401(k) Savings Plan

The 401(k) Savings Plan Helps You Prepare Financially for Your Future.

The 401(k) Savings Plan, serviced by Fidelity Investments®, is a long-term savings vehicle for retirement.

Generally, you may contribute from 1% to 50% of your eligible pay on a before-tax and/or after-tax basis (your contributions will be capped at 15% if you're otherwise considered a highly compensated employee). Contributions may also be made as Roth, which are after-tax contributions, but their earnings are tax-free. The sum of your before-tax and Roth contributions can't exceed the $23,500 annual IRS limit for 2025.

If you’ll be age 50 or older in 2025, you can make additional before-tax and/or Roth catch-up contributions—up to the $7,500 IRS limit for 2025 (this is in addition to the $23,500 before-tax/Roth annual IRS limit).

You can change your contribution percentage at any time, and you’re 100% vested in your own contributions immediately.

If you’re newly eligible, be sure to consider any contributions you made to another employer’s 401(k) plan this year to make sure you don’t exceed the IRS contribution limits for the calendar year.

Consider your options before making your 401(k) Savings Plan elections

  • Decide whether before-tax contributions, Roth contributions, and/or after-tax contributions make the most sense for you.
  • Decide how much to contribute.
  • Make your investment elections. You can choose from a variety of investment options based on your financial goals and risk tolerance.
  • If you don’t make an active election, automatic enrollment (including the default investment fund) applies.
  • You can change your contribution and investment elections at any time.

If you’d like help with any of these decisions, support is available from Fidelity. Call the Mondelēz International Retirement and Savings Plan Center.

Mondelēz International Retirement and Savings Plan Center

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Use the Mondelēz International Retirement and Savings Plan Center to:

  • Manage the contributions you make to your account.
  • Change your investment elections for future contributions you make to your account.
  • Change your investment elections for your current account balance.
  • Request a loan or a withdrawal.
  • Request a rollover.
  • Learn about an investment option’s performance, and other relative information.
  • Look up your account’s history of transactions.
  • Obtain an account statement.
  • Obtain 401(k) Savings Plan information and relative documents, including prospectus materials.
  • Enroll in Fidelity Personalized Planning & Advice, Fidelity’s managed account services (Fidelity makes all 401(k) Savings Plan investment decisions for you for a fee).
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Automatic enrollment

  • If you don’t make an active contribution election within 30 days of your eligibility date, you’ll automatically be enrolled in the 401(k) Savings Plan at a 3% before-tax employee contribution rate.
  • The 401(k) Savings Plan’s default investment fund will apply to your contributions.
  • Your contributions will increase 1% on April 1 of each year, until your before-tax contribution rate reaches 10% (this automatic increase is also referred to as auto escalation).
  • You can opt out of auto escalation, increase, or decrease your contribution rate; and/or change your investment elections via the NetBenefits website at any time.

The 401(k) Savings Plan is intended to be a participant-directed plan as described in Section 404(c) of ERISA, which means that fiduciaries of the 401(k) Savings Plan are ordinarily relieved of liability for any losses that are the direct and necessary result of investment instructions given by a participant or beneficiary.

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Looking for more details?

You can access 401(k) Savings Plan information via the NetBenefits website. You can also call the Mondelēz International Retirement and Savings Plan Center at 1-866-612-4582 with questions (representatives are available Monday through Friday, 7:30 a.m. to 7:30 p.m. Central Time).