TJX 401(k)

TJX is a global retail chain that sells discounted apparel, footwear, cookware, and home furnishings across its network of over 4,900 stores in nine countries, including the United States. For TJX employees, the company's 401(k) plan offers an excellent opportunity for employees to save for retirement.

To be eligible for the TJX 401(k) plan, an employee must have completed one year of service and be at least age 21. The company also offers a company match at $0.75 for every dollar contributed, up to 5% of the employee's eligible compensation. Plan participants can manage their 401(k) retirement savings on the Fidelity NetBenefits platform.

TJX 401(k) provider

The TJX 401(k) plan, known as the TJX Companies, Inc. General Savings/Profit Sharing Plan, is with Fidelity. Previously, the TJX 401(k) plan was with Vanguard Group, but it has since moved to Fidelity Investments. Fidelity is one of the largest investment management companies in the United States, with more than $5.8 trillion in assets under management as of September 2024.

Fidelity provides TJX employees with a user-friendly platform where they can manage their retirement money effectively. Enrolled plan participants can access their 401(k) accounts on the Fidelity website to check their balances, adjust contributions, manage investment options, and request 401(k) loans.

TJX 401(k) login

To log into your TJX 401(k) plan, visit the Fidelity website or download their mobile app. You will be required to enter your username and password to access your retirement account. If you have forgotten your username or password, use the “forgot username or password” feature to create new credentials.

If you are a first-time user, you will be required to create an account on the Fidelity website by entering your personal information, including your name, date of birth, Social Security Number, etc. Once you have signed up for an account, you will be able to access your 401(k) account to adjust your contributions and track your investments.

TJX 401(k) match

TJX matches $0.75 for every dollar employees contribute to their 401(k) plan, up to 5% of employee's compensation. So, if you want to get the full match, you must contribute at least 5% of your pay, and you will get $0.75 for every dollar you put in. Employees are eligible to get the company match once they complete 1000 hours of service in their first year of work, or any calendar year thereafter.

TJX 401(k) customer service

If you need help with your TJX 401(k) plan, you can contact Fidelity Investments customer service representatives at 800-835-5095 anytime from Monday to Friday, 8.30 am to 12.00 am ET.

TJX 401(k) loan

TJX employees are eligible to take a 401(k) loan against their vested 401(k) balance. The plan allows participants to borrow the lesser of 50% of their vested balance, up to a maximum of $50,000.

The loan repayment period ranges from 1 to 5 years, and loan payments are made through payroll deductions. However, if you borrow from your 401(k) plan to buy your principal residence, you may be allowed a longer repayment period of up to 15 years.

TJX 401(k) after termination

If you leave TJX, you may have several options with your 401(k) money. Usually, you may be able to leave your 401(k) behind if your 401(k) balance is at least $5,000, or roll over the money into your new employer's 401(k) plan, IRA, or other qualified plan. You may also be able to withdraw the money from the plan, but this option may trigger income taxes, and additional penalties if you are younger than 59 ½.

TJX 401(k) withdrawal

You will be able to withdraw money from your TJX 401(k) account once you reach age 59 ½. At this point, you will be taxed at your income tax bracket. However, if you are below age 59 ½, you may be allowed to take a hardship withdrawal to satisfy an immediate financial need, but you must meet certain hardship conditions. Be aware that early withdrawals from a 401(k) plan may be subject to a 10% early withdrawal penalty. 

TJX 401(k) early withdrawal

The TJX 401(k) plan allows early withdrawals in certain situations. Generally, you will be able to take a hardship withdrawal before age 59 ½ if you are facing an immediate and heavy financial need. Some of the situations that qualify for hardship withdrawals include a first-time home purchase, medical expenses, preventing an eviction or foreclosure, etc. If eligible, you will only be allowed to withdraw the amount required to satisfy your hardship withdrawal.

TJX 401(k) rollover form

To roll over funds from your TJX 401(k) plan, you will need to complete a rollover form. You can obtain a rollover form by logging into your 401(k) account on the Fidelity website or by contacting Fidelity Investments customer service representatives.

TJX 401(k) account number

You can find your TJX 401(k) account number by logging in to your retirement account on the Fidelity website. You can also check your old 401(k) statements or contact Fidelity's customer service for assistance.

TJX 401(k) phone number

To get help with your TJX 401(k) plan, you can contact Fidelity’s customer service representatives at 800-835-5095 anytime from Monday to Friday 8.30 am to 12.00 am ET. You can also find additional phone numbers on your account dashboard and on the 401(k) statement.

TJX 401(k) administrator

The plan administrator for the TJX 401(k) plan is David L. Averill, SVP, Corporate Tax Director. You can contact the plan administrator at 508-390-2306 for help with your retirement benefits. You can also write to the plan administrator through the following address: C/O Corp Tax Dept/RT 500 2CS 770 Cochituate Road, Framingham, MA, 01701.

TJX 401(k) eligibility

New TJX employees are eligible to participate in the company’s 401(k) plan after completing one year of service and are at least age 21. Once an employee meets these requirements, they will be automatically enrolled in the plan, and start contributing to the plan.

TJX 401(k) vesting

TJX employees are always 100% vested in their contributions to the company’s 401(k) plan. However, employer matching contributions become fully vested after 4 years. If you leave the company before the four years, you get to keep 100% of your contributions and a portion of the employer match, depending on your years of service.

TJX 401(k) app

TJX employees can manage their 401(k) money through Fidelity’s NetBenefits, which is available for both Apple and Android devices. The mobile app gives TJX 401(k) plan participants access to their 401(k) balance, investment options, and important updates related to the retirement plan.

TJX 401(k) summary product description

TJX employees receive a summary plan description once they join the TJX 401(k) plan. You can request a summary plan description by logging into your 401(k) account on the Fidelity website or mobile app, or by contacting the plan administrator.