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Original filing (PDF)20250724062251NAL0010599490001
THE HOME DEPOT, INC.
Form 5500
FILING_RECEIVED
THE HOME DEPOT FUTUREBUILDER
401(k) retirement plan
Signals · 2
100% in single holding8 service providers
Active participants
391,522
Accounts w/ balance
221,237
Plan assets (EOY)
$14.1B
Net assets (EOY)
$14.1B
How this plan invests
This plan
1 pooled trust
Schedule D
2 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
82
/ 100
Grade B
Above-average plan
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
100
Concentration risk
75
Total plan cost
65
Vendor stack
88
Participation health
80
Knocking points off
- Top holding "Plan's interest in Master Trust" is 100% of plan.
- 14 bps in Schedule C fees — 183% above peer band of 5 bps.
- Highly fragmented vendor stack (8 disclosed providers, 6 categories).
- 57% balance-to-active ratio — below typical for a healthy 401(k).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for THE HOME DEPOT, INC..
Plan sponsor
Name
THE HOME DEPOT, INC.
EIN
95-3261426
Address
2455 PACES FERRY ROAD, SE · STE C-18 · ATLANTA, GA · 30339
Phone
(770) 384-5328
Industry
Retail Tradesee all
Plan administrator
Name
ADMINISTRATIVE COMMITTEE OF THE HOME DEPOT FUTUREBUILDER
EIN
95-3261426
City
ATLANTA, GA
Phone
(770) 384-5328
Plan characteristics
Plan number
001
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-07-24
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2O · ESOP (non-leveraged)
2R · Participant-directed brokerage (SDBA)
2T · Default investment account (QDIA)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
KPMG LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
8 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ALIGHT SOLUTIONS LLC | 82-1061233 | — | RECORDKEEPER | $9.1M | — |
Advisor / Consultant
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ALIGHT FINANCIAL ADVISORS, LLC | 82-1061233 | — | PART INVESTMENT ADVISORY | $8.2M | — |
| SMARTPATH, INC. | 37-1851490 | — | INVESTMENT ADVISORY | $215K | — |
Broker
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CHARLES SCHWAB & CO., INC. | 94-1737782 | — | BROKERAGE SERVICES | $0 | — |
Trustee
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| THE NORTHERN TRUST COMPANY | 36-1561860 | — | TRUSTEE | $1.3M | — |
Legal counsel
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| SMITH, GAMBRELL & RUSSELL LLP | 58-0967450 | — | LEGAL | $138K | — |
Other
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| SEPIRE LLC | 30-1111822 | — | PRINT SERVICES | $647K | — |
| AON INVESTMENTS USA, INC. | 36-3109431 | — | CONSULTING | $375K | — |
Investments
2 direct securities · 1 pooled fund· $27.9B(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.
Uncategorized
$14.0B
2 holdings
Master Trust
$13.9B
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Plan's interest in Master Trust | — | — | — | $14.0B | 98.6% | |
| THE HOME DEPOT FUTUREBUILDER TRUST THE HOME DEPOT, INC. · EIN 58-6245558 / PN 001 | Master Trust | — | — | $13.9B | 98.4% | |
| Notes receivable from participants | — | — | — | $25.0M | 0.2% |