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Original filing (PDF)20250711181121NAL0006540737001
LOWE'S COMPANIES, INC.
Form 5500
FILING_RECEIVED
LOWES 401(K) PLAN
401(k) retirement plan
Signals · 3
40% in single holding40% employer stockNo recordkeeper disclosed
Active participants
263,650
Accounts w/ balance
140,573
Plan assets (EOY)
$8.6B
Net assets (EOY)
$8.6B
How this plan invests
This plan
25 pooled trusts
Schedule D
25 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
86
/ 100
Grade A
Top-tier plan health
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
100
Concentration risk
55
Total plan cost
100
Vendor stack
80
Participation health
80
Knocking points off
- Top holding "Lowe’s Companies, Inc. Common Stock" is 40% of plan.
- 40% of plan in employer / sponsor stock.
- No recordkeeper disclosed on Schedule C.
- 53% balance-to-active ratio — below typical for a healthy 401(k).
Helping the score
- Below-peer total fees (1 bps vs 5 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for LOWE'S COMPANIES, INC..
Plan sponsor
Name
LOWE'S COMPANIES, INC.
EIN
56-0578072
Address
1000 LOWES BLVD · MOORESVILLE, NC · 28117
Phone
(704) 758-1000
Industry
Retail Tradesee all
Plan administrator
Name
LOWES ADMINISTRATIVE COMMITTEE
EIN
56-0578072
City
MOORESVILLE, NC
Phone
(704) 758-1000
Plan characteristics
Plan number
003
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-07-11
Pension benefit codes
2E · Profit-sharing
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2T · Default investment account (QDIA)
2F · ERISA section 404(c)
2O · ESOP (non-leveraged)
Audit & trust (Schedule H)
Auditor
DELOITTE & TOUCHE LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsTPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PRINCIPAL LIFE INSURANCE COMPANY | 42-0127290 | — | CONTRACT ADMINISTRATOR | $1.1M | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| METROPOLITAN LIFE INSURANCE COMPANY | 13-5581829 | — | NONE | $116K | — |
Investments
4 direct securities · 25 pooled funds· $8.8B(100% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Click one to drill into its own Schedule of Assets — where the individual funds, shares, and CUSIPs live.
Common Collective Trust
$5.1B
25 holdings
Uncategorized
$3.7B
4 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Lowe’s Companies, Inc. Common Stock | — | — | — | $3.5B | 40.5% | |
| TARGET RTMT 2035 TRUST SELECT VANGUARD FIDUCIARY TRUST COMPANY · EIN 47-6941311 / PN 001 | Common Collective Trust | — | — | $667.0M | 7.8% | |
| TARGET RTMT 2045 TRUST SELECT VANGUARD FIDUCIARY TRUST COMPANY · EIN 47-6944355 / PN 001 | Common Collective Trust | — | — | $635.1M | 7.4% | |
| TARGET RTMT 2050 TRUST SELECT VANGUARD FIDUCIARY TRUST COMPANY · EIN 47-6944390 / PN 001 | Common Collective Trust | — | — | $627.2M | 7.3% | |
| TARGET RTMT 2030 TRUST SELECT VANGUARD FIDUCIARY TRUST COMPANY · EIN 47-6938065 / PN 001 | Common Collective Trust | — | — | $618.2M | 7.2% | |
| TARGET RTMT 2040 TRUST SELECT VANGUARD FIDUCIARY TRUST COMPANY · EIN 47-6941351 / PN 001 | Common Collective Trust | — | — | $602.4M | 7.0% | |
| TARGET RTMT 2025 TRUST SELECT VANGUARD FIDUCIARY TRUST COMPANY · EIN 47-6938034 / PN 001 | Common Collective Trust | — | — | $450.4M | 5.2% | |
| TARGET RTMT 2055 TRUST SELECT VANGUARD FIDUCIARY TRUST COMPANY · EIN 47-6948719 / PN 001 | Common Collective Trust | — | — | $313.2M | 3.6% | |
| TARGET RTMT 2060 TRUST SELECT VANGUARD FIDUCIARY TRUST COMPANY · EIN 47-6948754 / PN 001 | Common Collective Trust | — | — | $193.9M | 2.3% | |
| TARGET RTMT 2020 TRUST SELECT VANGUARD FIDUCIARY TRUST COMPANY · EIN 47-6935530 / PN 001 | Common Collective Trust | — | — | $186.1M | 2.2% | |
| State Street S&P 500 Index Securities Lending Series Fund Class II Collective Trust | — | — | — | $164.6M | 1.9% | |
| SSGA SP 500 IDX SEC LND SER II STATE STREET GLOBAL ADVISORS · EIN 04-0025081 / PN 078 | Common Collective Trust | — | — | $164.6M | 1.9% | |
| GALLIARD SHORT CORE FUND F GALLIARD CAPITAL MANAGEMENT, LLC · EIN 52-2252204 / PN 001 | Common Collective Trust | — | — | $114.8M | 1.3% | |
| TARGET RTMT INCOME TRUST SELECT VANGUARD FIDUCIARY TRUST COMPANY · EIN 47-6930815 / PN 001 | Common Collective Trust | — | — | $112.4M | 1.3% | |
| TARGET RTMT 2065 TRUST SELECT VANGUARD FIDUCIARY TRUST COMPANY · EIN 82-6200492 / PN 001 | Common Collective Trust | — | — | $108.5M | 1.3% | |
| GALLIARD INTERMEDIATE CORE FUND L GALLIARD CAPITAL MANAGEMENT, LLC · EIN 27-6635237 / PN 001 | Common Collective Trust | — | — | $90.3M | 1.1% | |
| GALLIARD INTERMEDIATE CORE FUND J GALLIARD CAPITAL MANAGEMENT, LLC · EIN 26-0232928 / PN 001 | Common Collective Trust | — | — | $34.6M | 0.4% | |
| GALLIARD INTERMEDIATE CORE FUND C GALLIARD CAPITAL MANAGEMENT, LLC · EIN 52-2250965 / PN 001 | Common Collective Trust | — | — | $33.8M | 0.4% | |
| State Street Russell Small/Mid Cap Index Fund Class II Collective Trust | — | — | — | $33.3M | 0.4% | |
| SSGA RUSS SM MD CP IDX CL II STATE STREET GLOBAL ADVISORS · EIN 04-0025081 / PN 091 | Common Collective Trust | — | — | $33.3M | 0.4% | |
| TARGET RTMT 2070 TRUST SELECT VANGUARD FIDUCIARY TRUST COMPANY · EIN 88-6098744 / PN 001 | Common Collective Trust | — | — | $31.6M | 0.4% | |
| GALLIARD INTERMEDIATE CORE FUND E GALLIARD CAPITAL MANAGEMENT, LLC · EIN 27-6724457 / PN 001 | Common Collective Trust | — | — | $29.9M | 0.3% | |
| SEI TST SHORT TERM IVST FUND II SEI TRUST COMPANY · EIN 92-2544088 / PN 001 | Common Collective Trust | — | — | $20.5M | 0.2% | |
| DODGE & COX INCOME X FUND DODGE & COX · EIN 25-6219106 / PN 047 | Common Collective Trust | — | — | $14.1M | 0.2% | |
| State Street Global All Cap Equity Ex-U.S. Index Securities Lending Series Fund Class II Collective Trust | — | — | — | $12.1M | 0.1% | |
| SSGA GI AC EQ EXUS IDX SL II STATE STREET GLOBAL ADVISORS · EIN 90-0337987 / PN 444 | Common Collective Trust | — | — | $12.1M | 0.1% | |
| STATE STREET US BD ID SL XIV STATE STREET GLOBAL ADVISORS · EIN 90-0337987 / PN 477 | Common Collective Trust | — | — | $9.9M | 0.1% | |
| WTC-CIF II INTL OPP S1 PORT WELLINGTON TRUST COMPANY, NA · EIN 04-6913417 / PN 159 | Common Collective Trust | — | — | $6.8M | <0.1% | |
| AON DAILY REAL ESTATE FUND RELIANCE TRUST COMPANY · EIN 37-6543784 / PN 047 | Common Collective Trust | — | — | $0 | <0.1% |
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