Help build your future

The Caterpillar 401(k) Savings Plan

What the 401(k) offers

With tax advantages, a company match, and automatic payroll deductions — it’s a great way to start saving for your future.

Getting started

The important thing is to get started. So we’ll enroll you automatically on your eligibility date. But you can visit Benefits OnLine®or use the Benefits OnLine app to get started now.

Need help?

Call 800.228.4015

Merrill participant service representatives are available to help you Monday through Friday, from 8 a.m. to 9 p.m. Eastern.

Want to get started right away?

ENROLL NOW »

Make the most of the company match

The company matches 100% of the first 6% you contribute to your 401(k) plan account. That’s like getting paid to participate.

see what contributing 10% could mean for you »

Learn more about the 401(k):

Review the Plan’s key features

including automatic enrollment

Watch a brief presentation

on how you could benefit from your 401(k) plan

Visit the Education Center

for the resources that could help you strengthen your financial health

See how Merrill can help

Whether it’s a personal consultation or an educational event, Merrill offers the resources that can help you strengthen your financial health.

Schedule a consultation

Schedule your personal consultation with a Merrill professional at a time convenient for you.

schedule now

Attend a seminar

A variety of informative educational events are planned for 2023. You’ll receive additional information several weeks before these scheduled events.

view event schedule

Important disclosures

Investing involves risk, including the possible loss of principal value invested.

Merrill, its affiliates and financial advisors do not provide legal, tax or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions.

Merrill provides products and services to various employers, their employees and other individuals. In connection with providing these products and services, and at the request of the employer, Merrill makes available websites on the internet, mobile device applications and written brochures in order to provide you with information regarding your plan. Under no circumstances should these websites, applications and brochures, or any information included in these websites, applications and brochures, be considered an offer to sell or a solicitation to buy any securities, products or services from Merrill or any other person or entity.

Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as “MLPF&S” or “Merrill”) makes available certain investment products sponsored, managed, distributed or provided by companies that are affiliates of Bank of America Corporation (“BofA Corp.”). MLPF&S is a registered broker-dealer, registered investment adviser, Member SIPC and a wholly owned subsidiary of BofA Corp.

Investment products: