See Who's Eligible

If you’re an eligible regular full-time or part-time employee on the U.S. payroll (including Puerto Rico and the U.S. Virgin Islands), you’re eligible to start saving immediately in the American Airlines, Inc. 401(k) Plan.

You may also qualify to receive contributions from the company that boost your savings power starting with the first paycheck after you complete one year of eligibility service.

Know How to Participate

Take Action

You can enroll in the plan or change your contribution rate as noted below:

Online: (Fidelity NetBenefits® website)

By phone: (800) 354-3412 (American Airlines 401(k) Service Center at Fidelity)

When you enroll, you choose:

  • How much you want to contribute — from 1% to 100% of your eligible pay, up to IRS limits
  • How to contribute — on a pre-tax, pre-tax catch-up*, Roth**, Roth** catch-up* and/or after-tax basis
  • How you want to invest your account — choose from a range of funds

    *Catch-up contributions are allowed for those employees who have reached age 50 or will reach 50 during the calendar year
    **Roth contributions are not available for Puerto Rico-based employees

Automatic Enrollment

If you don’t enroll or opt out of the plan in your first 30 days of employment, you will be automatically enrolled with a 3% deduction taken from each paycheck and deposited as a pre-tax contribution to your account.

You’re always in control of your account. You may change your savings rate at any time on the NetBenefits website or by calling (800) 354-3412. If you are auto-enrolled and decide to stop contributions within 90 days of the auto-enrollment date, you have a one-time option to receive a refund of your contributions. Because those contributions are made on a pre-tax basis, the refund is subject to taxation.

Start Early

Why is now such an important time to start? The earlier you start, the more you can take advantage of compounding. The goal is that over time, your investments generate earnings, and those earnings generate even more earnings. It’s a powerful way to grow your savings.


Let’s compare the ending balances of two hypothetical participants at age 65: One who began saving $500 per month at age 21 and contributed until age 65, and another who waited until age 31 to begin saving the same $500 per month.

Graph from Fidelity

This example is for education only and is not meant to provide tax or investment advice. Your own 401(k) account may earn more or less than this example, and income taxes may be due when you withdraw from your account. Investing in this manner does not ensure a profit or guarantee against loss in declining market.

To find out the difference based on variables you choose, click on the Contribution Calculator tool available on the NetBenefits website under Contribution Amount.