The PRAP — or Pilot Retirement Account Plan — is United Airlines’ primary 401(k) retirement savings vehicle, administered through Charles Schwab. United contributes 18% of eligible compensation in 2026, up to the IRS compensation limit of $360,000, with total combined contributions potentially reaching up to $80,000 annually for pilots ages 60 through 63 who use the SECURE 2.0 super catch-up provision. Pilots may choose from pretax, Roth, and after-tax contribution options and may access a broader range of investments through the PCRA brokerage window within the plan.
We exist so you don’t have to worry about money. For more than 40 years, we’ve taken the sophisticated, time-tested approach that many ultra-high net worth individuals use to help manage their financial lives and made it accessible to more families.
