Your FedEx Freight pay stub can look complicated with all the line items, codes, and deductions. But once you understand what each section means, you can quickly verify your paycheck is accurate every week. Here's a complete breakdown.
Earnings Section
This is the top portion of your stub showing how your gross pay is calculated.
Common Earnings Line Items
- Regular Hours — Your straight-time hourly rate multiplied by hours worked (up to 40 hours/week)
- Overtime (OT) — 1.5x your hourly rate for hours over 40 in a workweek
- Mileage Pay — Per-mile rate for road drivers on linehaul runs
- Stop Pay — Additional pay per stop on city/P&D routes
- Breakdown/Delay Pay — Compensation for mechanical breakdowns or wait times
- Holiday Pay — Premium rate for working holidays or holiday pay for days off
- Vacation Pay — Paid time off when used
Pre-Tax Deductions
These come out of your gross pay before taxes are calculated, which lowers your taxable income:
- 401(k) contributions — Your retirement savings (percentage you elected)
- Health insurance premiums — Medical, dental, vision
- HSA/FSA contributions — Health savings or flexible spending accounts
- Life insurance — If you opted for additional coverage
Pro Tip: Pre-tax deductions save you money. A $100 pre-tax 401(k) contribution doesn't reduce your take-home by $100 — it reduces it by about $70-80 (depending on your tax bracket) because you're not paying taxes on that $100.
Tax Withholdings
- Federal Income Tax — Based on your W-4 filing status and allowances
- State Income Tax — Varies by state (some states have no income tax)
- Social Security (OASDI) — 6.2% of gross pay up to the annual wage base
- Medicare — 1.45% of all gross pay (no cap)
- Local/City Tax — Some cities and counties have additional taxes
Post-Tax Deductions
- Roth 401(k) — If you contribute to Roth instead of traditional
- Union dues — If applicable at your terminal
- Garnishments — Court-ordered deductions if applicable
- Uniform deductions — If you're paying for uniforms
How to Verify Your Pay
- Check your hours — Compare the hours on your stub to your actual clock-in/clock-out times
- Verify your rate — Make sure your hourly rate matches your current pay rate
- Calculate overtime — Any hours over 40 should be at 1.5x your regular rate
- Check mileage — If paid per mile, verify the miles match your trip reports
- Review deductions — Make sure nothing unexpected appeared
- Compare to previous stubs — Big swings in deductions could indicate an error
Common Pay Stub Errors to Watch For
- Missing overtime hours or overtime paid at regular rate
- Mileage discrepancies (wrong miles logged)
- Incorrect tax withholding after a W-4 change
- Double deductions for benefits
- Missing stop pay or delay pay
Keep Records: Save your pay stubs and keep a personal log of your hours and miles. If there's ever a dispute, your records are your best evidence.
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