PVH Corp. /DE/ 401(k): Empower, match 3.5% max
PVH Associates Investment Plan · PVH · CIK 78239
Empower is the recordkeeper named on the Form 5500 filed for this plan, the company that keeps the account records. Where to log in, and what the filing says.
Maximum employer match, as a share of pay
3.5%
PVH Corp. /DE/ matches 100% (dollar-for-dollar) of the first 1% of pay, then 50% of the next 5% of pay, for a maximum employer match of 3.5% of pay.
PVH /DE/'s Form 11-K filings for plan year 2025 describe two separate 401(k) plans. The terms on this page are read from the PVH Associates Investment Plan. Both state the same maximum match.
From the Form 11-K filed June 24, 2026 ↗, covering the plan year ended December 31, 2025. Page data last updated July 28, 2026, when the Form 5500 bulk data was last refreshed. Why filings lag
On this page: which plan you are in · what the employer actually paid in · the formula, word for word · when the money becomes yours · who can join · who holds your account · what the plan reports to the DOL · how it compares · what to do next
Which PVH /DE/ 401(k) plan are you in?
PVH /DE/'s Form 11-K filings for this plan year describe two plans and all of them state the same maximum employer match. The group each plan covers still differs, and so can the vesting and enrollment terms further down this page, which are read from the PVH Associates Investment Plan.
PVH Associates Investment Plan (the plan this page answers for)
The filing states no limit on who this plan covers · Form 11-K ↗
3.5% of pay, at most
PVH Associates Investment Plan For Residents Of The Commonwealth Of Puerto Rico
Employees in Puerto Rico · Form 11-K ↗
3.5% of pay, at most
One row per plan, taken from the two Form 11-K reports this site has read for the plan year ended December 31, 2025. Each maximum comes from that plan’s own filing and describes only that plan.
What PVH /DE/ puts in, and what the plan costs
What PVH /DE/ put into the plan, per active participant
$3,616
PVH Corp. /DE/ put $3,616 into this plan for each of its 5,435 active participants in plan year 2024. This is the whole employer side of the plan: matching money, profit sharing, non-elective and safe-harbor contributions, and reallocated forfeitures. The Form 5500 does not separate them, so this is what the employer put in and not the match.
PVH /DE/ put in more per active participant than 65% of plans with 5,000+ participants in wholesale trade. The middle plan in that group of 100 reported $2,549. Wholesale trade comes from business code 424300, which PVH /DE/ entered on its own Form 5500. Sponsors pick that code themselves, so a code that does not describe what the employer does ranks the plan against the wrong companies.
What this figure cannot separate: how much PVH /DE/ pays, and how much it puts in
This is dollars, not a rate. A Form 5500 carries no payroll, so the figure reflects both how much the employer puts in and how much the employer pays: two plans running the same formula report different amounts when one pays better. Crossing the peer group with industry holds most of that difference still, and none of it disappears.
This is one plan year, not an average. A true-up, a plan merger or a one-off contribution moves a single year on its own.
Source: DOL Form 5500 for the plan year ended December 31, 2024, EIN 131166910, plan 007 · DOL EFAST2 ↗
The $3,616 above is the Form 5500 figure for plan year 2024, and it counts every employer dollar on one line. PVH Corp. /DE/ also files a Form 11-K, which states the match formula for plan year 2025: the card below reads $1,733 a year at a $49,500 salary, and the same filing states employer contributions made outside the match. That second figure is what the formula pays one worker on that salary, and not an amount either filing reports. The two figures cover different plan years and measure different things, so neither one is the other one corrected.
What PVH /DE/ puts in
$1,733
a year, at a $49,500 salary.
The match paragraph, word for word
“The Company matches 100% of the first 1% of eligible compensation that a participant contributes to the Plan, plus 50% of the next 5% of eligible compensation contributed by the participant.”
What you contribute to collect all of it
Contribute at least 6% of your pay to collect the full match.
That is $2,970 a year at a $49,500 salary, and it scales with your own.
Vesting score
71.43 out of 100
How fast the employer’s money becomes yours. Higher than 32% of the 369 schedules we have scored.
It measures vesting speed and nothing else. It says nothing about the size of the match, what the plan charges, or the funds inside it.
Share of the employer's money that is the worker's at hire and at each of the first 6 anniversaries: 0%, 0%, 100%, 100%, 100%, 100%, 100%. The score is the average of those 7 readings.
Vesting, word for word
“Amounts attributable to participant contributions and the allocated earnings thereon are immediately vested. All participants become 100% vested in Company contributions and the allocated earnings thereon after two years of service. Upon death, permanent disability, or reaching age 65, participants or their beneficiaries become 100% vested in Company contributions.”
The plan tops the match up after year end, so contributing unevenly through the year does not cost the worker part of it.
The same match paragraph, word for word
“The Company matches 100% of the first 1% of eligible compensation that a participant contributes to the Plan, plus 50% of the next 5% of eligible compensation contributed by the participant.”
The wait before the match starts and the year-end true-up appear above when the filing states them. Neither is part of the score, and a filing that is silent on one of them is not a plan without it.
What the plan costs, against plans of its size
35th percentile
$40.51 per participant in plan-paid administrative cost, cheaper than 65% of plans with 5,000+ participants.
What is PVH /DE/'s 401(k) match formula?
PVH /DE/'s 401(k) employer match tops out at 3.5% of pay. The plan pays an annual true-up. What an annual true-up repays is the arithmetic behind that line: it matters most in a year when contributions land unevenly.
| Match formula | 100% (dollar-for-dollar) of the first 1% of pay |
|---|---|
| then | 50% of the next 5% of pay |
| Maximum employer match | 3.5% of compensation |
| True-upA year-end recalculation that repays match lost to uneven contributions. | Yes, annual true-up |
| Paid in company stock | No, paid in cash or per your investment elections |
| Other employer contribution | The Company makes an automatic employer contribution of 3.5% of eligible compensation on behalf of each eligible participant who is hired or rehired by the Company on or after January 1, 2022. The automatic employer contribution is intended as a substitute for pension accruals under the Company's consolidated pension plan, which was closed to employees hired or rehired after December 31, 2021. Effective July 1, 2024, all eligible plan participants receive the 3.5% automatic employer contribution, due to the freeze of pension plan accruals effective June 30, 2024. |
At a $90,000 salary, contributing 6% ($5,400) earns the full employer match of $3,150 for the year.
What the filing says, word for word
“The Company matches 100% of the first 1% of eligible compensation that a participant contributes to the Plan, plus 50% of the next 5% of eligible compensation contributed by the participant.”
Source: Form 11-K filed June 24, 2026, SEC EDGAR, corroborated by the filing's inline-XBRL facts · SEC ↗
What is PVH /DE/'s 401(k) vesting schedule?
PVH /DE/ vests the employer match on a cliff schedule: nothing is yours until two years of service, then 100% at once. Leave a day early and the employer money goes back to the plan, the edge a two-year cliff creates.
| Employer match vesting | Cliff: 100% vested after 2 years of service |
|---|---|
| Your own contributions | Immediate: always 100% yours |
| Accelerated vesting | Upon death, permanent disability, or reaching age 65, participants or their beneficiaries become 100% vested in Company contributions. |
Vesting, word for word
“Amounts attributable to participant contributions and the allocated earnings thereon are immediately vested. All participants become 100% vested in Company contributions and the allocated earnings thereon after two years of service. Upon death, permanent disability, or reaching age 65, participants or their beneficiaries become 100% vested in Company contributions.”
Source: Form 11-K filed June 24, 2026, SEC EDGAR · SEC ↗
Who can join PVH /DE/'s 401(k), and is enrollment automatic?
PVH /DE/ enrolls new hires automatically at 3% of pay, rising 1% a year to 10% of pay.
| Plan entry | The Plan is a defined contribution plan covering salaried or hourly clerical, warehouse, distribution, and United States retail field employees of PVH Corp. (the "Company") who are at least age 21 or older, have completed the earlier of at least three consecutive months of service and are regularly scheduled to work at least 20 hours per week or have completed at least 500 hours of service during the first 12 months of employment or in any subsequent calendar year. However, a part-time associate is not eligible to receive Company contributions until they complete 1,000 hours of service in a calendar year. |
|---|---|
| Match eligibility | a part-time associate is not eligible to receive Company contributions until they complete 1,000 hours of service in a calendar year |
| Excluded groups | Residents of Puerto Rico, non-resident aliens and associates whose principal terms and conditions of employment are subject to the provisions of a collective bargaining agreement which does not provide for active participation in the Plan are excluded. |
| Automatic enrollment | Yes: default deferral 3% of pay; auto-escalation +1%/yr to 10%; default investment: the qualified default investment alternative designated by the Plan administrator |
Eligibility, word for word
“The Plan is a defined contribution plan covering salaried or hourly clerical, warehouse, distribution, and United States retail field employees of PVH Corp. (the “Company”) who are at least age 21 or older, have completed the earlier of at least three consecutive months of service and are regularly scheduled to work at least 20 hours per week or have completed at least 500 hours of service during the first 12 months of employment or in any subsequent calendar year. However, a part-time associate is not eligible to receive Company contributions until they complete 1,000 hours of service in a calendar year.”
Automatic enrollment, word for word
“Participants are automatically enrolled when they become eligible to participate in the Plan with a pre-tax base pay contribution rate of 3% unless they affirmatively elect not to participate in the Plan or elect to contribute at a different rate. Contributions for an automatically enrolled participant are invested in the qualified default investment alternative designated by the Plan administrator, until changed by the participant. In addition, each participant who is automatically enrolled in the Plan will be enrolled in the annual automatic increase program at a rate of 1% and capped at 10%.”
Source: Form 11-K filed June 24, 2026, SEC EDGAR · SEC ↗
Who holds your account
Schedule C of the Form 5500 filed for plan year 2024 reports Empower, filed as “EMPOWER ANNUITY INSURANCE COMPANY”. That is the company paid to keep the account records: what is in an account, what went into it, and usually the site a participant signs in to. The trustee that holds the plan’s assets can be a different company, and this filing does not name it.
7,876 plans on file name Empower as their recordkeeper. Of those, the 7,813 with a computable fee have a median plan-paid cost of $165.72 per participant.
Participants log in at Empower ↗. 401(k) Monitor is not affiliated with Empower or with any other recordkeeper, and takes nothing for this link. It is here because that is where the account is.
| Recordkeeper | Empower |
|---|---|
| Recordkeeper EIN | 840467907 |
What does the PVH /DE/ plan report on Form 5500?
The PVH /DE/ plan reported $827.6M in assets and 12,055 participants for plan year 2024.
| Total plan assets | $827,604,823 |
|---|---|
| Participants | 12,055 |
| Plan-paid admin cost per participant | $40.51 |
How that cost compares
This plan pays $40.51 per participant. The median across plans in wholesale trade is $149.72, from the 3,304 of 3,490 whose Form 5500 yields a per-participant cost.
Pvh Associates Investment Plan on its Form 5500 filing: fees, providers and financials
How does PVH /DE/'s 401(k) match compare?
PVH Corp. /DE/'s maximum 401(k) match of 3.5% of pay compares with a median of 4% across the 269 companies in our data with a computable formula.
Employers worth reading next
Of the six employers below, three file in wholesale trade, two report the same recordkeeper and one vests on the same schedule.
Maximum match 3% of pay. Also in wholesale trade.
Maximum match 4% of pay. Also in wholesale trade.
Maximum match 3% of pay. Also in wholesale trade.
Maximum match 3.5% of pay. Same recordkeeper, Empower.
Maximum match 3.6% of pay. Same recordkeeper, Empower.
Maximum match 6% of pay. Same 2-year cliff as PVH /DE/.
What do PVH /DE/'s other 401(k) plans say?
PVH Associates Investment Plan For Residents Of The Commonwealth Of Puerto Rico
Employees in Puerto Rico
PVH Corp. /DE/ matches 100% (dollar-for-dollar) of the first 1% of pay, then 50% of the next 5% of pay, for a maximum employer match of 3.5% of compensation (plan year ended December 31, 2025).
- Employer match vesting
- Cliff: 100% vested after 2 years of service
- Automatic enrollment
- Yes: default deferral 3% of pay; auto-escalation +1%/yr to 10%; default investment: the qualified default investment alternative designated by the Plan administrator
What the filing says, word for word
“The Company matches 100% of the first 1% of eligible compensation that a participant contributes to the Plan, plus 50% of the next 5% of eligible compensation contributed by the participant.”
What can you do next?
- Read the Form 11-K on SEC EDGAR ↗
Form 11-K filed June 24, 2026, SEC EDGAR. Every match fact on this page comes from it.
- Changed jobs? Find an old 401(k) ↗
The Department of Labor's Retirement Savings Lost & Found, a free government database.
- This year's IRS contribution limits ↗
The official deferral and catch-up limits every formula operates under.
Questions this filing answers
What is PVH Corp. /DE/'s 401(k) match?
PVH Corp. /DE/ matches 100% (dollar-for-dollar) of the first 1% of pay, then 50% of the next 5% of pay, for a maximum employer match of 3.5% of compensation (plan year ended December 31, 2025).
When does the PVH Corp. /DE/ 401(k) match vest?
Cliff: 100% vested after 2 years of service.
Does PVH Corp. /DE/'s 401(k) plan have automatic enrollment?
Yes: default deferral 3% of pay; auto-escalation +1%/yr to 10%; default investment: the qualified default investment alternative designated by the Plan administrator.
Who is the recordkeeper for PVH Corp. /DE/'s 401(k)?
Empower is named as the recordkeeper on the Form 5500 filed for Pvh Associates Investment Plan for plan year 2024. That is the company paid to keep the account records: what is in an account, what went into it, and usually the site a participant signs in to.
Source
The match formula, the vesting schedule and the enrollment rules on this page were read from one document: the Form 11-K annual report that PVH Corp. /DE/ filed with the US Securities and Exchange Commission for the plan year ended December 31, 2025. Each of those fields carries the filing sentence it was read from, expandable where the field appears. Nothing on this page was supplied by the employer to this site.
The plan assets, the participant counts, the plan-paid fees and the recordkeeper come from a different document, the plan’s DOL Form 5500 annual return, and the section that reports them links it. Comparisons with other employers are computed across the filings named in the section they appear in.
Read the filing on SEC EDGAR ↗
| Document | Form 11-K annual report |
|---|---|
| Filed with | US Securities and Exchange Commission (EDGAR) |
| Filed by | PVH Corp. /DE/ |
| SEC CIK | 78239 |
| Accession number | 0001213900-26-071601 |
| Plan | PVH Associates Investment Plan |
| Period of report | December 31, 2025 |
| Filed | June 24, 2026 |
401(k) Monitor is not affiliated with PVH Corp. /DE/, with the Securities and Exchange Commission or with this plan’s recordkeeper, and publishes this page without their involvement. It republishes a public filing and says where it came from.
Cite this page
401(k) Monitor, “PVH Corp. /DE/ 401(k) plan facts”, from SEC Form 11-K accession 0001213900-26-071601, plan year ended December 31, 2025.
