401(k) Plan Features

Your AutoZone, Inc. 401(k) Plan allows you to save for retirement on a pre-tax and/or Roth basis. Effective September 1, 2023, the Plan is administered through Fidelity, which means you can find all of your information about the Plan and account balances on Fidelity NetBenefits^®. Learn more on this page about how AutoZone can help you as you work toward your retirement goals and how to access your account information through Fidelity.

We’re in this together

Saving for retirement can feel like a lot – after all, it takes your entire career to do it! The AutoZone match is designed to help you along the way by matching 100% of every dollar you contribute up to 3% and 50% of every dollar for the next 2% contributed. AutoZoners are eligible for the company match after one-year of service.

Who’s eligible

All full-time and part-time U.S. and U.S. Virgin Island AutoZoners age 18 or older can participate in the AutoZone, Inc. 401(k) Plan immediately upon hire.

You’ve got options

Whatever your retirement goals, you can elect to contribute 1% to 75% of your eligible earnings up to annual IRS limits. You can customize your Plan contributions based on what’s best for your unique situation. The AutoZone, Inc. 401(k) Plan has different contributions options:

Pre-tax Contributions

You’ll pay income taxes when you withdraw your money, typically in retirement. This might be a good option if you think your tax bracket will be lower when you retire.

Roth Contributions

You pay taxes when you contribute to the Plan, so you may be able to withdraw your money tax-free when you retire*. This might be a good option if you think your tax bracket will be higher when you retire.

Catch-up Contributions

If you’re age 50 or older, you can make additional pre-tax and/or Roth catch-up contributions, up to IRS limits.

*Withdrawals are tax-free if considered a qualified distribution. For a distribution to be considered qualified, the 5-year aging requirement has to be satisfied, and the distribution must be made after you turn age 59½, are disabled, or after your death.

A note on loans and hardship withdrawals

If your financial situation takes a turn and you need to take a loan or make a hardship withdrawal, you do have that option. Speak with a Fidelity professional at (800) 835-5095 Monday through Friday, from 8:30 a.m. – 8:30 p.m. ET for more information, and for help making a plan to pay yourself back.

Have more 401(k) Plan questions?

Learn more in the FAQs

Review Summary Plan Description (SPD)

NetBenefits

NetBenefits is your one stop shop for all of your account information, all in one place.

To access NetBenefits, you’ll need to log in. If you don’t have an account, click the link below and follow the instructions to create an account.

Go to NetBenefits

NetBenefits on the go

Download the app

Find the right support for you. Contact the resources below for additional help.

To connect with a Fidelity professional, call (800) 835-5095, Monday through Friday, from 8:30 a.m. – 8:30 p.m. ET, excluding NYSE holidays.

For questions about the AutoZone 401(k) Plan and the AutoZone Puerto Rico Inc. Retirement Plan, email az.benefits401kRSP@autozone.com.

For questions about the Employee Stock Purchase Plan (ESPP) and Deferred Compensation, email compensation@autozone.com

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