Plan Ledger DOL Form 5500 · updated monthly

Central Garden & Pet Company401(k)

CENTRAL GARDEN & PET COMPANY INVESTMENT GROWTH PLAN · WALNUT CREEK, CA · plan year 2025

Reported admin expense ratio · 2025
0.06%

Peer grade: C+ · admin costs + employer contributions vs same-size plans · how grading works

Central Garden & Pet Company reported $242,077 in plan administrative expenses for 2025: 0.06% of average plan assets, below the peer median. Employer contributions averaged $2,090 per active participant. This ratio covers administrative expenses reported on the plan's Schedule H only; fund-level expense ratios are not included in public structured data — see methodology.

Across the 4 years on file its reported administrative ratio has held roughly steady near 0.06%. The plan sits in the $250M–$1B size bracket, benchmarked here against 230 comparable plans and shown alongside other retail trade employers. By assets it is the 294th-largest of 9,483 plans among California employers on file, and the 127th of 5,215 in retail trade. In 2025, employees put in $1.88 for every $1.00 the employer contributed.

Plan summary
Net assets, end of year$444,336,670
Participants with balances5,365
Active participants4,345
Employer contributions$9,082,234
Employee contributions$17,101,138
Employer contribution per active participant$2,090
Average account balance$82,821
Benefits paid to participants$59,141,738
Plan auditUnmodified (clean) audit opinion
Plan history4
Yearassets · accounts · employer contribution
2025$444.3M · 5,365 accts · $9.1M emplr
2024$434.6M · 5,977 accts · $8.2M emplr
2023$408.0M · 5,842 accts · $9.1M emplr
2022$367.7M · 5,774 accts · $9.2M emplr
Administrative expenses, itemized · 2025
Recordkeeping & contract admin$34,390
Investment management$94,082
Total administrative$242,077
The Central Garden & Pet Company 401(k) match · 2025
Employer contribution per active participant$2,090
Median for plans this size$4,295
2025$2,090 per active participant
2024$2,023 per active participant
2023$2,271 per active participant
2022$2,085 per active participant

Central Garden & Pet Company's 2025 employer contribution ran below the $4,295 median for plans its size, in the bottom quarter of its peers. Filings report dollars actually contributed, not the match formula; the formula itself (for example, 50% of the first 6% of pay) lives in the plan's summary plan description from HR.

What these fees cost you

Annual cost at the plan's reported 2025 administrative ratio, against the median plan its size; fund expense ratios are extra. Compare any plan.

Service providers · 20254
VOYA RETIREMENT INSURANCE & ANNUITY · Investment advisory (participants)$148,800
VOYA RETIREMENT ADVISORS, LLC · Investment advisory (participants)$93,277
WELLS FARGO CLEARING SERVICES, LLCindirect comp
BENEFIT TRUST COMPANY · Trusteeindirect comp

Compensation shown is direct payments from plan assets reported on Schedule C. Providers paid through fund revenue-sharing appear as indirect.

Administrative cost history4
2025$242,077 · 0.06%
2024$274,325 · 0.07%
2023$210,811 · 0.05%
2022$209,579 · 0.05%
All plans at this employer2
CENTRAL GARDEN & PET COMPANY INVESTMENT GROWTH PLAN401(k)
GENERAL PET 401(K) PLAN401(k)
Same employer
Similar plansRetail Trade · California
Raley's CA$639.7M · 0.11%
Sephora USA Inc. CA$600.1M · 0.22%
Hft Holdings, Inc. CA$473.9M · 0.16%
Smart & Final LLC CA$386.5M · 0.22%

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Source: U.S. Department of Labor, Form 5500 series, EIN 680275553 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.