RALPH LAUREN CORPORATION 401(K) PLAN Contribution & Employer Match

How RALPH LAUREN CORPORATION Supports Your Retirement Savings

RALPH LAUREN CORPORATION provides retirement savings benefits through RALPH LAUREN CORPORATION 401(K) PLAN. Understanding your employer’s contribution structure is essential — it directly affects how quickly your retirement nest egg grows. Below you will find the plan’s average account values and contribution patterns based on publicly filed data.

RALPH LAUREN CORPORATION 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for RALPH LAUREN CORPORATION 401(K) PLAN is $54,271.00

RALPH LAUREN CORPORATION 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for RALPH LAUREN CORPORATION 401(K) PLAN is $2,002.00. If you contribute an amount exceeding this, you have saved more than your colleagues. Congratulations! Keep up the good work. Otherwise, you might want to consider contributing more to ensure a better retirement future.
128,187.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 2,002.00 in RALPH LAUREN CORPORATION 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in RALPH LAUREN CORPORATION 401(K) PLAN

An employer match is one of the most valuable benefits in any 401(k) plan — it is essentially free money added to your retirement savings. Your employer contributes additional funds based on a percentage of your own contributions. Missing out on the full match is one of the most common and costly retirement mistakes employees make.

RALPH LAUREN CORPORATION 401(K) PLAN Total Employer Contribution and Match Rate

In 2024, RALPH LAUREN CORPORATION 401(K) PLAN allocates $15,117,315.00 to match its employees’ contributions, providing an employer match rate of 50.68% of their contributions

RALPH LAUREN CORPORATION 401(K) PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in RALPH LAUREN CORPORATION 401(K) PLAN is approximately $992.00
Investing in this additonal $992.00 for 20 years would give you extra $63,526.00, assuming a 10% annual return.

* Data are from public filings.

Are You Leaving Dollars on the Table?

If you are not contributing enough to capture the maximum employer match, you are literally turning down part of your compensation. For many plans, this can mean thousands of dollars per year in lost employer contributions — money that would compound over decades.

Use the policy details and calculator below to find out exactly how much you need to contribute to capture every dollar of employer matching.

RALPH LAUREN CORPORATION 401(K) PLAN Contribution & Match Policy

RALPH LAUREN CORPORATION 401(K) PLAN Plan Policies

RALPH LAUREN CORPORATION 401(K) PLAN Contribution, Match and Other Plan Policies

  • Participants may elect to make basic pre-tax and/or Roth after-tax contributions to their respective Plan accounts of up to 25% of their annual compensation, except for highly compensated employees who may contribute up to 6% of their annual compensation.
  • Additionally, as permitted by the IRS, participants that are 50 years of age or greater are eligible to make $7,500 of additional annual "catch-up" contributions beyond the respective contribution limits for highly compensated and non-highly compensated employees noted above.
  • The Company’s matching contribution is equal to 50% of the first 6% of the participant’s basic contribution and cannot exceed 3% of an employee’s annual compensation.
  • The maximum amount of the matching contribution may be increased or decreased at the discretion of the Company’s Board of Directors.
  • Additionally, to provide employees with an opportunity to share in a "target or above" Company performance level, a supplemental matching contribution may be made to certain eligible participants if the Company achieves certain defined performance levels based on goals established and approved by the Talent, Culture & Total Rewards Committee of the Company’s Board of Directors at the beginning of its fiscal year.
  • Plan participants immediately vest in their own basic contributions, rollover contributions, and any earnings thereon.
  • Participants vest 40% in the Company’s matching and profit-sharing contributions, and any earnings thereon, after completing two years of service.
  • Vesting increases thereafter at a rate of 20% per year such that a participant is fully vested after five years of service.
  • Participants also become fully vested if, while employed, they attain 65 years of age or become Permanently Disabled, as defined in the Plan document.
  • In the event of a participant’s death, their beneficiary shall be entitled to receive the participant’s entire account balance.

2025 IRS 401(k) Contribution Limits

The IRS sets annual limits on how much you and your employer can contribute to a 401(k) plan. Knowing these limits helps you maximize tax-advantaged savings. Here are the current limits:

 20242025
Employee elective deferrals (pretax + Roth)$23,000$23,500
Employee + employer contributions combined$69,000$70,000
Catch-up contributions (age 50+)$7,500$7,500
Enhanced catch-up (ages 60–63, SECURE 2.0)N/A$11,250

The power of maxing out: If you contribute the full $23,500 annually for 20 years at a 10% average annual return, you would accumulate approximately $1,505,256. If you can maximize the combined employee+employer limit of $70,000 per year, that grows to roughly $4,480,385 over the same period — more than triple.

Use the 401(k) Savings Calculator to model your specific contribution scenario and see how your savings can grow over time.

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