Williams-Sonoma, Inc. 401(k): Charles Schwab, match 3% max
Williams-Sonoma, Inc. 401(k) Plan · WSM · CIK 719955
Charles Schwab 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%
Williams-Sonoma, Inc. matches 50% of the first 6% of pay.
From the Form 11-K filed June 26, 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: 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
What Williams-Sonoma puts in, and what the plan costs
What Williams-Sonoma put into the plan, per active participant
$573
Williams-Sonoma, Inc. put $573 into this plan for each of its 18,337 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.
Williams-Sonoma put in less per active participant than 57% of plans with 5,000+ participants in retail. The middle plan in that group of 196 reported $700. Retail comes from business code 453990, which Williams-Sonoma 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 Williams-Sonoma 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 942203880, plan 001 · DOL EFAST2 ↗
The $573 above is the Form 5500 figure for plan year 2024, and it counts every employer dollar on one line. Williams-Sonoma, Inc. also files a Form 11-K, which states the match formula for plan year 2025: the card below reads $1,485 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 Williams-Sonoma puts in
$1,485
a year, at a $49,500 salary.
The match paragraph, word for word
“The Company’s matching contribution is equal to 50% of each participant’s eligible salary deferral contribution each pay period, taking into account only those contributions that do not exceed 6% of the participant’s eligible pay. Matching contributions are earned on a semi-annual basis for those associates that are employed with the Company on June 30th or December 31st of the year in which the eligible deferrals are made. Participants who are employed on December 31st of the year may receive a matching contribution true-up. The matching contribution true-up is equal to the difference between the matching contribution the participant would have received if the matching contribution had been calculated on a plan year basis and the matching contribution the participant actually received during the plan year. Full-time associates must complete one year of service, and in addition to the one-year service requirement, part-time, casual and seasonal associates must complete 1,000 hours of service during their first year or any calendar year thereafter, prior to receiving company matching contributions. The Company does not match participants’ rollover and catch-up contributions. The matching contributions are subject to the vesting provisions of the Plan document as described below and are calculated based on eligible associate contributions beginning the first day of each calendar quarter (January 1st, April 1st, July 1st, and October 1st) on or after the associate's match eligibility date.”
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
85.71 out of 100
How fast the employer’s money becomes yours. Higher than 47% 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%, 100%, 100%, 100%, 100%, 100%, 100%. The score is the average of those 7 readings.
Vesting, word for word
“Vesting – Participants are immediately 100% vested in their elective deferral contributions, rollover contributions, catch-up contributions and any earnings attributable thereto. All matching contributions and any earnings attributable thereto become vested after one year of service. In addition, Company matching contributions become 100% vested upon a participant’s death, attainment of age 65 or total and permanent disability, in each case while still employed with the Company.”
A worker hired today collects no match for 1 year. This is a filed term, and it does not move the score above.
Eligibility, word for word
“Full-time associates must complete one year of service, and in addition to the one-year service requirement, part-time, casual and seasonal associates must complete 1,000 hours of service during their first year or any calendar year thereafter, prior to receiving company matching 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’s matching contribution is equal to 50% of each participant’s eligible salary deferral contribution each pay period, taking into account only those contributions that do not exceed 6% of the participant’s eligible pay. Matching contributions are earned on a semi-annual basis for those associates that are employed with the Company on June 30th or December 31st of the year in which the eligible deferrals are made. Participants who are employed on December 31st of the year may receive a matching contribution true-up. The matching contribution true-up is equal to the difference between the matching contribution the participant would have received if the matching contribution had been calculated on a plan year basis and the matching contribution the participant actually received during the plan year. Full-time associates must complete one year of service, and in addition to the one-year service requirement, part-time, casual and seasonal associates must complete 1,000 hours of service during their first year or any calendar year thereafter, prior to receiving company matching contributions. The Company does not match participants’ rollover and catch-up contributions. The matching contributions are subject to the vesting provisions of the Plan document as described below and are calculated based on eligible associate contributions beginning the first day of each calendar quarter (January 1st, April 1st, July 1st, and October 1st) on or after the associate's match eligibility date.”
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
20th percentile
$25.81 per participant in plan-paid administrative cost, cheaper than 80% of plans with 5,000+ participants.
What is Williams-Sonoma's 401(k) match formula?
Williams-Sonoma's 401(k) employer match tops out at 3% 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 | 50% of the first 6% of pay |
|---|---|
| Maximum employer match | 3% of compensation |
| True-upA year-end recalculation that repays match lost to uneven contributions. | Yes, annual true-up |
| Conditions | Matching contributions are earned on a semi-annual basis for those associates that are employed with the Company on June 30th or December 31st of the year in which the eligible deferrals are made. Participants who are employed on December 31st of the year may receive a matching contribution true-up. |
| Other employer contribution | Effective January 1, 2025, the Plan was amended to allow for discretionary profit-sharing contributions by the Company to eligible participants, as determined under the terms of the Plan. Any such contributions are fully vested. No such profit-sharing contributions were made to the Plan for the year ended December 31, 2025. |
At a $90,000 salary, contributing 6% ($5,400) earns the full employer match of $2,700 for the year.
What the filing says, word for word
“The Company’s matching contribution is equal to 50% of each participant’s eligible salary deferral contribution each pay period, taking into account only those contributions that do not exceed 6% of the participant’s eligible pay. Matching contributions are earned on a semi-annual basis for those associates that are employed with the Company on June 30th or December 31st of the year in which the eligible deferrals are made. Participants who are employed on December 31st of the year may receive a matching contribution true-up. The matching contribution true-up is equal to the difference between the matching contribution the participant would have received if the matching contribution had been calculated on a plan year basis and the matching contribution the participant actually received during the plan year. Full-time associates must complete one year of service, and in addition to the one-year service requirement, part-time, casual and seasonal associates must complete 1,000 hours of service during their first year or any calendar year thereafter, prior to receiving company matching contributions. The Company does not match participants’ rollover and catch-up contributions. The matching contributions are subject to the vesting provisions of the Plan document as described below and are calculated based on eligible associate contributions beginning the first day of each calendar quarter (January 1st, April 1st, July 1st, and October 1st) on or after the associate's match eligibility date.”
Source: Form 11-K filed June 26, 2026, SEC EDGAR, corroborated by the filing's inline-XBRL facts · SEC ↗
What is Williams-Sonoma's 401(k) vesting schedule?
Williams-Sonoma vests the employer match on a cliff schedule: nothing is yours until one year of service, then 100% at once. Leave a day early and the employer money goes back to the plan, the edge a one-year cliff creates.
| Employer match vesting | Cliff: 100% vested after 1 years of service |
|---|---|
| Your own contributions | Immediate: always 100% yours |
| Accelerated vesting | Company matching contributions become 100% vested upon a participant's death, attainment of age 65 or total and permanent disability, in each case while still employed with the Company. |
| Other employer contributions | Any such contributions are fully vested. |
Vesting, word for word
“Vesting – Participants are immediately 100% vested in their elective deferral contributions, rollover contributions, catch-up contributions and any earnings attributable thereto. All matching contributions and any earnings attributable thereto become vested after one year of service. In addition, Company matching contributions become 100% vested upon a participant’s death, attainment of age 65 or total and permanent disability, in each case while still employed with the Company.”
Source: Form 11-K filed June 26, 2026, SEC EDGAR · SEC ↗
Who can join Williams-Sonoma's 401(k), and is enrollment automatic?
Williams-Sonoma's filing does not mention automatic enrollment, which is not the same as the plan having none.
| Plan entry | Associates who are at least 21 years of age may participate as soon as administratively practicable (approximately 30 days) after their date of hire. |
|---|---|
| Match eligibility | Full-time associates must complete one year of service, and in addition to the one-year service requirement, part-time, casual and seasonal associates must complete 1,000 hours of service during their first year or any calendar year thereafter, prior to receiving company matching contributions. |
| Automatic enrollment | Not mentioned in the filing (not proof of absence) |
Eligibility, word for word
“Full-time associates must complete one year of service, and in addition to the one-year service requirement, part-time, casual and seasonal associates must complete 1,000 hours of service during their first year or any calendar year thereafter, prior to receiving company matching contributions.”
Source: Form 11-K filed June 26, 2026, SEC EDGAR · SEC ↗
Who holds your account
Schedule C of the Form 5500 filed for plan year 2024 reports Charles Schwab, filed as “SCHWAB RETIREMENT PLAN SERVICES,INC”. 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.
769 plans on file name Charles Schwab as their recordkeeper. Of those, the 769 with a computable fee have a median plan-paid cost of $127.09 per participant.
Participants log in at Schwab Workplace ↗. 401(k) Monitor is not affiliated with Charles Schwab or with any other recordkeeper, and takes nothing for this link. It is here because that is where the account is.
| Recordkeeper | Charles Schwab |
|---|---|
| Recordkeeper EIN | 341479833 |
What does the Williams-Sonoma plan report on Form 5500?
The Williams-Sonoma plan reported $797.6M in assets and 22,994 participants for plan year 2024.
| Total plan assets | $797,621,827 |
|---|---|
| Participants | 22,994 |
| Plan-paid admin cost per participant | $25.81 |
How that cost compares
This plan pays $25.81 per participant. The median across plans in retail is $93.99, from the 2,177 of 2,305 whose Form 5500 yields a per-participant cost.
Williams-Sonoma, Inc. 401(k) Plan on its Form 5500 filing: fees, providers and financials
How does Williams-Sonoma's 401(k) match compare?
Williams-Sonoma, Inc.'s maximum 401(k) match of 3% 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 retail, two report the same recordkeeper and one vests on the same schedule.
Maximum match 3% of pay. Also in retail.
Maximum match 3.5% of pay. Also in retail.
Maximum match 1.5% of pay. Also in retail.
Maximum match 2% of pay. Same recordkeeper, Charles Schwab.
Maximum match 4% of pay. Same recordkeeper, Charles Schwab.
Maximum match 5% of pay. Same 1-year cliff as Williams-Sonoma.
Compare Williams-Sonoma, Inc. with any company, side by side
What can you do next?
- Read the Form 11-K on SEC EDGAR ↗
Form 11-K filed June 26, 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 Williams-Sonoma, Inc.'s 401(k) match?
Williams-Sonoma, Inc. matches 50% of employee contributions up to 6% of eligible pay (plan year ended December 31, 2025).
When does the Williams-Sonoma, Inc. 401(k) match vest?
Cliff: 100% vested after 1 years of service.
Does Williams-Sonoma, Inc.'s 401(k) plan have automatic enrollment?
Not mentioned in the filing (not proof of absence).
Who is the recordkeeper for Williams-Sonoma, Inc.'s 401(k)?
Charles Schwab is named as the recordkeeper on the Form 5500 filed for Williams-Sonoma, Inc. 401(k) 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 Williams-Sonoma, Inc. 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 | Williams-Sonoma, Inc. |
| SEC CIK | 719955 |
| Accession number | 0000719955-26-000182 |
| Plan | Williams-Sonoma, Inc. 401(k) Plan |
| Period of report | December 31, 2025 |
| Filed | June 26, 2026 |
401(k) Monitor is not affiliated with Williams-Sonoma, Inc., 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, “Williams-Sonoma, Inc. 401(k) plan facts”, from SEC Form 11-K accession 0000719955-26-000182, plan year ended December 31, 2025.
