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Cincinnati Financial 401(k) retirement plan: the investment options
Does your 401(k) vote the way you would? Fidelity 500 Index Fund is the largest fund in the Cincinnati Financial plan that publishes its votes. Answer 3 of its ballots from this season, then see your result.
The question on the ballot
As filed
Cincinnati Financial 401(k) match and balances, from the filing
- Company money in
- about $5,130 per active participant
- $29m in plan year 2024
- Employees saved
- about $9,700 each
- $54m in plan year 2024
- Average balance
- $205,000
- 6,274 people with a balance
- In the plan
- $1.29bn
- at the end of plan year 2024
Company money is the match plus any other employer contributions, averaged over all 5,564 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 CINCINNATI FINANCIAL CORPORATION as “CINCINNATI FINANCIAL CORPORATION TAX-QUALIFIED SAVINGS PLAN” · EIN 310746871, plan number 002 · search the filings
These are the funds in the Cincinnati Financial 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 Cincinnati Financial’s own annual retirement-plan filing · open the filing
| Fund | Climate | Workers | Pay equity | Exec pay backed |
|---|---|---|---|---|
| Fidelity 500 Index Fund listed as “Fidelity 500 Index Fund” | 0 of 66 | 0 of 20 | 0 of 6 | 96.8% |
| Fidelity Contrafund listed as “Fidelity Contrafund” | 5 of 45 | 2 of 19 | 1 of 1 | 96% |
| Fidelity Freedom Index 2035 Fund listed as “Fidelity Freedom Index 2035 Fund” · record folded from the funds it holds | 0 of 132 | 0 of 31 | 0 of 11 | 92.1% |
| T. Rowe Price Growth Stock Fund, Inc. listed as “T. Rowe Price Growth Stock” | 0 of 15 | 0 of 9 | — | 93.6% |
| Dodge & Cox Stock Fund listed as “Dodge & Cox Stock Fund” | 0 of 15 | 0 of 5 | 0 of 1 | 95.1% |
| Fidelity Freedom Index 2040 Fund listed as “Fidelity Freedom Index 2040 Fund” · record folded from the funds it holds | 0 of 132 | 0 of 31 | 0 of 11 | 92.1% |
| Fidelity Freedom Index 2045 Fund listed as “Fidelity Freedom Index 2045 Fund” · record folded from the funds it holds | 0 of 132 | 0 of 31 | 0 of 11 | 92.1% |
| Fidelity Freedom Index 2030 Fund listed as “Fidelity Freedom Index 2030 Fund” · record folded from the funds it holds | 0 of 132 | 0 of 31 | 0 of 11 | 92.1% |
| Fidelity Freedom Index 2050 Fund listed as “Fidelity Freedom Index 2050 Fund” · record folded from the funds it holds | 0 of 132 | 0 of 31 | 0 of 11 | 92.1% |
| Janus Henderson Enterprise Portfolio listed as “Janus Henderson Enterprise” | — | — | 0 of 1 | 98.5% |
| Vanguard Morningstar Mid-Cap Index Fund listed as “Vanguard Mid Cap Index Fund” | 0 of 13 | 0 of 3 | 0 of 2 | 97.6% |
| Fidelity International Small Cap Fund listed as “Fidelity International Cap” | 0 of 6 | — | 0 of 1 | 83.1% |
| Fidelity International Index Fund listed as “Fidelity International Index” | 0 of 32 | 0 of 4 | 0 of 2 | 90.4% |
| Fidelity Total Bond Fund listed as “Fidelity Total Bond Fund” | — | — | — | 100% |
| Fidelity Freedom Index 2055 Fund listed as “Fidelity Freedom Index 2055 Fund” · record folded from the funds it holds | 0 of 132 | 0 of 31 | 0 of 11 | 92.1% |
| Fidelity Freedom Index 2025 Fund listed as “Fidelity Freedom Index 2025 Fund” · record folded from the funds it holds | 0 of 132 | 0 of 31 | 0 of 11 | 92.1% |
| Vanguard Morningstar Small-Cap Index Fund listed as “Vanguard Small Cap Index Fund” | 0 of 17 | 0 of 2 | 0 of 3 | 96.6% |
| Fidelity Freedom Index 2060 Fund listed as “Fidelity Freedom Index 2060 Fund” · record folded from the funds it holds | 0 of 132 | 0 of 31 | 0 of 11 | 92.1% |
| T. Rowe Price New Horizons Fund, Inc. listed as “T. Rowe Price New Horizons” | 1 of 1 | — | — | 94.4% |
| T. Rowe Price Equity Income Fund listed as “T. Rowe Price Equity Income Fund” | 1 of 29 | 0 of 10 | — | 96.6% |
| Allspring Special Mid Cap Value Fund listed as “Allspring Special Mid Cap” | — | — | — | 95.9% |
| Allspring Special Small Cap Value Fund listed as “Allspring Special Small Cap” | — | — | — | 95.1% |
| Fidelity Freedom Index 2065 Fund listed as “Fidelity Freedom Index 2065 Fund” · record folded from the funds it holds | 0 of 132 | 0 of 31 | 0 of 11 | 92.1% |
| Fidelity Freedom Index 2020 Fund listed as “Fidelity Freedom Index 2020 Fund” · record folded from the funds it holds | 0 of 132 | 0 of 31 | 0 of 11 | 92.1% |
| Fidelity Freedom Index 2015 Fund listed as “Fidelity Freedom Index 2015 Fund” · record folded from the funds it holds | 0 of 132 | 0 of 31 | 0 of 11 | 92.1% |
| Fidelity Freedom Index Retirement Fund listed as “Fidelity Freedom Index Retirement Fund” · record folded from the funds it holds | 0 of 132 | 0 of 31 | 0 of 11 | 92.1% |
| Fidelity Freedom Index 2070 Fund listed as “Fidelity Freedom Index 2070 Fund” · record folded from the funds it holds | 0 of 132 | 0 of 31 | 0 of 11 | 92.1% |
| Fidelity Freedom Index 2010 Fund listed as “Fidelity Freedom Index 2010 Fund” · record folded from the funds it holds | 0 of 132 | 0 of 31 | 0 of 11 | 92.1% |
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.