How to Get Your Fidelity 401(k) Statement
Where to find your Fidelity 401(k) statement online
Your Fidelity 401(k) statement is available through your online account at NetBenefits.com, Fidelity's portal for retirement and benefits information. Log in with your username and password, then navigate to the "Statements & Documents" or "Statements" section. Fidelity typically makes statements available within 30 days after the end of each quarter.
If you do not have a NetBenefits account yet, you can create one by visiting NetBenefits.com and selecting "Register" or "Create Login". You will need your Social Security number and some basic information from your plan documents to set up access. Once registered, you can view current and past statements whenever you need them.
Statements are usually available in PDF format, which you can read on screen or download to your computer. Fidelity keeps at least seven years of statements in your online account, so you can retrieve older documents if your employer's plan has been with Fidelity for that long.
Key Takeaways
- Log into NetBenefits.com with your username and password to view your 401(k) statement online within 30 days of each quarter ending.
- If you do not have a NetBenefits account, you can register on the website using your Social Security number and basic plan information.
- You can download statements as PDFs and Fidelity stores at least seven years of statement history in your account.
- If you prefer a paper copy, you can request one by phone or through your account settings, though online access is faster.
- Your statement shows your account balance, contributions, investment performance, and fees charged during the period.
What information appears on your Fidelity 401(k) statement
Your statement shows your account balance as of the statement date, broken down by how much you have in each investment option your plan offers. It also lists all contributions made during the quarter — both your own payroll deductions and any employer match or profit-sharing contributions. The statement shows the dollar amount and percentage gain or loss for each investment, so you can see how your choices performed.
Near the bottom of the statement, you will find fees charged to your account during the quarter. These may include investment management fees, plan administration fees, or individual service fees, depending on your plan's structure. The statement also shows your vesting schedule if you are still earning the right to your employer's contributions.
Requesting a paper statement by mail
If you prefer a printed copy, you can request one through NetBenefits.com by going to your account settings and selecting the option to receive statements by mail. You can also call Fidelity's retirement customer service line at 1-800-343-0860 to request a paper statement. Fidelity will mail it to the address on file, usually within 7 to 10 business days.
Paper statements arrive less frequently than online statements — typically once a year — unless you specifically request quarterly copies. Requesting paper statements does not stop your online statements from being generated, so you will have both available.
Accessing statements for a former employer's plan
If you left a job and your old employer's 401(k) was with Fidelity, you may still be able to view those statements. Log into NetBenefits.com and look for a section that shows multiple accounts or plans. If your former employer's plan is still with Fidelity, it should appear there. If the plan has been transferred to another company, you will need to contact that new provider to request old statements.
Some employers keep former employee accounts active in Fidelity for several years after you leave. Others move the money to a new custodian or require you to roll it over. If you cannot find your old plan in NetBenefits, contact your former employer's human resources department to learn where the plan is now held.
Understanding statement dates and timing
Fidelity 401(k) statements are issued quarterly, with statement dates typically falling on March 31, June 30, September 30, and December 31. The statement becomes available online 20 to 30 days after the quarter ends, so a March 31 statement usually appears in your account by late April. The exact timing depends on when your employer submits final contribution data to Fidelity.
If you are checking your balance before the statement is posted, you can view your current account value in the "Account Summary" or "Overview" section of NetBenefits, which updates more frequently than the formal statement. This real-time balance may differ slightly from your statement balance because it includes recent trades or pending contributions.
What to do if you cannot log into NetBenefits
If you have forgotten your password, select "Forgot Password" on the NetBenefits login page and follow the prompts to reset it. Fidelity will send a reset link to the email address on file. If you do not remember your username, you can retrieve it using your Social Security number and date of birth.
If you still cannot access your account, call Fidelity at 1-800-343-0860. A representative can verify your identity and help you regain access. Have your Social Security number and the name of your employer ready when you call. If your employer recently switched to Fidelity, your account may not be set up yet — the representative can tell you when it will be available.
Frequently Asked Questions
How often does Fidelity issue 401(k) statements?
Fidelity issues statements quarterly, with statement dates on March 31, June 30, September 30, and December 31. Statements become available online 20 to 30 days after each quarter ends. Some plans may also provide annual statements or statements on a different schedule depending on your employer's arrangement with Fidelity.
Can I download my statement as a PDF?
Yes. Once you log into NetBenefits and navigate to your statement, you can download it as a PDF file to your computer. The PDF includes all the information from your online statement and can be saved or printed for your records.
How far back can I view old statements?
Fidelity stores at least seven years of statements in your NetBenefits account. If your employer's plan has been with Fidelity for longer than seven years, you may be able to view older statements. Contact Fidelity directly if you need statements older than what appears in your account.
What if my employer just switched to Fidelity?
If your employer recently moved your 401(k) to Fidelity, it may take a few weeks for your account to be fully set up in NetBenefits. You should receive a welcome letter with instructions on how to register. If you do not receive it within two weeks, contact your employer's benefits department or call Fidelity at 1-800-343-0860.
Can I get statements for a 401(k) I rolled over to an IRA?
If you rolled your 401(k) into a Fidelity IRA, your IRA statements will appear in NetBenefits under your IRA account. The old 401(k) statements may no longer be available through your employer's plan once the rollover is complete. Your IRA statements will show your account activity going forward.