You Own Wall Street › Employer plans › Credit Acceptance
Credit Acceptance 401(k) retirement plan: the investment options
Does your 401(k) vote the way you would? Vanguard Institutional Index Fund is the largest fund in the Credit Acceptance plan that publishes its votes. Answer 3 of its ballots from this season, then see your result.
The question on the ballot
As filed
Credit Acceptance 401(k) match and balances, from the filing
- Company money in
- about $4,160 per active participant
- $10m in plan year 2024
- Employees saved
- about $8,220 each
- $20m in plan year 2024
- Average balance
- $95,100
- 2,941 people with a balance
- In the plan
- $280m
- at the end of plan year 2024
Company money is the match plus any other employer contributions, averaged over all 2,437 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 CREDIT ACCEPTANCE CORPORATION as “CREDIT ACCEPTANCE CORPORATION 401(K) PLAN AND TRUST” · EIN 381999511, plan number 001 · search the filings
These are the funds in the Credit Acceptance 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 Credit Acceptance’s own annual retirement-plan filing · open the filing
| Fund | Climate | Workers | Pay equity | Exec pay backed |
|---|---|---|---|---|
| Vanguard Institutional Index Fund listed as “Vanguard Institutional Index I” | 0 of 66 | 0 of 20 | 0 of 6 | 97.8% |
| Vanguard Total International Stock Index Fund listed as “Vanguard Total International Stock Index Fund (Admiral Shares)” | 0 of 95 | 0 of 10 | 0 of 4 | 83.1% |
| Vanguard Morningstar Small-Cap Index Fund listed as “Vanguard Small-Cap Index Fund (Admiral Shares)” | 0 of 17 | 0 of 2 | 0 of 3 | 96.6% |
| Vanguard Morningstar Mid-Cap Index Fund listed as “Vanguard Mid-Cap Index Fund (Admiral Shares)” | 0 of 13 | 0 of 3 | 0 of 2 | 97.6% |
| Fidelity Small Cap Growth K6 Fund listed as “Fidelity Small Cap Growth K6 Fund” | — | — | — | 91.7% |
| Vanguard Equity Income Fund listed as “Vanguard Equity-Income Fund (Admiral Shares)” | 0 of 33 | 0 of 5 | 0 of 2 | 98.2% |
| Vanguard FTSE Social Index Fund listed as “Vanguard FTSE Social Index Fund Admiral” | 0 of 53 | 0 of 12 | 0 of 5 | 95.8% |
| Janus Henderson Enterprise Portfolio listed as “Janus Henderson Enterprise Fund (Class N)” | — | — | 0 of 1 | 98.5% |
| T. Rowe Price Mid-Cap Value Fund, Inc. listed as “T. Rowe Price Mid-Cap Value Fund” | 0 of 5 | — | — | 99% |
| Vanguard Real Estate II Index Fund listed as “Vanguard Real Estate Index Fund (Admiral Shares)” | 0 of 1 | — | — | 95.6% |
| BlackRock High Yield Portfolio listed as “BlackRock High Yield Portfolio Fund Class K” | — | — | — | 62.5% |
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.