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Original filing (PDF)20250827145936NAL0009505201001
ROSS STORES, INC.
Form 5500
FILING_RECEIVED
ROSS STORES, INC. 401(K) SAVINGS PLAN
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
56,638
Accounts w/ balance
15,631
Plan assets (EOY)
$1.0B
Net assets (EOY)
$1.0B
How this plan invests
This plan
15 pooled trusts
Schedule D
29 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
88
/ 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
100
Total plan cost
80
Vendor stack
80
Participation health
65
Knocking points off
- 7 bps in Schedule C fees — modestly above peer band of 5 bps.
- No recordkeeper disclosed on Schedule C.
- Only 28% as many balances as active participants — suggests many active employees aren't deferring.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for ROSS STORES, INC..
Plan sponsor
Name
ROSS STORES, INC.
EIN
94-1390387
Address
5130 HACIENDA DRIVE · DUBLIN, CA · 94568
Phone
(925) 965-4400
Industry
Retail Tradesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
001
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-08-27
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
3F · Sponsor used leased employees
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
DELOITTE & TOUCHE LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
1 rowsTPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PRINCIPAL LIFE INSURANCE COMPANY | 42-0127290 | — | CONTRACT ADMINISTRATOR | $659K | — |
Investments
16 direct securities · 15 pooled funds· $1.1B(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
$593.8M
15 holdings
Uncategorized
$554.1M
16 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Fidelity 500 Index Fund | — | — | — | $148.6M | 14.7% | |
| GALLIARD STABLE RETURN PI SEI TRUST COMPANY · EIN 82-6652363 / PN 001 | Common Collective Trust | — | — | $93.4M | 9.3% | |
| Putnam Large Cap Value CIT Class IA | — | — | — | $86.9M | 8.6% | |
| GRTGRAY T.ROWE LRGCAP GRWTH S GREAT GRAY TRUST COMPANY · EIN 38-7289848 / PN 001 | Common Collective Trust | — | — | $86.9M | 8.6% | |
| VGD TRGT RTMT 2035 TRUST II VANGUARD GROUP · EIN 90-6083976 / PN 001 | Common Collective Trust | — | — | $62.4M | 6.2% | |
| VGD TRGT RTMT 2040 TRUST II VANGUARD GROUP · EIN 90-6083974 / PN 001 | Common Collective Trust | — | — | $52.7M | 5.2% | |
| VGD TRGT RTMT 2045 TRUST II VANGUARD GROUP · EIN 90-6083972 / PN 001 | Common Collective Trust | — | — | $52.6M | 5.2% | |
| T. Rowe Price Large Cap Growth CIT | — | — | — | $51.1M | 5.1% | |
| PUTNAM LARGE CP VALUE TRUST IA PUTNAM FIDUCIARY TRUST COMPANY · EIN 82-3639536 / PN 275 | Common Collective Trust | — | — | $51.1M | 5.1% | |
| VGD TRGT RTMT 2050 TRUST II VANGUARD GROUP · EIN 90-6083970 / PN 001 | Common Collective Trust | — | — | $50.8M | 5.0% | |
| VGD TRGT RTMT 2030 TRUST II VANGUARD GROUP · EIN 90-6083978 / PN 001 | Common Collective Trust | — | — | $42.6M | 4.2% | |
| Baron Growth Fund | — | — | — | $39.3M | 3.9% | |
| VGD TRGT RTMT 2055 TRUST II VANGUARD GROUP · EIN 27-6715091 / PN 001 | Common Collective Trust | — | — | $35.6M | 3.5% | |
| Fidelity Extended Market Index Fund | — | — | — | $33.1M | 3.3% | |
| VGD TRGT RTMT 2025 TRUST II VANGUARD GROUP · EIN 90-6083980 / PN 001 | Common Collective Trust | — | — | $29.5M | 2.9% | |
| DFA US Small Cap Portfolio | — | — | — | $25.1M | 2.5% | |
| EuroPacific Growth Fund | — | — | — | $23.0M | 2.3% | |
| Fidelity US Bond Index Fund | — | — | — | $22.8M | 2.3% | |
| JPMorgan Mid Cap Value Fund | — | — | — | $22.7M | 2.3% | |
| Pimco Total Return Fund | — | — | — | $22.3M | 2.2% | |
| AMG TimesSquare Mid Cap Growth Fund | — | — | — | $20.2M | 2.0% | |
| VGD TRGT RTMT 2060 TRUST II VANGUARD GROUP · EIN 45-3799419 / PN 001 | Common Collective Trust | — | — | $18.4M | 1.8% | |
| PARTICIPANT LOANS — bearing interest at rates ranging from 4.25% to 9.50%, maturing 2025–2034 | — | — | — | $15.5M | 1.5% | |
| Fidelity Diversified International K6 Fund | — | — | — | $13.7M | 1.4% | |
| Fidelity Total International Index Fund | — | — | — | $11.4M | 1.1% | |
| BlackRock Global Alloc Fund Inc | — | — | — | $10.7M | 1.1% | |
| American Century Small Cap Value Fund | — | — | — | $7.8M | 0.8% | |
| VGD TRGT RTMT 2020 TRUST II VANGUARD GROUP · EIN 90-6083982 / PN 001 | Common Collective Trust | — | — | $7.6M | 0.7% | |
| VGD TRGT RTMT 2065 TRUST II VANGUARD FIDUCIARY TRUST COMPANY · EIN 82-6194314 / PN 001 | Common Collective Trust | — | — | $5.6M | 0.6% | |
| VGD TRGT RTMT INC TRUST II VANGUARD GROUP · EIN 90-6083967 / PN 001 | Common Collective Trust | — | — | $4.2M | 0.4% | |
| VGD TRGT RTMT 2070 TRUST II VANGUARD FIDUCIARY TRUST COMPANY · EIN 87-7039453 / PN 001 | Common Collective Trust | — | — | $482K | <0.1% |