CENTRAL GARDEN & PET COMPANY INVESTMENT GROWTH Contribution & Employer Match

How CENTRAL GARDEN & PET COMPANY Supports Your Retirement Savings

CENTRAL GARDEN & PET COMPANY provides retirement savings benefits through CENTRAL GARDEN & PET COMPANY INVESTMENT GROWTH. Understanding your employer’s contribution structure is essential — it directly affects how quickly your retirement nest egg grows. Below you will find the plan’s average account values and contribution patterns based on publicly filed data.

CENTRAL GARDEN & PET COMPANY INVESTMENT GROWTH Average Participant Retirement Account Value

In 2024, the average participant retirement account value for CENTRAL GARDEN & PET COMPANY INVESTMENT GROWTH is $69,909.00

CENTRAL GARDEN & PET COMPANY INVESTMENT GROWTH Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for CENTRAL GARDEN & PET COMPANY INVESTMENT GROWTH is $5,591.00. If you contribute an amount exceeding this, you have saved more than your colleagues. Congratulations! Keep up the good work. Otherwise, you might want to consider contributing more to ensure a better retirement future.
357,856.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 5,591.00 in CENTRAL GARDEN & PET COMPANY INVESTMENT GROWTH, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in CENTRAL GARDEN & PET COMPANY INVESTMENT GROWTH

An employer match is one of the most valuable benefits in any 401(k) plan — it is essentially free money added to your retirement savings. Your employer contributes additional funds based on a percentage of your own contributions. Missing out on the full match is one of the most common and costly retirement mistakes employees make.

CENTRAL GARDEN & PET COMPANY INVESTMENT GROWTH Total Employer Contribution and Match Rate

In 2024, CENTRAL GARDEN & PET COMPANY INVESTMENT GROWTH allocates $8,213,791.00 to match its employees’ contributions, providing an employer match rate of 47.26% of their contributions

CENTRAL GARDEN & PET COMPANY INVESTMENT GROWTH Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in CENTRAL GARDEN & PET COMPANY INVESTMENT GROWTH is approximately $1,321.00
Investing in this additonal $1,321.00 for 20 years would give you extra $84,555.00, assuming a 10% annual return.

* Data are from public filings.

Are You Leaving Dollars on the Table?

If you are not contributing enough to capture the maximum employer match, you are literally turning down part of your compensation. For many plans, this can mean thousands of dollars per year in lost employer contributions — money that would compound over decades.

Use the policy details and calculator below to find out exactly how much you need to contribute to capture every dollar of employer matching.

CENTRAL GARDEN & PET COMPANY INVESTMENT GROWTH Contribution & Match Policy

CENTRAL GARDEN & PET COMPANY INVESTMENT GROWTH Plan Policies

CENTRAL GARDEN & PET COMPANY INVESTMENT GROWTH Contribution, Match and Other Plan Policies

  • Eligible participants may make contributions starting at 1% of their eligible pre-tax or after-tax compensation (as Roth contributions) subject to the annual dollar maximum set by the Internal Revenue Service ("IRS").
  • Unless elected otherwise, eligible participants are automatically enrolled to contribute 3% of their eligible compensation as pre-tax contributions subject to the IRS limitation.
  • The Company makes basic matching contributions at a rate of 100% of the participant’s annual deferrals (not to exceed the IRS deferral limits), up to 3% of the participant’s eligible compensation.
  • Vesting schedule: 0 years of service: 0% 1 year of service: 20% 2 years of service: 40% 3 years of service: 60% 4 years of service: 80% 5 years of service: 100% Participants are immediately vested in their salary deferrals and voluntary contributions, plus actual earnings thereon.
  • Vesting in Company’s contributions and earnings thereon is based on years of continuous service and increases in increments of 20% per year until fully vested after five years of credited service.

2025 IRS 401(k) Contribution Limits

The IRS sets annual limits on how much you and your employer can contribute to a 401(k) plan. Knowing these limits helps you maximize tax-advantaged savings. Here are the current limits:

 20242025
Employee elective deferrals (pretax + Roth)$23,000$23,500
Employee + employer contributions combined$69,000$70,000
Catch-up contributions (age 50+)$7,500$7,500
Enhanced catch-up (ages 60–63, SECURE 2.0)N/A$11,250

The power of maxing out: If you contribute the full $23,500 annually for 20 years at a 10% average annual return, you would accumulate approximately $1,505,256. If you can maximize the combined employee+employer limit of $70,000 per year, that grows to roughly $4,480,385 over the same period — more than triple.

Use the 401(k) Savings Calculator to model your specific contribution scenario and see how your savings can grow over time.

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