible to withdraw your funds, too, but there will be taxes and penalties to pay if you are under 59 ½ years of age. 

Apple 401(k) withdrawal

If you are still working and want to withdraw from your Apple 401(k) account, you will only qualify for a hardship withdrawal unless you are over the age of 59 ½, in which case you can withdraw from the plan freely and as you choose. You can also withdraw your after-tax contributions and rollovers from previous employers/old company matches.

Apple 401(k) early withdrawal

Employees below age 59 ½ who want to withdraw from their Apple 401(k) can only do so if they are eligible for a hardship withdrawal. Hardship covers circumstances like the funeral expenses of your immediate family, the purchase of a primary residence you will live in, repairs to a home that were not covered by insurance, unexpected medical events, and where you face eviction or foreclosure. You will have to have exhausted other fund sources first, however.

Apple 401(k) rollover form

You can access an Apple 401(k) rollover form from Empower’s 401(k) Portal. You will need to confirm that the funds are coming from a qualified source. You can call the plan administrator or Empower directly if you have any issues or questions, or use the Apple Employee Assistance Program to get help.

Apple 401(k) account number

If you need your Apple 401(k) account number, the easiest way to find it will be to log onto your 401(k) account via Empower’s 401(k) Portal. Should you have any difficulties, you can phone for assistance at 408-974-3833 or via Empower’s helpline at 855-756-4738. You will need to answer some security questions.

Apple 401(k) phone number

If you need assistance with your Apple 401(k), you can contact the administrator (408-974-3833) or speak to Empower Retirement directly, using their 855-756-4738 phone number.

Apple 401(k) administrator

The Apple 401(k) plan is administered by the AMR of Benefits Administration, and they are responsible for its day-to-day operations. As of 2024, this role is currently held by Grace Munson. The plan administrator can be reached at 408-974-3833, or you can contact them in writing at this address: One Apple Park Way MS 104-1BEN, Cupertino, CA, 95014.

Apple 401(k) eligibility

You will be automatically enrolled in the Apple 401(k) plan once you are fully formally employed by the company, at a rate of 3% of your eligible earnings. This will begin 30 days after you are hired. This will increase annually until you reach 6%. 

Apple 401(k) vesting

With the Apple 401(k) plan, you are fully vested at all times, including company matches. There is no vesting period.

Apple 401(k) app

You can manage your Apple 401(k) via the Empower Retirement mobile app. It is available for download from both the Google Play Store and Apple App Store.

Apple 401(k) summary plan description

Employees enrolled in the Apple 401(k) plan should receive a summary plan description from the plan administrator. If you didn’t receive your copy or have misplaced it, you can call the plan administrator (408-974-3833) or request it in writing at the following address: One Apple Park Way MS 104-1BEN, Cupertino, CA, 9501.