Smart Savings 401(k) Plan

Your future financial goals—what are they and how will you achieve them? No matter what your goals may be, the Smart Savings 401(k) Plan can help you achieve success. Participating in the 401(k) Plan is a convenient, easy and tax-advantaged way to start and keep building savings for your future.

• Candidly Can Help You Tackle Student Debt

  All DICK’S teammates eligible for enrollment in a 401(k) retirement plan have FREE access to our new student debt resource, Candidly, through Vanguard.

  Candidly is a financial wellness platform that addresses student debt, retirement savings and beyond.

  Whether you’re currently paying off student loans or planning for the future, Candidly is designed to help you manage and reduce student debt with ease.

  With Candidly, you can:

  Take control of your loans – Keep all your student loans organized and easily track them in one streamlined platform.

  Optimize your payments – Explore refinancing options and repayment plans to lower your monthly payments and manage your debt more effectively.

  Receive expert support – Access financial planning tools and get personalized advice from knowledgeable advisors throughout your student debt journey.

  To enroll, log on to Vanguard. Learn more about what Candidly has to offer.

• Smart Savings 401(k) Plan

  Eligibility

  You are eligible to participate in the 401(k) Plan if you are a salaried, full-time hourly or part-time hourly teammate. You become eligible after 30 days of continuous service. You must be at least 18 years old to participate.

  Once you become eligible, you will receive enrollment information from Vanguard. To enroll and learn more about the Smart Savings 401(k) Plan, log on to Vanguard or call 1-800-523-1188. The plan number is 093683.

  ROTH 401(k) option

  Your 401(k) Plan now offers the option to make Roth after-tax contributions. With this new option, you pay taxes on your contributions now and won’t owe any taxes when you take the money out as long as you:

  • Are at least 59 1/2 when you withdraw the money

  • Made your first Roth contribution at least five years prior

  What's taxed?

  	Contributions	Withdrawals
  Traditional (Pretax)
  Roth (Post-tax)
  Company Match

  You can contribute a total of 1% to 75% of your earnings to the 401(k), any combination of traditional and Roth (up to the IRS limits). The Company match will continue to be pretax as it is today. As a reminder, the match is 100% on the first 4% and 50% on the next 2% of your 401(k) contributions, whether they are traditional or Roth. For example, if you contribute 3% traditional pretax and 3% Roth, you will receive the full Company match of 5% pretax.

  Have a Roth 401(k) account from a previous employer? You can now rollover those funds into the DICK’S Sporting Goods 401(k) plan.

  How the plan works

  1. Choose a percentage of your salary to contribute (1% to 75% of your gross pay), up to IRS limits. For 2026, that limit is $24,500 in tax-deferred contributions. You can take the guesswork out of it and get started by using the simplified enrollment process. This feature will:

     • Enroll you in the plan at a pretax savings rate of 3% of your pay.

     • Invest your savings in the Vanguard® Target Retirement Fund with the target date closest to the year you will reach age 65.^*

     • Increase your savings rate by one percentage point each year, until you are saving 10%, to help you save more for your future without taking 10% of your pay right away.

  2. Choose if you want to contribute pretax (traditional), post-tax (Roth) or both.

  3. Once you've completed 30 days of plan eligibility service and you are participating in the 401(k) Plan, you are eligible for the Company match.

  4. Your contributions, the Company match and any investment earnings grow tax-deferred until you withdraw them. This gives you more take home pay than if you were saving on your own and gives your savings the opportunity to grow much faster.

  5. In a bind? The money in your Smart Savings 401(k) Plan is for retirement, but if you're an active teammate, you can borrow up to one-half of your vested account balance (from $1,000 to $50,000), then pay yourself back (with interest) through payroll deductions. Other withdrawals while you are an active teammate are also available.

  6. You’re in control. You choose how to invest the money in your account, with a wide range of investment options ranging from conservative to aggressive. You can make changes to your savings rate or the funds in which you invest at any time.

  *Investments in Target Retirement Funds are subject to the risks of their underlying funds. The year in the fund name refers to the approximate year (the target date) when an investor in the fund would retire and leave the workforce. The fund will gradually shift its emphasis from more aggressive investments to more conservative ones based on its target date. An investment in a Target Retirement Fund is not guaranteed at any time, including on or after the target date.

• Company Match

  The Company 401(k) match is 100% on the first 4% you contribute and 50% on the next 2% you contribute. If you contribute 6% of your earnings to the 401(k), you will receive a total match of 5% of your earnings.

  This match is paid into your 401(k) account bi-weekly with your contribution.

• Save more—automatically

  If you are already participating in the plan, you have taken the first step in saving for your future. However, increasing your savings over time may be the best way to make sure you reach a more comfortable retirement.

  To help you save more, you can elect to have your savings rate automatically increase each year. Simply decide how much more you'd like to save annually and at what level you want the increases to stop (the maximum is 75%). These annual increases will continue until your contributions reach your savings percentage goal or the annual IRS limit, whichever is less.

  The automatic increase only applies to traditional pretax contributions. At this time, the automatic increase cannot be applied to post-tax Roth contributions. Please note that the cap you select will only be applied to your traditional contributions.

• Are you over age 50?

  You may be eligible to make “catch-up contributions” (up to $8,000 in 2026) in addition to your regular contributions, if you:

  • Meet all the eligibility requirements for plan participation

  • Reach age 50 or older by the end of the plan year, and

  • Are making the maximum contribution (either 75% of salary or annual maximum deferral limit of $24,500 for 2026)

  • If you will be ages 60-63 in 2026, you may contribute an additional $11,250

  Your payroll-deducted catch-up contributions will be combined with your other 401(k) contributions (pretax and post-tax) and will be invested according to your investment elections for future contributions.

• Have a 401(k) plan from your former employer?

  Roll it into the Smart Savings 401(k) Plan today. You can now rollover traditional pre-tax and/or Roth post-tax funds.

  • Log in to Vanguard.

  • Select “Manage My Money”.

  • Select “Transfer money in” from the quick links.

  • Follow the steps and provide the rollover information.

  • Contact Vanguard at 1-800-523-1188 for information.

• Investing and vesting

  Investing

  Participating in the Smart Savings 401(k) Plan is an important first step in preparing for your future. Another important step is making sure you have a proper mix of investments. You can make sure you have a proper mix of investments by working with Vanguard’s tools and support resources.

  Vesting

  Vesting refers to ownership. You are always 100% vested in (own) the money you contribute (and its earnings) in the Smart Savings 401(k) Plan. You are 100% vested in the Company match (and its earnings) for all 401(k) contributions made in 2022 and moving forward.

  For Company match on contributions made in 2021 or earlier, you become vested in the Company match (and its earnings) over time, according to this schedule, which is based on the number of years in which you work at least 1,000 hours:

  Years of vesting service	Percentage vested in Company match
  1 year	33% vested
  2 years	66% vested
  3 years	100% vested