Industry · Form 5500 business code 448120
Women's Clothing Stores: retirement plans
Plans whose sponsor entered this principal business activity code on Form 5500.
Form 5500 information is as filed by the plan administrator with the Department of Labor and may be amended. Figures reflect the plan year shown, not current balances. The business code is chosen by the filer from the list in the Form 5500 instructions.
For plan year 2024, 31 retirement plans in women's clothing stores with 100 or more participants filed Form 5500: 29 defined contribution and 2 defined benefit. They reported 122,812 participant records and $3.47B in net assets, counting every plan on the form.
The median defined contribution plan held $20,195 per participant, well below the national median of $53,031, and its employer put in $789 per active participant (national: $2,174). Among plans reporting Schedule C compensation the median was $47.08 per participant against $123 nationally.
Employers contributed $83.1M and participants $141M during the year, and the plans paid out $377M in benefits.
In 2009 the same group numbered 56 plans with $1.73B; by 2024 it was 31 plans (down 45%) and $3.47B (up 101%). From plan year 2023 the 100-participant line counts participants with account balances, which moved many plans to the short form.
Medians compared with all US plans
| Median plan, plan year 2024 | Industry: DC | US: DC | Industry: DB | US: DB |
|---|---|---|---|---|
| Net assets per participant | $20,195 | $53,031 | $37,977 | $86,234 |
| Employer contributions per active participant | $789 | $2,174 | $11,243 | $10,244 |
| Schedule C compensation per participant | $47.08 | $123 | $425 | $344 |
| Schedule C compensation, share of net assets | 0.24% | 0.26% | 0.79% | 0.42% |
| Administrative expenses per participant | $46.61 | $116 | $469 | $527 |
Medians across plans with 100 or more participants (29 DC and 2 DB plans with a Schedule H here). Fee medians cover plans reporting an amount. DC: defined contribution, such as 401(k) and 403(b). DB: defined benefit pension.
Distribution of DC plans
| Measure | 25th percentile | Median | 75th percentile | Plans |
|---|---|---|---|---|
| Net assets per participant | $12,692 | $20,195 | $30,564 | 29 |
| Employer contributions per active participant | $301 | $789 | $1,139 | 25 |
| Schedule C compensation per participant | $32.57 | $47.08 | $74.67 | 25 |
| Administrative expenses per participant | $19.70 | $46.61 | $75.66 | 27 |
Trend by plan year
| Plan year | Plans 100+ | Participants | Net assets | Employer contributions | Participant contributions | Median DC assets / participant | Median DC Sch. C / participant |
|---|---|---|---|---|---|---|---|
| 2024 | 31 | 122,812 | $3.47B | $83.1M | $141M | $20,195 | $47.08 |
| 2023 | 35 | 120,156 | $3.19B | $116M | $140M | $18,088 | $73.15 |
| 2022 | 42 | 124,047 | $2.85B | $110M | $145M | $15,144 | $67.21 |
| 2021 | 46 | 125,557 | $3.51B | $125M | $132M | $17,819 | $45.76 |
| 2020 | 46 | 143,318 | $3.19B | $113M | $124M | $11,928 | $32.95 |
| 2019 | 46 | 145,813 | $3.03B | $135M | $145M | $12,109 | $34.13 |
| 2018 | 39 | 140,246 | $2.57B | $118M | $136M | $13,291 | $45.34 |
| 2017 | 42 | 143,079 | $2.95B | $114M | $130M | $15,364 | $34.68 |
| 2016 | 48 | 144,144 | $2.70B | $132M | $138M | $13,038 | $23.52 |
| 2015 | 52 | 150,118 | $2.84B | $117M | $138M | $11,430 | $23.54 |
| 2014 | 53 | 152,402 | $2.85B | $116M | $117M | $12,292 | $28.35 |
| 2013 | 52 | 169,220 | $2.73B | $116M | $120M | $10,681 | $20.10 |
| 2012 | 48 | 175,897 | $2.26B | $97.3M | $116M | $9,487 | $13.19 |
| 2011 | 53 | 178,905 | $2.06B | $99.1M | $112M | $9,175 | $13.18 |
| 2010 | 49 | 186,370 | $1.96B | $99.4M | $102M | $8,549 | $12.90 |
| 2009 | 56 | 196,050 | $1.73B | $94.4M | $103M | $7,716 | $15.76 |
Plan year is the year in which the plan year began. The drop in large plans from 2023 follows a rule change: the 100-participant line now counts participants with account balances, so many plans moved to the short form.
Provider share
Service provider organisations named most often on the Schedule C of the 30 plans on this page's list, by number of plans. A plan usually names several providers.
Largest plans
The 30 largest by participants of 30 plans with a page on this site.
| Plan | Sponsor | State | Type | Participants | Net assets | Per participant | Employer / active | Sch. C / participant |
|---|---|---|---|---|---|---|---|---|
| Bath & Body Works, Inc. 401(k) Savings and Retirement Plan | L Brands Service Company LLC | OH | DC | 30,989 | $1.22B | $39,239 | $1,071 | $46.61 |
| Victoria's Secret & Co. 401(k) Savings and Retirement Plan | VS Service Company, LLC | OH | DC | 18,729 | $893M | $47,655 | $1,930 | $74.18 |
| Premium Brands Services LLC 401(k) Savings Plan | Premium Brands Services LLC | NJ | DC | 14,283 | $383M | $26,790 | $619 | $38.43 |
| Chico's Fas, Inc. 401(k) Elective Deferral Plan | Chico's Fas, Inc. | FL | DC | 11,612 | $195M | $16,790 | $301 | $33.15 |
| David's Bridal 401(k) Retirement Plan | Davids Bridal, Inc. | PA | DC | 8,327 | $66.1M | $7,940 | — | $19.93 |
| Rainbow Apparel 401(k) Savings Plan | Aijj Enterprises, Inc. | NY | DC | 6,138 | $81.8M | $13,333 | $348 | $64.28 |
| The Cato Corporation Employee Stock Ownership Plan | The Cato Corporation | NC | DC | 6,073 | $15.7M | $2,579 | — | — |
| Phoenix Savings & Retirement Plan | Phoenix Retail, LLC | OH | DC | 4,983 | $141M | $28,302 | $887 | $22.28 |
| The Cato Corporation 401(K)/PROFIT Sharing Plan | Cato Corporation | NC | DC | 3,591 | $72.9M | $20,295 | $394 | $14.75 |
| Maurices Incorporated 401(k) Savings Plan | Maurices, Inc. | MN | DC | 2,822 | $52.0M | $18,424 | $789 | $43.58 |
| J.jill 401(k) Plan | Jill Acquisition LLC | MA | DC | 2,200 | $82.9M | $37,681 | $1,118 | $50.00 |
| Aritzia 401(k) Plan | United States of Aritzia, Inc. DBA Aritzia | NY | DC | 1,650 | $13.6M | $8,225 | $514 | $61.32 |
| Fashion Nova, Inc. 401(k) Plan & Trust | Fashion Nova, Inc. | CA | DC | 1,623 | $16.2M | $10,004 | $922 | $42.38 |
| Stand Out for Good, Inc. 401(k) Profit Sharing & Trust | Stand Out for Good, Inc. | TN | DC | 1,458 | $9.8M | $6,753 | $254 | $32.57 |
| Windsor Fashions 401(k) Savings Plan | Windsor Fashions, Inc. | CA | DC | 1,164 | $14.8M | $12,692 | $1,123 | $159 |
| Eileen Fisher, Inc. Employee Stock Ownership Plan | Eileen Fisher, Inc. | NY | DC | 975 | $24.1M | $24,688 | $3,708 | — |
| The Talbots, Inc. Pension Plan | The Talbots, LLC | MA | DB | 954 | $53.5M | $56,067 | $11,243 | $828 |
| Pipes & Shaw LLC 401(k) Plan | Pipes & Shaw LLC | NY | DC | 723 | $13.0M | $18,010 | $1,295 | $29.26 |
| Evereve 401(k) Plan | Evereve Incorporated | MN | DC | 701 | $17.1M | $24,386 | $1,673 | $74.67 |
| St. John Knits International, Incorporated 401(k) Plan | St. John Knits | CA | DC | 589 | $28.3M | $48,091 | $1 | $25.69 |
| Everlane, Inc. Retirement Trust | Everlane, Inc. | CA | DC | 462 | $8.0M | $17,267 | $0 | $139 |
| Bci Brands, LLC Employee Savings Plan | Bci Brands, LLC | NY | DC | 407 | $12.4M | $30,564 | $0 | $24.23 |
| Johnny Was 401(k) Plan | Johnny Was, LLC | GA | DC | 383 | $4.5M | $11,692 | — | $47.08 |
| Title 9 Sports, Inc. 401(k) Profit Sharing Plan & Trust | Title 9 Sports, Inc. | CA | DC | 310 | $15.4M | $49,622 | $1,601 | $117 |
| Boston Proper, LLC 401(k) Plan | Boston Proper, LLC | FL | DC | 264 | $5.3M | $20,195 | $2,939 | $71.42 |
| Cabi LLC 401(k) Profit Sharing Plan & Trust | Cabi LLC | CA | DC | 264 | $16.7M | $63,245 | $2,722 | $137 |
| Jeans Warehouse,inc. Employee Stock Ownership Plan | Jeans Warehouse, Inc. | HI | DC | 247 | $3.9M | $15,809 | $3 | — |
| Caastle 401(k) Retirement Savings Plan for Corporate Employees | Caastle, Inc. | NY | DC | 178 | $10.9M | $61,064 | — | $231 |
| Bernard Chaus, Inc. Pension Plan for Bargaining Unit Employees | Bci Brands, LLC | NY | DB | 146 | $2.9M | $19,887 | — | $21.51 |
| Summersalt Inc. 401(k) Plan | Summersalt Inc. | MO | DC | 136 | $1.1M | $8,424 | $0 | — |
By plan size
By state
Questions and answers
How many retirement plans are there in women's clothing stores?
31 plans with 100 or more participants filed Form 5500 for plan year 2024, out of 94 pension plans on the full form. Smaller plans file Form 5500-SF and are counted separately where shown.
What is the typical 401(k) balance in women's clothing stores?
The median defined contribution plan reported $20,195 in net assets per participant (middle half of plans: $12,692 to $30,564); nationally it was $53,031. This is a plan-level average that includes former employees, not a typical person's balance.
What do employers contribute in women's clothing stores?
The median defined contribution plan received $789 in employer contributions per active participant, against $2,174 nationally. Plans with no employer contribution are included at zero.
What are average 401(k) fees in women's clothing stores?
Among defined contribution plans that report any Schedule C compensation, the median was $47.08 per participant and 0.24% of net assets (nationally $123 and 0.26%). Schedule C leaves out fund expense ratios and fees the employer pays, so it understates total cost.
Where does this come from?
Form 5500 annual reports in the EBSA research files, with filings received through 24 Aug 2026. Medians are computed by this site across plans with 100 or more participants.
Provenance
Source: U.S. Department of Labor, Employee Benefits Security Administration, Form 5500 research files, public domain, with filings received through 24 Aug 2026. Totals count every pension plan on the full form; medians and the plan list cover plans with 100 or more participants. See the methodology.