401(k) Plan
Invest in your future and receive a company match from Zebra.
Our 401(k) plan allows you and Zebra to contribute to your savings for the future. You are automatically enrolled (unless you opt out within 60 days of your hire date), and you can change your contributions or investments at any time during the year, directly through Vanguard – no need to wait for annual enrollment.
Access your account
If you already have an account with Vanguard, you can access your 401(k) using your current Vanguard credentials. If you are logging into Vanguard for the first time, register for a new account using plan number 097573.
Plan highlights:
- You immediately own 100% of the money in your account (both your contributions and Zebra’s), with no vesting period.
- You may choose to let Vanguard invest your money based on your expected retirement date, or you can create a custom portfolio for a more hands-on approach.
- You can get professional investment advice through Vanguard’s advisory services.
- You can make catch-up contributions and in-plan conversions with step-by-step support from Vanguard.
- You may be eligible for a Student Loan 401(k) Retirement Match (SLRM) if you are paying student loans and contributing less than 6% of your eligible pay to your 401(k).
Automatic contributions
If you take no action within 60 days of your hire date, you will be automatically enrolled with 6% of your pre-tax earnings invested in the target retirement date fund closest to the year you will turn 65. Each year, your contribution will automatically increase by 1%, up to 15%, unless you make changes through Vanguard.
Zebra matching contribution
Contribute at least 6% of your pay to get the most free money from Zebra.
Zebra matches:
- 100% of the first 2% of pay you contribute, plus
- 50% of the next 4% of pay you contribute
(Company match only applies to before-tax and Roth after-tax contributions.)
PLUS: If you don’t currently receive the full company match and are paying student loans, Zebra may contribute to your 401(k) account through the Student Loan 401(k) Retirement Match (SLRM) benefit.
Contribute and save strategically
You can contribute up to 75% of your eligible pay (less for highly compensated employees), within IRS limits; these limits include contributions from you and the company to any 401(k) plan during the calendar year. Be strategic about your contribution types, so you save money when it matters most to you.
There are three types of contributions:
- Before-tax contributions: You contribute dollars deducted from your pay before taxes are calculated, which lowers your taxable income and reduces your taxes. When you take a qualified distribution, both contributions and investments earnings are taxable.
- Roth after-tax contributions: You contribute dollars deducted from your pay after taxes are calculated, so your taxable income isn’t lowered. When you take a qualified distribution, both contributions and investment earnings are not taxable.
- Traditional after-tax contributions: You contribute dollars deducted from your pay after taxes are calculated, so your taxable income isn’t lowered. When you take a qualified distribution, investment earnings are taxable but contributions are not.
| Before-tax contributions | Roth after-tax contributions | Traditional after-tax contributions | |
|---|---|---|---|
| Company match from Zebra | Yes | Yes | No |
| Eligible for catch-up contributions | Yes | Yes | No |
| Lowers your taxable income when you contribute | Yes | No | No |
| Contributions are taxed upon distribution | Yes | No | No |
| Investment earnings are taxed upon qualified distribution | Yes | No | Yes |
| Eligible for in-plan conversion to Roth | Yes | N/A | Yes, one time |
| 2026 contribution limits | $24,500 | $24,500 | $72,000 total for all combined contributions |
| 2026 contribution limits for highly compensated employees | 15% of eligible pay | 15% of eligible pay | 4% of eligible pay |
Opt in for catch-up contributions
Depending on your age, you may be eligible to make contributions beyond the standard IRS limits listed in the table:
- Age 50-59: $8,000
- Age 60-63: $11,250
- Age 64+: $8,000
Contact Vanguard if you want to make catch-up contributions; they will not be made automatically.
Student Loan 401(k) Retirement Match
Managing student loan debt can make it challenging to save for retirement. To support you, Zebra may match your student loan payments with company match contributions to your 401(k) plan.
If you are currently paying student loans and contribute less than 6% of your total eligible compensation to your 401(k), you may qualify for Zebra’s Student Loan Retirement Match (SLRM) benefit, which enables Zebra to match your student loan payments at the same rate as our standard 401(k) plan contribution. The SLRM is administered directly through Vanguard in partnership with Candidly. To learn more, review FAQs.
To begin using this benefit, log into your 401(k) account through Vanguard and click “Log me into Candidly”. On the Candidly site, you will also find tools to help you pay down debt faster, compare refinancing offers, and more.