Investment Options

The Meta 401(k) offers a traditional mutual fund lineup and Fidelity BrokerageLink.  Fidelity BrokerageLink provides thousands of investment options, allowing you to have your Meta 401(k) account professionally managed.

Professionally managed accounts can generate 3% to 4% higher returns per year.

Have Your Meta 401(k) Account Professionally Managed

2025 Contribution Limits

Under age 50	$23,500
Ages 50-59 or 64+	$31,000  [$23,500 + $7,500 catch-up]
Ages 60-63	$34,750  [$23,500 + $11,250 catch-up]

Pre-tax Contributions and Pre-Tax Catch-up Contributions

With pre-tax contributions and pre-tax catch-up contributions, you defer income taxes until you withdraw the assets.

Roth Contributions and Roth Catch-up Contributions

With Roth contributions and Roth catch-up contributions, you pay taxes on the contributions but withdrawals are tax-free.

Meta Match

Meta matches 50% on your contributions up to $23,500 of contributions in 2025 for ages under 50, resulting in a maximum match of $11,750 in 2025. Meta matches 50% on your contributions up to $31,000 of contributions in 2025 for ages 50-59 or 64+, resulting in a maximum match of $15,500 in 2025. Meta matches 50% on your contributions up to $34,750 of contributions in 2025 for ages 60-63, resulting in a maximum match of $17,375 in 2025. Meta matches catch-up contributions.

You must contribute $23,500 to receive your full match for ages under 50. You must contribute $31,000 to receive your full match for ages 50-59 or 64+. You must contribute $34,750 to receive your full match for ages under 60-63.

Meta matches vest immediately.

Meta Match Examples

Employee Contributes $10,000

Based on a $350,000 salary, you contribute $10,000. Meta will match your contribution by 50% or $5,000.

Employee Contributes 6% of Salary

Based on a $350,000 salary, you contribute $21,000. Meta will match your contribution by 50% or $10,500.

Mega Backdoor Roth

In addition to your pre-tax and Roth contributions and the Meta match, you can utilize a Mega Backdoor Roth. You can contribute after-tax to your 401(k) up to the limit of all employee and employer contributions, then convert those after-tax contributions to a Roth IRA or Roth 401(k).

2025 Contribution Limits for All Employee and Employer Contributions

Under age 50	$70,000
Ages 50-59 or 64+	$77,500
Ages 60-63	$81,250

Mega Backdoor Roth Examples

Employee Under the Age of 50

Based on a $350,000 salary, you can generate $70,000 in 401(k) contributions.  In addition to your pre-tax or Roth contributions and your Meta match, you can contribute $34,750 after taxes.

Your pre-tax or Roth contributions	$23,500
Meta match	$11,750
Your Mega Backdoor Roth contributions	$34,750
Total	$70,000

Employee Age 50-59 or 64+

Based on a $350,000 salary, you can generate $77,500 in 401(k) contributions.  In addition to your pre-tax or Roth contributions and your Meta match, you can contribute $31,000 after taxes.

Your pre-tax or Roth contributions	$23,500
Your pre-tax or Roth catch-up contributions	$7,500
Meta match	$15,500
Your Mega Backdoor Roth contributions	$31,000
Total	$77,500

Employee Age 60-63

Based on a $350,000 salary, you can generate $81,250 in 401(k) contributions.  In addition to your pre-tax or Roth contributions and your Meta match, you can contribute $29,125 after taxes.

Your pre-tax or Roth contributions	$23,500
Your pre-tax or Roth catch-up contributions	$11,250
Meta match	$17,375
Your Mega Backdoor Roth contributions	$29,125
Total	$81,250