PVH Corp 401(k) Review & Grade
PVH Associates Investment Plan
Bridgewater, NJWholesale Trade5,690 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$3,454Employer $ per active participant
$5,528Employee $ saved per active participant
0.06%Direct admin cost, % of plan assets
$827.6MNet plan assets, end of year
$77,137Average balance per account
Score breakdown
- Employer generosity34.3 / 5069th percentile for employer $ per participant
- Low cost18.2 / 2573th percentile for low admin cost vs. same-size plans
- Employee saving7.4 / 1549th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score67 / 100 · Grade B
This plan vs. peers
Peers: Wholesale Trade plans with 2,500–9,999 active participants (103 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 69th |
| Lower admin cost | 73th |
| Employee saving | 49th |
| Peers that auto-enroll | 62% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
Red flags from the filing
Corrective distributions: the plan refunded $4,602 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- PVH put in about $3,454 per active participant, more than the typical peer ($2,459). Contribute at least enough to collect the full match. Skipping it leaves part of your pay on the table.
- 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.
- The plan auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- 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 | $19,652,870 |
| Participant (employee) contributions | $31,456,646 |
| Other contributions (incl. rollovers in) | $3,306,102 |
| Administrative expenses paid from the plan | $488,312 |
| Investment advisory & management fees | $67,634 |
| Other admin expenses | $400 |
| Benefits paid out | $109,398,773 |
| Net assets, start / end of year | $782.9M / $827.6M |
| Active participants, start / end of year | 5,946 / 5,435 |
| Participants with account balances | 10,729 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Withumsmith+brown, P.C. |
| Employer stock held by plan | $24,583,477 |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company | $420,278 reported compensation |
| Empower Advisory Group, LLC | $67,634 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250717112508NAL0000298722001, received 2025-07-17, EIN 13-1166910, plan #007, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.