Ralph Lauren Corporation 401(k) Review & Grade
Ralph Lauren Corporation 401(k) Plan
Nutley, NJWholesale Trade10,920 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,384Employer $ per active participant
$2,731Employee $ saved per active participant
0.07%Direct admin cost, % of plan assets
$826.6MNet plan assets, end of year
$82,573Average balance per account
Score breakdown
- Employer generosity11.8 / 5024th percentile for employer $ per participant
- Low cost14.6 / 2559th percentile for low admin cost vs. same-size plans
- Employee saving2.2 / 1515th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score32 / 100 · Grade D
This plan vs. peers
Peers: Wholesale Trade plans with 10,000+ active participants (35 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 24th |
| Lower admin cost | 59th |
| Employee saving | 15th |
| Peers that auto-enroll | 63% |
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Red flags from the filing
No red flags were reported on this filing's compliance questions.
What to do if you're in this plan
- Ralph Lauren put in about $1,384 per active participant, below the typical peer ($2,420). 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 | $15,117,315 |
| Participant (employee) contributions | $29,827,536 |
| Other contributions (incl. rollovers in) | $2,520,430 |
| Administrative expenses paid from the plan | $556,038 |
| Investment advisory & management fees | $87,646 |
| Other admin expenses | $92,076 |
| Benefits paid out | $77,022,941 |
| Net assets, start / end of year | $759.1M / $826.6M |
| Active participants, start / end of year | 11,047 / 10,794 |
| Participants with account balances | 10,010 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Cohnreznick |
Largest service providers (Schedule C)
| T Rowe Price RPS Inc | $376,395 reported compensation |
| 401(k) Advisors, Inc | $91,197 reported compensation |
| Morgan, Lewis & Bockius LLP | $76,509 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014233802NAL0001887747001, received 2025-10-15, EIN 13-2622036, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.