You Own Wall Street › Employer plans › Central Garden & Pet

Central Garden & Pet 401(k) retirement plan: the investment options

Does your 401(k) vote the way you would? T. Rowe Price Capital Appreciation Fund is the largest fund in the Central Garden & Pet plan that publishes its votes. Answer 3 of its ballots from this season, then see your result.

The question on the ballot

As filed

Central Garden & Pet 401(k) match and balances, from the filing

Company money in
about $2,020 per active participant
$8m in plan year 2024
Employees saved
about $4,280 each
$17m in plan year 2024
Average balance
$72,700
5,977 people with a balance
In the plan
$435m
at the end of plan year 2024

Company money is the match plus any other employer contributions, averaged over all 4,060 active participants, including anyone who did not contribute. The filing reports dollars, not the match formula; the plan’s summary plan description states the formula.

SourceThe plan’s annual report to the Department of Labor — Form 5500, Schedule H, plan year 2024 · filed by CENTRAL GARDEN & PET COMPANY as “CENTRAL GARDEN & PET COMPANY INVESTMENT GROWTH” · EIN 680275553, plan number 001 · search the filings

These are the funds in the Central Garden & Pet retirement plan whose voting records we can trace, taken from the plan’s own annual filing. The figures show what each one did with shareholder proposals.

SourceThe fund menu is the list of investments in Central Garden & Pet’s own annual retirement-plan filing · open the filing

FundClimateWorkersPay equityExec pay backed
T. Rowe Price Capital Appreciation Fund listed as “Voya T.Rowe Price Capital Appreciation Portfolio - Institutional Class” 0 of 170 of 7 —100%
Vanguard Institutional Index Fund listed as “Vanguard Institutional Index Fund” 0 of 660 of 20 0 of 697.8%
Massachusetts Investors Growth Stock Fund listed as “Massachusetts Investors Growth Stock Fund R4” 2 of 120 of 4 —97.1%
Putnam Large Cap Value Fund listed as “Putnam Large Cap Value Fund Class Y” 1 of 210 of 5 0 of 196.4%
Vanguard Morningstar Small-Cap Index Fund listed as “Vanguard Small-Cap Index Fund” 0 of 170 of 2 0 of 396.6%
T. Rowe Price Dividend Growth Fund, Inc. listed as “T.Rowe Price Dividend Growth Fund” 1 of 250 of 6 0 of 1100%
Empower S&P Mid Cap 400 Index Fund listed as “Principal Mid-Cap S&P 400 Institutional Fund R5” 3 of 8— 0 of 392.9%
JPMorgan Small Cap Value Fund listed as “JPMorgan Small-Cap Value Fund R6” —— —84.7%
T. Rowe Price Retirement 2035 Fund listed as “T.Rowe Price Retirement Income 2035 Fund Advisor” · record folded from the funds it holds 14 of 2354 of 76 2 of 1395.3%
T. Rowe Price Mid-Cap Growth Fund, Inc. listed as “T.Rowe Price Mid-Cap Growth Fund Advisor” 0 of 1— —93.5%
T. Rowe Price Retirement 2030 Fund listed as “T.Rowe Price Retirement Income 2030 Fund Advisor” · record folded from the funds it holds 14 of 2354 of 76 2 of 1395.3%
T. Rowe Price Retirement 2045 Fund listed as “T.Rowe Price Retirement Income 2045 Fund Advisor” · record folded from the funds it holds 12 of 1814 of 58 2 of 995.1%
T. Rowe Price Retirement Balanced Fund listed as “T.Rowe Price Retirement Balanced Fund” · record folded from the funds it holds 14 of 2354 of 76 2 of 1395.3%
T. Rowe Price Retirement 2050 Fund listed as “T.Rowe Price Retirement Income 2050 Fund Advisor” · record folded from the funds it holds 12 of 1814 of 58 2 of 995.1%
T. Rowe Price Retirement 2040 Fund listed as “T.Rowe Price Retirement Income 2040 Fund Advisor” · record folded from the funds it holds 12 of 1814 of 58 2 of 995.1%
T. Rowe Price Retirement 2055 Fund listed as “T.Rowe Price Retirement Income 2055 Fund Advisor” · record folded from the funds it holds 12 of 1814 of 58 2 of 995.1%
Fidelity International Small Cap Fund listed as “Fidelity Advisor International Small-Cap Fund” 0 of 6— 0 of 183.1%
T. Rowe Price Retirement Income 2020 Fund listed as “T.Rowe Price Retirement Income 2020 Fund Advisor” · record folded from the funds it holds 14 of 2354 of 76 2 of 1395.3%
T. Rowe Price Retirement Income 2025 Fund listed as “T.Rowe Price Retirement Income 2025 Fund Advisor” · record folded from the funds it holds 14 of 2354 of 76 2 of 1395.3%
T. Rowe Price Retirement 2010 Fund listed as “T.Rowe Price Retirement Income 2010 Fund Advisor” · record folded from the funds it holds 14 of 2354 of 76 2 of 1395.3%
Cohen & Steers Real Estate Securities Fund listed as “Cohen & Steers Real Estate Securities Fund, Inc. Class Institutional” 0 of 1— —86.5%
T. Rowe Price Retirement 2060 Fund listed as “T.Rowe Price Retirement Income 2060 Fund Advisor” · record folded from the funds it holds 12 of 1814 of 58 2 of 995.1%
T. Rowe Price Retirement 2065 Fund listed as “T.Rowe Price Retirement Income 2065 Fund Advisor” · record folded from the funds it holds 12 of 1814 of 58 2 of 995.1%
T. Rowe Price Retirement 2015 Fund listed as “T.Rowe Price Retirement Income 2015 Fund Advisor” · record folded from the funds it holds 14 of 2354 of 76 2 of 1395.3%
T. Rowe Price Retirement 2070 Fund listed as “T.Rowe Price Retirement Income 2070 Fund Advisor” · record folded from the funds it holds 12 of 1814 of 58 2 of 995.1%

What this means for you

Most people are in whichever fund their plan made the default, and never look again. The figures above are the part nobody shows you when you pick: not the fee, not last year's return, but what the fund did with the shares your savings paid for.

Vote the full deck for this plan’s fund →

Other employer plans

The largest employer plans on the site, and a few more. Each page shows what the plan’s funds did with the shares its savers paid for.

Microsoft 401(k)$64.92bn in the planBank of America 401(k)248,103 savers · $62.90bnJPMorgan Chase 401(k)297,359 savers · $52.91bnGoogle 401(k)154,637 savers · $48.74bnWells Fargo 401(k)$43.80bn in the planAmazon 401(k)943,213 savers · $34.59bnInternational Business Machines 401(k)$28.25bn in the planIntel 401(k)$26.91bn in the planVF 401(k)17,332 savers · $1.06bnConnexus Resource Group 401(k)2,244 savers · $8mFoley 401(k)1,545 savers · $128mZendesk 401(k)3,351 savers · $352mCelanese 401(k)$993m in the planKaiser Permanente 401(k)176,765 savers · $22.54bn