401(k) Plan

Saving today for tomorrow is one of the smartest moves you can make. The earlier you start, the longer your money grows and the more you can accumulate for retirement. The Bath & Body Works 401(k) provides a great way to save and invest for your future financial needs. And the best part, when you contribute, so does Bath & Body Works with a company match.

If you’re a full-time associate, you’re eligible to enroll in the 401(k) any time after the first of the month following your date of hire. If you’re a part-time associate, you’re eligible to enroll any time after the first of the month following the date that you’ve worked 1,000 hours and completed one year of service with the company.

Bath & Body Works will match your savings after working 1,000 hours and completing one year of service with the company.

Beginning January 1, 2024, we increased the 401(k) match from 4% to 5% – we will continue to match 100% up to the 4% that you contribute, and in addition we will match 50% on each 1% up to 2% that you contribute to the 401(k) plan. In other words, if you contribute 6%, Bath & Body Works will match 5%. This increase represents a full additional 1% of pay in match if you increase your contribution from 4% to 6% of your pay.

Example:

Current Program design with 4% match

If Associate earns $50,000 per year and contributes 4% to their 401(k). Associate contribution will be $2,000 and Company match is ($50,000 x .04) $2,000 – for a total of $4,000:

Associate Contribution (4%) $2,000
Company Match (4%) $2,000
Total $4,000

New Program design with 5% match (company matches 100% up to the first 4% that associate contributes, and matches 50% on each 1% up to 2%)

If Associate earns $50,000 per year and contributes 6% to their 401(k).  Associate contribution will be ($50,000 x .06) = $3,000. Company match will be ($50,000 x .04) = $2,000 and ($50,000 x.005) x 2 = $500 for a total of:

Associate Contribution (6%) $3,000
Company Match (5%) $2,500
Total $5,500

The company match vests immediately. This means the money is yours to keep, even if you leave the company.

  • Payroll deductions allow for convenient, automatic saving
  • Tax savings whether you make pre-tax or Roth after-tax contributions or both
  • Diverse investment options to suit your style and needs
  • Online and professional account management help
  • Online modeling tools and education to provide help when you need it

Learn More

For more details about the Bath & Body Works 401(k) Plan, see the Enrollment Guide, Summary Plan Description and Summary Annual Report.

Get Started

You can start participating two ways:

Access your account and financial planning tools through the Bath & Body Works 401(k) Savings & Retirement Site at upointhr.com/bbw. To get started, click on New User? and follow the instructions to set up your account. Online account features:

  • Update your account information
  • Learn about and choose investment options
  • Change your contribution rate, contribution type and investments
  • See how your account is performing
  • Get a personalized retirement forecast
  • Access tools, calculators and education to help keep you on track

Call the Bath & Body Works Retirement Plan Service Center at 888.445.4567, Monday through Friday, 8 a.m. to 8 p.m. EST, to access account information, ask questions and get help with enrollment. You will need a PIN to access your account information over the phone:

  • Associates: If you don’t know your PIN, contact the Bath & Body Works Retirement Plan Service Center and a retirement service representative will assist you.
  • Newly hired associates: If you are a new hire and need to create your PIN for the first time, once you enter your name, ZIP code and date of birth, you will be routed to a PIN Entry Application to create your PIN. Your password will then be automatically generated to access your account online. Note: You will need to create your user ID the first time you access the site.

Features to Help Your Savings Grow

You’ll contribute to the 401(k) through convenient pre-tax and/or post-tax Roth payroll deductions — giving you options to save. You can change your contribution rate, contribution type and investment elections at any time.

You’ll save on taxes whether you make pre-tax or Roth after-tax contributions.

  • Pre-tax contributions provide you a tax benefit now by reducing your taxable income in the year contributions are made. But when you retire, your contributions and earnings will be taxed based on your tax bracket at retirement, which may be lower or higher than your current tax bracket.
  • Roth contributions can provide you a tax benefit later. These contributions don’t reduce your taxable income during the year in which your contributions are made. But when you retire, you can withdraw your Roth 401(k) contributions and earnings tax-free if you are at least age 59½ and the Roth account is at least five years old.
  • Catch-up contributions let you save more than the annual maximum limit for 401(k) plan contributions if you’re age 50 or older. When the annual maximum limit is reached, your contributions will automatically continue up to the annual catch-up limit.

You can contribute up to 75% of your eligible pay up to IRS annual limits. Log on to your account at upointhr.com/bbw to see this year’s contribution limits.

The Bath & Body Works 401(k) plan offers a diverse range of investment options that you can tailor to fit your savings goals, time horizon and risk tolerance.

Bath & Body Works matches your contributions dollar for dollar, up to the first 4% of pay that you save, helping your savings grow faster.

You are 100% vested in your own contributions, as well as Bath & Body Works’ matching contributions. That means the money is yours to keep, even if you leave the company.

Get the App

Download the Alight Mobile app from the Apple or Google Play app stores to access your Bath & Body Works 401(k) plan account anytime, anywhere. Log on to the app using the same user ID and password you created for the website.

Tip: You’ll need to create your user ID and password on the website first. You cannot create your login credentials on the app.

Want to understand your benefits?

Review the Resources page to learn more.

View Resources