Simon Property Group 401(k) Plan

Officially: SIMON PROPERTY GROUP AND ADOPTING ENTITIES MATCHING SAVINGS PLAN

Simon Property Group and Adopting Entities Matching Savings Plan is a 401(k) plan covering substantially all employees of Simon Property Group, L.P. and affiliated companies who have at least 60 days of service and are age 21 or older. As of December 31, 2024, the plan had 3,223 active participants and 1,117 total other participants (retired, separated, and beneficiaries), with plan assets of $597.6 million. Fidelity Management Trust Company serves as trustee and recordkeeper. The plan offers a tiered employer matching contribution and discretionary profit-sharing contributions.

Participants: 4,630 Plan assets: $597,638,417 Plan number: 002 Form 5500 plan year: 2024 Last verified: Jun 16, 2026 View Form 5500
Match
4% Match
Vesting
Participant and employer matching contributions vest immediately; discretionary profit-sharing contributions vest according to a 6-year graded schedule (0% to 100%).
Investment Options
22 funds
Auto-Enrollment
If automatically enrolled, a participant's deferral is set at 3% of his or her eligible compensation and will increase 1% annually, with a maximum automatic contribution of 10% of eligible compensation, unless changed by the participant.
Plan Size
$597,638,417

By Zac Murphy, CFA charterholder and CFP professional. Published June 16, 2026. Verified against Form 5500 plan year 2024.

Get a personalized look at your Simon Property Group 401(k) options

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Fund lineup

Fund Asset Class Type
Simon Property Group Stock Fund Company Stock Other
Invesco Stable Value B1 Stable Value Other
Mercer Small Mid Cap Stock Fund US Mid Cap Active
Mercer Diversified Bond US Bonds Active
Mercer International Stock International Equity Active
State Street US Index II US Large Cap Index
State Street Real Asset Real Estate Active
State Street Small Mid Cap Index US Mid Cap Index
State Street S&P 500 Index US Large Cap Index
State Street US Bond Index XIV US Bonds Index
State Street Target Return Income Target-date Other
State Street Target Return Income IV Target-date Other
State Street Target Return 2020 IV Target-date Other
State Street Target Return 2025 IV Target-date Other
State Street Target Return 2030 IV Target-date Other
State Street Target Return 2035 IV Target-date Other
State Street Target Return 2040 IV Target-date Other
State Street Target Return 2045 IV Target-date Other
State Street Target Return 2050 IV Target-date Other
State Street Target Return 2055 IV Target-date Other
State Street Target Return 2060 IV Target-date Other
State Street Target Return 2065 IV 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
100% match on the first 3% of eligible pay and 50% match on the next 2% of eligible pay
Match cap 75% of pay
Effective match rate 4%
Vesting Participant and employer matching contributions vest immediately; discretionary profit-sharing contributions vest according to a 6-year graded schedule (0% to 100%).
Waiting period Employees become eligible to contribute on the first day of the month coincident with or following completion of 60 days
$
Contribute this much to capture the full match
75% of your eligible pay, every paycheck.

100% match on the first 3% of eligible pay and 50% match on the next 2% of eligible pay Contributing less than 75% of your eligible pay leaves part of Simon Property Group's match unclaimed.

What the match is worth at your pay After 1 year of service, contributing 75%
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 Simon Property Group.

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
State Street US Bond Index XIV 70%
Invesco Stable Value B1 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
State Street US Bond Index XIV 49%
Invesco Stable Value B1 21%
State Street US Index II 19%
Mercer International Stock 8%
State Street Small Mid Cap Index 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
State Street US Index II 39%
State Street US Bond Index XIV 28%
Mercer International Stock 15%
Invesco Stable Value B1 12%
State Street Small Mid Cap Index 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
State Street US Index II 52%
Mercer International Stock 20%
State Street US Bond Index XIV 14%
State Street Small Mid Cap Index 8%
Invesco Stable Value B1 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
State Street US Index II 65%
Mercer International Stock 25%
State Street Small Mid Cap Index 10%
100% stocks / 0% bonds
Stay on track

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  • ✓ How to keep costs low with index funds
  • ✓ Plan updates when your filing changes

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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.