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. Your union’s negotiated collective bargaining agreement (CBA) determines whether you’re eligible to participate, and whether you’re eligible for Company contributions to your account.

To access detailed information about your 401(k) Savings Plan, log in to your account on the NetBenefits website. It’s here that you can make your contribution and investment elections, check your account balance throughout the year, and designate your beneficiary(ies). Be sure to keep your named beneficiaries up to date.

YOUR CONTRIBUTIONS

If you're eligible to participate, you generally may contribute from 1% to 16% of your eligible pay on a before-tax and/or after-tax basis. 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 $24,500 annual IRS limit for 2026.

If you’ll be age 50 or older in 2026, you can make additional before-tax and/or Roth catch-up contributions—up to the $8,000 IRS limit for 2026 (this is in addition to the $24,500 before-tax/Roth annual IRS limit). A few additional things to keep in mind about catch-up contributions:

If you earned more than $150,000 in FICA wages for the 2025 calendar year, you can make catch-up contributions—but only on an after-tax Roth basis.
If you’ll be age 60, 61, 62, or 63 at the end of 2026, you can make catch-up contributions up to a higher catch-up limit—for 2026 the higher catch-up limit is $11,250 (instead of $8,000).

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

If you’re a new hire, be sure to consider any contributions you made to another employer’s 401(k) plan this year. This will help ensure you don’t exceed the IRS contribution limits for the calendar year.

COMPANY CONTRIBUTIONS

If negotiated into your union’s CBA, MDLZ may make Company contributions to your 401(k) Savings Plan account. Log in to your account on the NetBenefits website to confirm if you’re eligible for Company contributions.

You become fully vested in Company contributions over time. The vesting schedule is shown in the 401(k) Savings Plan’s Summary Plan Description (SPD), which is available for you on the NetBenefits website.

YOUR OPTIONS

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.

CONTACT INFO & APPS

Mondelēz International Retirement and Savings Plan Center

NetBenefits Website
Phone: 1-866-612-4582
Planning & Advice Center: 1-866-612-4582
Mobile App: APPLE APP STORE | GOOGLE PLAY STORE

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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, which is Fidelity’s managed account services. With Fidelity Personalized Planning & Advice, Fidelity makes all 401(k) Savings Plan investment decisions for you for a fee.

Automatic enrollment

If you don’t make an active contribution election within 30 days of your eligibility date, you’ll automatically be enrolled at a 2% before-tax employee contribution rate.
The 401(k) Savings Plan’s default investment fund will apply to your contributions (as well as to any Company contributions you may be eligible for as negotiated into your CBA).
Depending on your negotiated CBA, your contributions may increase by a percentage amount each April 1, until your before-tax contribution rate reaches a percentage—as negotiated into your CBA (this automatic increase is also referred to as auto escalation). Please see your 401(k) Savings Plan account information on the NetBenefits website to confirm whether the automatic increase feature is appliable to you (you can opt out of auto escalation at any time).
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.

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).