Employer & Sponsor List
Companies and foundations putting money into kids' 530A accounts. Updated weekly.
| Sponsor | Benefit | Type | Status |
|---|---|---|---|
| Loading… | |||
How employer and sponsor contributions work
Parents, relatives, employers, and qualifying public or charitable programs can contribute to a 530A. Personal and Section 128 employer contributions share a combined limit of $5,000 per child per year. Qualifying government and nonprofit class contributions made through Treasury are exempt from that cap. A qualifying employer program can contribute up to $2,500 per employee without including that amount in the employee's income, although it still counts toward the child's $5,000 limit. Treasury has also confirmed that approved philanthropic stock contributions can use its process.
The table above distinguishes three kinds of programs. Employer match means a company contributes to accounts belonging to its own employees' children; ask your HR or benefits team whether your employer participates and how to designate your child's account. Philanthropic means a foundation or donor contributes at scale, with no employment relationship required. ZIP-based programs, like the Dell Foundation's $250 gift, use geographic income criteria; check your ZIP here. We mark a sponsor "Verified" only when we've confirmed the benefit's details against a primary source; "Pledged" means the company appears in official program materials but hasn't published specifics yet. We re-check weekly and add new sponsors as they announce.
If your employer contributes, factor it into your planning: a $1,000/yr employer contribution means you only need about $333/mo of your own money to hit the cap. The contribution maximizer and growth calculator both let you model combined totals, and the eligibility checker confirms which deposits your child qualifies for in the first place.
How entries are verified and maintained
Each listing must identify the sponsor, the type of contribution, the group that may receive it, and a public source. We prefer the sponsor's benefits page, a corporate or foundation announcement, or Treasury material. A news report can alert us to a pledge, but the directory does not treat it as verified program detail unless the named sponsor or a government source confirms it. We do not add companies merely because they have expressed support for the broader initiative.
“Pledged” means a contribution was announced but important participation details are not yet public. “Verified” means we found a primary source describing the benefit and eligible group; it does not mean every employee or child qualifies. Dates, amounts, employment rules, and enrollment procedures can change between directory checks. Confirm the current benefit with HR or the sponsor before including it in contribution-limit planning, and report stale information through our corrections form.
What employees should confirm with HR
Ask whether the benefit is active or only announced, which workers and dependents qualify, whether enrollment is automatic, how the child’s account is identified, and when deposits are made. Confirm whether the stated amount is per employee, per child, or a match tied to the family’s contribution. Also ask what happens after a job change and whether a missed payroll or account-activation deadline can be corrected.
Do not assume the employer knows how much the family has already contributed. If parents, relatives, and an employer all deposit during the same year, designate one person to maintain the combined ledger. For a child receiving $1,500 from an employer, a planned $300 monthly family contribution would add $3,600 and bring ordinary combined contributions to $5,100. The family would need to reduce or stop a contribution before exceeding a $5,000 cap, unless a particular deposit is officially treated as exempt.
Why pledge details can remain incomplete
A public commitment may precede payroll integration, eligibility rules, account-provider instructions, and an effective date. That delay is why this directory keeps “Pledged” separate from “Verified” and why an entry is not a promise that a reader can receive money today. Use the source link to check the announcement date, then confirm current availability with the organization that administers the benefit.