Tiffany and Company 401(k) Review & Grade
Tiffany & Company Employee P/S & Retirement Savings Plan
New York, NYRetail Trade5,184 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$4,308Employer $ per active participant
$6,769Employee $ saved per active participant
0.05%Direct admin cost, % of plan assets
$966.1MNet plan assets, end of year
$123,714Average balance per account
Score breakdown
- Employer generosity48.1 / 5096th percentile for employer $ per participant
- Low cost19.7 / 2579th percentile for low admin cost vs. same-size plans
- Employee saving14.1 / 1594th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score92 / 100 · Grade A
This plan vs. peers
Peers: Retail Trade plans with 2,500–9,999 active participants (183 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 96th |
| Lower admin cost | 79th |
| Employee saving | 94th |
| Peers that auto-enroll | 42% |
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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
- Tiffany and put in about $4,308 per active participant, more than the typical peer ($650). 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 | $22,335,580 |
| Participant (employee) contributions | $35,094,566 |
| Other contributions (incl. rollovers in) | $4,170,340 |
| Administrative expenses paid from the plan | $453,100 |
| Contract administrator fees | $435 |
| Investment advisory & management fees | $201,979 |
| Other admin expenses | $520 |
| Benefits paid out | $104,038,811 |
| Net assets, start / end of year | $870.9M / $966.1M |
| Active participants, start / end of year | 5,092 / 5,277 |
| Participants with account balances | 7,809 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Cohnreznick LLP |
Largest service providers (Schedule C)
| Empower Annuity Insurance Company O | $238,616 reported compensation |
| Capfinancial Partners LLC DBA Captr | $201,979 reported compensation |
| Cohnreznick LLP | $11,550 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251111124348NAL0002822419001, received 2025-11-11, EIN 13-1387680, plan #002, plan year 2024-02-01 to 2025-01-31. Verify at efast.dol.gov.