401K Plan

401k plan with 5% matching which is typical. Target offers a Roth and Traditional option and you can elect to participate in 1 or both. The Roth does not match. The outside vendor is professional and you have access to either personally change your investment or pay the outside vendor to assist you. There are not many funds to elect for investing and, thus, this is one down side as in 2014 most funds were not performing that well so it made me overly aggressive in 1 particular mutual fund. (Note this lack of options is common in most companies.) Additionally, Target has a pension plan for the employees who have been there for some time. The pension is totally 100% employer sponsored and is an additional bonus. It will not be a large amount but projected payments are $258/month which would pay for some bills upon retirement. You vest after 5 years. The RoR (ate of return) for pension is 4.64%. Lastly, website that Target offers to view pension and 401(k) amounts is much more friendly than that used by national firms such as Northwestern, Allianz and AXA. As a PT employee, I am very satisfied with what I consider to be 'icing' on my retirement plan.

401k plan has no real value at all

I enjoy this perk! I have a nice egg gaining returns for me.

Borrow when you need and matches at 5%

The program was a matching program up to 5%.

They do kick in a partial match of funds and the outside vender handling the 401k accounts is very professional.

Company match up to 5%

It was a matching program up to 5%

Not great offerings, but its an instant 5 percent match...no need to stay to take the match.