GE Aerospace 401(k) Plan

Officially: GE AEROSPACE RETIREMENT SAVINGS PLAN

The GE Aerospace Retirement Savings Plan (formerly the GE Retirement Savings Plan) covered 68,934 total participants and held $14.74 billion in net assets at year-end 2024, with Fidelity Workplace Services as recordkeeper. The plan saw $7.58 billion in assets transfer out in April 2024 to the GE Vernova Retirement Savings Plan as part of the GE Vernova spin-off. The plan filed as a multiple-employer plan for 2024 to reflect mid-year status, but as of December 31, 2024 all remaining participating entities were members of a single controlled group. The investment menu is built primarily around BlackRock index collective funds, SSGA registered investment companies, a Mercer-managed international equity fund, and BlackRock-managed Target Retirement Date Funds, with legacy positions in GE and GE Vernova company stock.

Participants: 105,231 Plan assets: $14,738,724,553 Plan number: 334 Form 5500 plan year: 2024 Last verified: May 29, 2026 View Form 5500
Employer match
50% match on the first 8% of eligible pay, for a 4% maximum matching contribution
Investment options
18
funds in the lineup
Auto-enrollment
Newly hired non-union employees are auto-enrolled at 8% pre-tax (capturing the full 4% match) and newly hired union employees are auto-enrolled at 2% pre-tax, with default investment in the age-appropriate Target Retirement Date Fund.

By Zac Murphy, CFA charterholder and CFP professional. Published May 29, 2026. Verified against Form 5500 plan year 2024.

Build your allocation
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Answer 13 quick questions to find your risk profile and see which of five sample allocations fits.

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Fund lineup

Fund Asset Class Type
State Street Custom Government Reserves Non-Lending Series Fund Money Market Active
GE Common Stock Company Stock Other
GE Vernova Common Stock Company Stock Other
SSGA Income Fund Balanced/Allocation Active
SSGA US Core Equity Fund US Large Cap Active
SSGA Small-Cap Equity Fund US Small Cap Active
Non-U.S. Equity Index Fund International Equity Index
U.S. Aggregate Bond Index Fund US Bonds Index
U.S. Large-Cap Equity Index Fund US Large Cap Index
U.S. Mid-Cap Equity Index Fund US Mid Cap Index
U.S. Small-Cap Equity Index Fund US Small Cap Index
U.S. Treasury Inflation-Protected Securities Index Fund TIPS Index
Commodity Index Daily Fund Commodities Index
BlackRock Developed Real Estate Index Non-Lendable Fund Real Estate Index
Russell 1000 Index Non-Lendable Fund US Large Cap Index
State Street Custom Short-Term Interest Non-Lending Series Fund Stable Value Other
Mercer GE International Equity Fund International Equity Active
Target Retirement Date Funds Target-date Other

Why our allocations use only index funds

The actively managed funds in this plan cost more per year than the plan's index funds, which run roughly 0.02% to 0.06%. Decades of research on long-term active fund performance do not support reliable outperformance net of fees, which is why the allocation ideas below may consider using only the low-cost index options.

Employer match

Match summary
50% match on the first 8% of eligible pay, for a 4% maximum matching contribution
Match cap 50% of pay
Effective match rate 8%
Vesting Employee and matching contributions are immediately vested; Company Retirement Contributions and post-2018 salaried matching contributions vest after three years of service.
Waiting period Newly hired non-union employees eligible for CRCs are automatically enrolled at 8% pre-tax; newly hired union employees
$
Contribute this much to capture the full match
50% of your eligible pay, every paycheck.

50% match on the first 8% of eligible pay, for a 4% maximum matching contribution Contributing less than 50% of your eligible pay leaves part of GE Aerospace's match unclaimed.

What the match is worth at your pay After 1 year of service, contributing 50%
Annual pay Your contribution Employer match Total to 401(k)

Estimates assume a constant salary and the match formula shown above. Your actual match depends on your plan's exact terms.

The cost of contributing only --%

On a $60,000 salary, contributing just half the match threshold would leave about -- in employer match unclaimed each year. Invested over 20 years at a hypothetical 7% annual return, that forgone match could have grown to roughly -- (a hypothetical illustration, not a projection). The match is the highest-return contribution you will make all year.

Sources

  • Plan metadata (employer, participants, assets, plan year): Form 5500 annual return/report, plan year 2024 -- view filing
  • Summary Plan Description (SPD) and fee disclosure (404a-5), where available from the plan administrator.

This page is for educational purposes only and does not constitute investment, tax, or legal advice, nor a recommendation to buy or sell any security. Information is drawn from public Form 5500 filings and plan documents and may be incomplete or out of date. You may consider consulting a qualified professional and confirming all details with your plan administrator before making decisions. Waterfall Planning is not affiliated with GE Aerospace.

Find your risk profile

Answer 13 questions to see which allocation fits your situation.

Question 1 of 13

Risk assessment methodology based on Grable, J. E., & Lytton, R. H. (1999). Financial risk tolerance revisited: The development of a risk assessment instrument. Financial Services Review, 8, 163-181.

Allocation ideas

Five sample mixes built from this plan's funds, from conservative to growth. Take the assessment above to see which one fits your risk profile.

Recommended for you (based on your risk profile)
Conservative
Conservative

Capital preservation with minimal market exposure, built from bonds and stable value.

US equity   International   Bonds   Stable value
U.S. Aggregate Bond Index Fund 70%
State Street Custom Government Reserves Non-Lending Series Fund 30%
0% stocks / 100% bonds
Recommended for you (based on your risk profile)
Income & A Little Growth
Income & A Little Growth

Mostly bonds with a small stock sleeve for modest growth.

US equity   International   Bonds   Stable value
U.S. Aggregate Bond Index Fund 49%
State Street Custom Government Reserves Non-Lending Series Fund 21%
U.S. Large-Cap Equity Index Fund 19%
Non-U.S. Equity Index Fund 8%
U.S. Mid-Cap Equity Index Fund 3%
30% stocks / 70% bonds
Recommended for you (based on your risk profile)
Balanced
Balanced

A classic 60/40 split of stocks and bonds.

US equity   International   Bonds   Stable value
U.S. Large-Cap Equity Index Fund 39%
U.S. Aggregate Bond Index Fund 28%
Non-U.S. Equity Index Fund 15%
State Street Custom Government Reserves Non-Lending Series Fund 12%
U.S. Mid-Cap Equity Index Fund 6%
60% stocks / 40% bonds
Recommended for you (based on your risk profile)
Growth & Income
Growth & Income

Stock-heavy with a bond cushion for a long horizon.

US equity   International   Bonds   Stable value
U.S. Large-Cap Equity Index Fund 52%
Non-U.S. Equity Index Fund 20%
U.S. Aggregate Bond Index Fund 14%
U.S. Mid-Cap Equity Index Fund 8%
State Street Custom Government Reserves Non-Lending Series Fund 6%
80% stocks / 20% bonds
Recommended for you (based on your risk profile)
Growth
Growth

All stocks for maximum long-term growth potential, with higher short-term volatility.

US equity   International   Bonds   Stable value
U.S. Large-Cap Equity Index Fund 65%
Non-U.S. Equity Index Fund 25%
U.S. Mid-Cap Equity Index Fund 10%
100% stocks / 0% bonds
Stay on track

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These allocation ideas are educational illustrations built from this plan's available funds and a standard risk-tolerance assessment. They are not personalized investment advice or a recommendation, and risk tolerance is only one factor in an investment decision. You may consider consulting a qualified professional before making changes to your account.