2021 Plan Year Information

401(k) Plan Eligibility

Saving for retirement should be one of your most important goals, regardless of your age. Participating in the Morgan Stanley 401(k) Plan can help you achieve that goal.

Generally, you are eligible to participate in the 401(k) Plan if you are US benefits-eligible and a full-time or part-time employee.


If you are a part-time employee regularly scheduled to work less than 20 hours per week, you can participate in the Firm’s 401(k) after one year of employment or upon turning 21, whichever is later.

Enroll in the 401(k) Plan

As an eligible employee, you can generally start participating in the 401(k) Plan any time on or after your hire date or, if later, the date you meet the eligibility requirements outlined in the 401(k) Summary Plan Description.

To enroll in the 401(k) Plan, visit the Morgan Stanley Benefit Center website and go to Savings and Retirement > 401(k) Savings Plan > Change Contributions and designate the rate of pay by pay type you want to contribute.