Abercrombie & Fitch Co. 401(k) Review & Grade
Abercrombie & Fitch Co. Savings and Retirement Plan
New Albany, OHRetail Trade40,004 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$364Employer $ per active participant
$621Employee $ saved per active participant
0.08%Direct admin cost, % of plan assets
$487.7MNet plan assets, end of year
–Average balance per account (account count looks misreported)
Score breakdown
- Employer generosity10.2 / 5020th percentile for employer $ per participant
- Low cost13.5 / 2554th percentile for low admin cost vs. same-size plans
- Employee saving1.0 / 157th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-10 pts1 issue reported on the filing
Total score18 / 100 · Grade F
This plan vs. peers
Peers: Retail Trade plans with 10,000+ active participants (124 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 20th |
| Lower admin cost | 54th |
| Employee saving | 7th |
| Peers that auto-enroll | 32% |
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Red flags from the filing
Prohibited transactions: the plan reported non-exempt transactions with a party in interest.
What to do if you're in this plan
- Abercrombie & Fitch put in about $364 per active participant, below the typical peer ($689). Any match is still an instant return, so contribute enough to get all of it.
- The filing shows total dollars, not the match formula. Ask HR for the Summary Plan Description so you know the exact match and vesting schedule.
- Fund expense ratios aren't in the filing. Look them up in your 404(a)(5) fee disclosure and favor low-cost index or target-date funds.
- Changing jobs? You can usually leave the money in the plan, move it to your new employer's plan, or roll it into an IRA. Don't cash out: you'd owe taxes and possibly a 10% penalty.
The raw numbers from the filing
| Employer contributions | $14,577,258 |
| Participant (employee) contributions | $24,853,412 |
| Other contributions (incl. rollovers in) | $2,682,465 |
| Administrative expenses paid from the plan | $359,767 |
| Investment advisory & management fees | $81,400 |
| Benefits paid out | $34,529,488 |
| Net assets, start / end of year | $418.5M / $487.7M |
| Active participants, start / end of year | 36,862 / 43,145 |
| Participants with account balances | 5,159 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Ary Roepcke Mulchaey, P.C. |
Largest service providers (Schedule C)
| Fidelity Invest Inst. Oper Co, Inc. | $228,773 reported compensation |
| World Investment Advisors | $81,400 reported compensation |
| Ary Roepcke Mulchaey, P.C. | $32,657 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251010123302NAL0012596368001, received 2025-10-10, EIN 31-1469076, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.