Department of Labor filing

MIND THE GAP, INC.

MIND THE GAP, INC. RETIREMENT TRUST · For the plan year ended Dec 31, 2025

Latest public filing 2025 · received Jul 16, 2026Current benefit source dated Jan 31, 2026

At a glance

The details employees usually care about

Bottom line: The employer contribution is documented. You own the match immediately. Reported employer money is near the middle of its peer group.

45Plan health
from public filings

3/7Key terms
we could verify

See what drives the plan health score

Employer contributions versus peers43/10030% of the full model

Lower reported administrative cost27/10020% of the full model

Active-participant trend50/10010% of the full model

Net-asset trend50/10010% of the full model

Reported compliance signals20/10010% of the full model

Filing completeness100/10010% of the full model

Published only when at least four measures and half of the model weight are available. Missing information is excluded rather than scored as zero.

Employer matchSee verified formula

Gap confirms that it matches some or all eligible employee contributions under a predetermined formula.

Check the source ↓

Value at $100,000 of paySee formula

Based on the published formula. Eligibility and annual limits can change the amount.

When the money is yoursImmediately

Gap's employer matching contributions vest immediately.

When you can joinA waiting period applies

The GapShare plans cover employees who meet plan eligibility requirements; the filing does not state a waiting period.

Employer money vs. similar plans43th percentile

Up 0.0% over the filing history shown.

Plan health45/100

Participation up 0.0% · assets up 0.0%

How this is calculated →

Still checking: employee fees, investment choices, automatic enrollment, Roth availability

These details may be in documents available only to employees. We leave them blank until we find a dated source.

What to check first: the match, vesting, waiting period and fees. Use the filing history to see how the plan has changed over time.

One limitation: public filings do not show your personal investment returns. A blank means we could not verify the answer; it does not count against the plan. Source documents for the current terms are linked below.

Filing comparison · 202538out of 100 among similar-size plans in the same industry when enough peers exist

How this filing compares

Reported employer contributions43rd percentileTypical peer $1,050 · based on 5,136 comparable plans

Lower reported administrative expense27th percentileTypical peer $36 · based on 4,851 comparable plans

This comparison uses historical filing figures. It does not compare current match formulas, vesting, investments, or employee fees.

Peer-group method: industry size. The comparison used the most specific peer group with enough valid filings.

The short version

What employees should know

For the year ended Dec 31, 2025, MIND THE GAP, INC. reported $26,165 in employer contributions across this plan, or $770 per active participant. This is the best company-wide filing average available—not a promise of what any one employee receives.

People actively participating34

Up 0.0% across the filing years shown. The filing does not report every employee who was eligible.

Employer money over timeUp 0.0%

Change in employer contributions per active participant.

Plan costs over timeUp 0.0%

Change in reported administrative cost per participant. Fund expenses may be separate.

Peer comparison38/100

Compared with similarly sized plans in the same industry.

Money and scale

Contributions, assets, and expenses

These are plan-wide totals. They are not individual account balances.

Employer contributions: $26,165
Participant contributions: $57,969
Other contributions: Not reported
Employer share of contributions: 31.1%
Active participants: 34
Total participants: 34
Ending assets: $554,232
Net-asset change: Up 0.0%
Beginning net assets: $444,923
Ending net assets: $554,232
Beginning liabilities: Not reported
Ending liabilities: Not reported
Total income: $171,011
Total expenses: $61,702
Administrative expenses: $5,509
Participant loans: Not reported

Three-year filing history

How the reported figures changed

Each chart uses the selected public filing for that year. Missing values remain blank rather than becoming zero.

Employer money per active participant

2025

$770

Administrative cost per participant

2025

$162

Active participants

2025

Total plan assets

2025

$554,232

Participant loans as a share of assets

2025

Not reported

Detailed filing history
Plan year	Employer money per active participant	Active participants	Plan assets
2025	$770	34	554.2K

Changes in plan assets are not the same as investment performance.

Plan health

Operational signals worth checking

Participant loans as a share of plan assets: Not reported
Independent accountant’s opinion: Not stated in the filing
Late participant contributions reported: Yes · $1,848A “yes” needs context and is not, by itself, proof of wrongdoing.
Loan defaults reported: Not reported
Lease defaults reported: Not reportedOnly a small number of filings report these events.
Nonexempt transactions reported: Not reported
Public plan identifier: 460760515-001

Reported plan details

Identity and filing status

Plan type: Retirement plan
Employer arrangement: 1
Plan effective date: Mar 1, 2022
Industry: Arts, entertainment, and recreation
Amended filing: No
Final filing for this plan: No
Short plan year: No
401(k) feature reported: Yes
Show DOL characteristic codes
2E2J2K2F2G3D2T

Company filings

Retirement-plan details in SEC filings

These are relevant passages from company filings. Open the filing for context; a passage only becomes a current plan term after we check its wording and date.

10-K · report period Jan 31, 2026GAP INC — 10-K filed 2026-03-17 ↗

Primary source · awaiting review

Employer contributions

nal Revenue Codes. Under the GapShare Plans, we match, in cash, all or a portion of employees’ contributions under a predetermined formula. Our contributions vest immediately. Our matching contributions to the GapShare Plans were $ 49 million, $ 48 million, and $ 49 million in fiscal 2025, 2024, and 2023, respectively. We maintain the Gap, Inc. Deferred Compensation Plan, which allows eligible employees to defer base compensation and annual bonus up to a maximum percentage, and non-employee directors to defer receipt of a portion of their Board fees. Plan investments are directed by participants and are recorded at market value and designated for the DCP. The fair value of the Company’s DCP assets is determined based on quoted market prices, and the assets are recorded within other long-te

Fees

we already compete; • upgrading our digital and information technology systems; • continuing to integrate AI and similar technologies across our business; • increased general and administrative expenses and management time and attention spent complying with sustainability-related requirements and expectations; • our dividend policy and the payment of our first quarter fiscal 2026 dividend; • delivering financial and operational rigor, through an optimized cost structure and disciplined execution; • building our brands to increase relevance, while we elevate our product and customer experience to drive sustainable growth; • optimizing our platform to drive scale by advancing capabilities that amplify and enable our brands; • strengthening our culture by developing talent and fostering a hi

Verified plan terms

What dated primary sources say

Only details supported by the reviewed source appear here. We do not turn missing information into an answer.

Employer contribution: Gap confirms that it matches some or all eligible employee contributions under a predetermined formula. The filing does not publish the current formula, so a maximum match should not be inferred.
Eligibility: The GapShare plans cover employees who meet plan eligibility requirements; the filing does not state a waiting period.
Vesting: Gap's employer matching contributions vest immediately.

Still checking 4 details

investment information, automatic enrollment, roth contributions, participant fees. These items stay out of the main grid until we find a dated source.

Source: Gap Inc. fiscal 2025 Form 10-K ↗ · dated Jan 31, 2026

Filing evidence

Open the selected public records

We use the latest valid received filing for each year after resolving amendments and duplicate records. Open the source to check the original filing.

Filing ACK_ID20260716154140NAL0005944688001

Data sourceDOL Form 5500 bulk data ↗

Filing searchEFAST2 ↗