The UPS 401(k) Savings Plan is how UPS employees build retirement savings straight out of their paycheck — and for many it sits alongside a traditional pension, a rare one-two punch these days. You manage it through the employee portal at upsers.com, with the plan administered by Voya. This guide explains how the UPSers 401(k) works, contribution limits, pre-tax vs. Roth, employer match, and how to access and manage your account.
This is an independent help guide for UPS employees and is not financial advice. Manage your real plan on the official www.upsers.com portal and the plan provider’s site — we are not affiliated with United Parcel Service.
UPSers 401k Plan – UPS 401(k) Savings Plan
A 401(k) is a tax-advantaged way to save for the future: a percentage of your pay is set aside each pay period and invested for the long term. With the UPS plan you choose how much to contribute and how it’s invested, and the money grows until retirement. Teamsters-represented employees typically have a pension as well, so the 401(k) is an added layer of retirement savings on top.
Contribution limits
You can contribute up to a set percentage of your eligible pay (the UPS plan generally allows roughly 1%–35% of pay), on a pre-tax and/or Roth basis, up to the annual dollar limit the IRS sets each year:
- Annual employee limit: the IRS adjusts this yearly — it was $23,500 for 2025 (it rises most years, so check the current figure).
- Catch-up (age 50+): an extra amount on top — $7,500 for 2025.
- Ages 60–63: under SECURE 2.0, a higher “super catch-up” may apply — check your plan and the current IRS limit.
Your combined pre-tax and Roth contributions can’t exceed the IRS annual limit. Because the numbers change every year, always confirm the current limit in your plan materials.
Pre-tax vs. Roth 401(k)
- Pre-tax: contributions lower your taxable income now; you pay tax when you withdraw in retirement.
- Roth 401(k): contributions are made with after-tax dollars now, and qualified withdrawals in retirement are tax-free.
You can split between the two. Which is better depends on your tax situation now versus what you expect in retirement.
Employer match and vesting
Whether you get a company match depends on your employee group: some non-union UPS employees receive a 401(k) match, while many Teamsters-represented employees rely on their pension alongside the 401(k). Check your specific plan to see if a match applies and how much. Your own contributions are always 100% vested (they’re yours); any employer match vests according to the plan’s schedule.
Loans, withdrawals and rollovers
- Loans: 401(k) plans often let you borrow from your balance and repay yourself with interest.
- Hardship withdrawals: may be allowed for qualifying needs, subject to taxes and rules.
- After age 59½: you can generally withdraw without the early-withdrawal penalty.
- When you leave UPS: you can usually roll your balance into an IRA or a new employer’s plan.
Investments and advice
The plan offers a menu of investment options you select inside your account. For guidance, the UPS plan provides access to Voya Retirement Advisors — you can reach professional advisors online or by phone to help with your strategy.
How to access and manage your UPS 401(k)
- Log in at www.upsers.com with your Employee ID and password. Locked out? Reset your password.
- Open the retirement / 401(k) area, which links you to the plan’s provider site (Voya).
- There you can set your contribution rate, choose investments, check “Plan News and Updates,” view contribution limits, and use Voya Retirement Advisors.
This information is general and not investment or tax advice. Plan features, limits and match can change — your official plan documents and the upsers.com portal are the source of truth.
Frequently asked questions
How do I access my UPS 401(k)?
Log in at upsers.com with your Employee ID, open the retirement/401(k) section, and follow the link to the plan provider (Voya) to manage contributions and investments.
How much can I contribute to the UPS 401(k)?
Up to a set percentage of your pay (about 1%–35%), capped by the IRS annual limit — $23,500 for 2025, plus a $7,500 catch-up at age 50+. The limit changes yearly, so check the current figure.
Does UPS match 401(k) contributions?
It depends on your employee group. Some non-union employees get a company match; many Teamsters-represented employees rely on their pension alongside the 401(k). Check your specific plan.
Can I make Roth contributions to the UPS 401(k)?
Yes — the plan allows pre-tax and Roth 401(k) contributions, and you can split between them, up to the combined IRS annual limit.
Related: UPSers Benefits · Pay Stub · Discounts & Stock Plan · UPSers Login.