Retirement plan

THE HOME DEPOT FUTUREBUILDER

Name: THE HOME DEPOT, INC. - THE HOME DEPOT FUTUREBUILDER (2025) Form 5500
Creator: THE HOME DEPOT, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, THE HOME DEPOT FUTUREBUILDER, THE HOME DEPOT, INC.

THE HOME DEPOT, INC.EIN 95-3261426Plan #001PY 2025

2455 PACES FERRY ROAD, SE, STE C-18 - ATLANTA, GA 30339770-384-5328homedepot.comLinkedIn10001+ employeesretail

Prospect flagsLow participationLow employer contributionLow participant contributionCorrective distributions

Top hat statement on fileNQDC

Filed March 24, 1995

This is a legacy paper filing. Plan administrator and contact details are recorded in the original filing, which has not been digitised into structured fields.

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Total assets (EOY)

$15698.7M

+10.9% from 2024

Total participants

468,817

+6.7% from 2024

Average account balance

$70,043

+9.5% from 2024

Annual return

13.33%

-0.25 pp from 2024

Benchmarks

See 151 peers

Peer group

Industryany (size+type match)

Plan typeDefined contribution

Participants>=10,000

Cohort151 peers

Snapshot2025

Free accounts unlock saves, downloads, and 3-year history.

Analytics

Total assets (EOY)

Plan-year ending balance

$15.70B

Not enough data

1 years with asset history on file

Average account balance

Total assets / participants with a balance (line 6g)

$70K

Not enough data

1 years with per-participant data

Participants with account balance

Stacked by status: active / separated vested / retired or beneficiary. Total = line 6g.

224,128

Not enough data

1 years with headcount on file

Eligible Participants and Participation

Bars: eligible actives (line 6a). Line: derived rate = active employees with a balance / 6a.

41.7%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$1.03B

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$2K

Not enough data

1 years with per-participant contribution data

Asset flow

BOY + contributions + return - distributions = EOY

Year

Annual return

Diverging bars; negative years highlighted

+13.33%

Not enough data

1 years with return on file

Admin fee / account holder

Total admin expenses / participants with a balance (line 6g)

$92

Not enough data

1 years with admin cost on file

Asset composition

Cash / stocks / bonds / mutual funds / real estate / loans over time

Not enough data

1 years with F_SCH_H allocation on file

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Service providers

Top 8 by compensation

Provider	Service type	Compensation
ALIGHT SOLUTIONS LLC2 years Service code 15 · EIN 82-1061233	Recordkeeping	$10,433,605
ALIGHT SOLUTIONS LLC2 years Filed as: ALIGHT FINANCIAL ADVISORS, LLC Service code 26 · EIN 82-1061233	Advisory (Participants)	$8,493,498
NORTHERN TRUST COMPANY2 years Filed as: THE NORTHERN TRUST COMPANY Service code 21 · EIN 36-1561860	Bank Trustee	$711,578
AON CONSULTING2 years Filed as: AON INVESTMENTS USA, INC. Service code 16 · EIN 36-3109431	Consulting	$385,962
SMARTPATH, INC.2 years Service code 16 · EIN 37-1851490	Consulting	$183,375
SMITH, GAMBRELL & RUSSELL, LLP2 years Filed as: SMITH, GAMBRELL & RUSSELL LLP Service code 29 · EIN 58-0967450	Legal	$166,396
SEPIRE LLC2 years Service code 15 · EIN 30-1111822	Recordkeeping	$151,475
CHARLES SCHWAB & CO., INC.2 years Service code 33 · EIN 94-1737782	Other investment fees and expenses; F...	$0

Plan features & details

Pension benefit codes2E2F2G2J2K2O2R2T3H

Plan features

2E
Profit-sharing
Profit-sharing plan.
2F
ERISA section 404(c) plan
This plan or any part of it is intended to meet the conditions of 29 CFR 2550.404c-1 (shifting investment responsibility to participants).
2G
Total participant-directed account plan
Participants have the opportunity to direct the investment of all of the assets allocated to their individual accounts regardless of whether 29 CFR 2550.404c-1 is intended to be met.
2J
Code section 401(k) feature
Cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan under which employees may elect to defer part of their compensation or receive these amounts in cash.
2K
Code section 401(m) arrangement
Employee contributions are allocated to separate accounts under the plan or employer contributions are based in whole or in part on employee deferrals or contributions to the plan. Not applicable to 401(k) plans with only QNECs and/or QMACs or to 403(b)(1) 403(b)(7) or 408 arrangements.
2O
ESOP other than a leveraged ESOP
Employee stock ownership plan that is not leveraged.
2R
Participant-directed brokerage accounts
Participant-directed brokerage accounts provided as an investment option under the plan.
2T
Default investment account
Total or partial participant-directed account plan where plan uses a default investment account for participants who fail to direct assets in their account.
3H
Controlled group member
Plan sponsor(s) is (are) a member(s) of a controlled group (Code sections 414(b) (c) or (m)).

Opportunity flags

4 tripped

OpportunityLow participation
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
OpportunityLow participant contribution
Participant contribution per participant is in the bottom quintile of the peer cohort.
OpportunityLow employer contribution
Employer contribution per participant is in the bottom quintile of the peer cohort.
ComplianceCorrective distributions
Plan reported corrective distributions (failed ADP/ACP testing).

Expense breakdown

Schedule H Part II

Admin total

$20.5M

$49 / participant

Trustee / custodial$712K3.5%
Investment mgmt$335K1.6%
Legal$166K0.8%
Contract admin$19M94.0%
Other / not subdivided$15K0.1%

% of EOY assets

0.131%

all-in expense ratio

Categories reported

4 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

Auditor firm: KPMG LLP
Auditor EIN: 135565207
Audit fees: (not subdivided)
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$70,043

$166,271-57.9%

$100,712-30.5%

$166,271-57.9%

Participation rate

41.7%

79.1%-37.4pp

69.3%-27.6pp

79.1%-37.4pp

Annual return

13.33%

15.58%-2.2pp

33.27%-19.9pp

15.58%-2.2pp

Employer contribution / active EE

$672

$4,136-83.7%

$2,313-70.9%

$4,136-83.7%

Participant deferral / active EE

$1,780

$7,214-75.3%

$4,085-56.4%

$7,214-75.3%

Admin fee / account holder

$92

$445-79.4%

$9,256-99.0%

$445-79.4%

Provider

Service type

Compensation

ALIGHT SOLUTIONS LLC2 years

Service code 15 · EIN 82-1061233

Recordkeeping

$10,433,605

ALIGHT SOLUTIONS LLC2 years

Filed as: ALIGHT FINANCIAL ADVISORS, LLC

Service code 26 · EIN 82-1061233

Advisory (Participants)

$8,493,498

NORTHERN TRUST COMPANY2 years

Filed as: THE NORTHERN TRUST COMPANY

Service code 21 · EIN 36-1561860

Bank Trustee

$711,578

AON CONSULTING2 years

Filed as: AON INVESTMENTS USA, INC.

Service code 16 · EIN 36-3109431

Consulting

$385,962

SMARTPATH, INC.2 years

Service code 16 · EIN 37-1851490

Consulting

$183,375

SMITH, GAMBRELL & RUSSELL, LLP2 years

Filed as: SMITH, GAMBRELL & RUSSELL LLP

Service code 29 · EIN 58-0967450

Legal

$166,396

SEPIRE LLC2 years

Service code 15 · EIN 30-1111822

Recordkeeping

$151,475

CHARLES SCHWAB & CO., INC.2 years

Service code 33 · EIN 94-1737782

Other investment fees and expenses; F...

THE HOME DEPOT FUTUREBUILDER

Top hat statement on fileNQDC

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

THE HOME DEPOT FUTUREBUILDER

Top hat statement on fileNQDC

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

Benchmarks

Service providers

Opportunity flags

Expense breakdown

Audit opinion

Benchmarks

Service providers

Opportunity flags

Expense breakdown

Audit opinion