Colgate-Palmolive 401(k) Plan

Colgate-Palmolive offers an employer match through their 401(k) plan. Based on the filing data, Colgate-Palmolive contributed $71.0M in employer contributions against $66.5M in participant deferrals — a 107% employer-to-employee ratio, suggesting a generous match formula. The exact match formula may vary by plan and employment status. Contact Colgate-Palmolive HR or your plan administrator for the specific match formula applicable to your situation.

You can access your Colgate-Palmolive 401(k) account through the plan provider's participant portal. The plan serves 6,083 active participants. If you're a current or former employee, use the login link above or contact the plan administrator at the phone number listed on this page. First-time users will need to register using their Social Security number and date of birth.

For 2026, Colgate-Palmolive 401(k) participants can contribute up to $24,500 in employee deferrals. Participants aged 50+ can contribute an additional $8,000 in catch-up contributions (total $32,500). Those aged 60-63 can make super catch-up contributions of $11,250 (total $35,750). Currently, Colgate-Palmolive participants contribute an average of $10,925 per year in employee deferrals. Employer contributions are separate from these limits.

Many Colgate-Palmolive 401(k) plans offer loan provisions. As of the latest filing, Colgate-Palmolive participants had $12.4M in outstanding loans (averaging $2,039 across participants with active loans). The IRS limits 401(k) loans to the lesser of $50,000 or 50% of your vested balance. With an average account balance of $540K in the Colgate-Palmolive plan, the maximum potential loan amount for a fully vested participant would vary accordingly. Check with your plan administrator for specific loan terms.

When you leave Colgate-Palmolive, you have several options for your 401(k): keep it in the plan (if the balance is over $7,000), roll it over to a new employer's plan, roll it to an IRA, or take a cash distribution (subject to taxes and potential penalties). In the most recent filing year, the plan processed $330.0M in distributions to departing or retired participants. Employer match contributions may be subject to a vesting schedule.

According to the most recent Form 5500 filing, the Colgate-Palmolive 401(k) plan has 6,083 active participants managing $3.3B in plan assets. The average account balance is $540K per participant, and the plan was originally established on N/A.

Many major employers, including Colgate-Palmolive, offer both traditional pre-tax and Roth after-tax 401(k) contribution options. Given that Colgate-Palmolive participants average $10,925 in annual deferrals, choosing between Roth and traditional depends on whether you expect your tax bracket to be higher or lower in retirement. Contact the Colgate-Palmolive plan administrator for availability.

The Colgate-Palmolive 401(k) plan typically offers a range of investment options including target-date funds, index funds, actively managed funds, and potentially company stock. The plan generated $597.2M in total investment income during the last filing year. Log into your account to see current investment options and performance.

Colgate-Palmolive (CL) may offer company stock as an investment option within the 401(k) plan. Be mindful of concentration risk — financial advisors typically recommend limiting company stock to no more than 10-15% of your portfolio, especially given that your employment income already depends on Colgate-Palmolive's performance.