PetSmart 401(k) match, vesting and fees
What PetSmart's 401(k) plan says about matching contributions
Plan features
Match, vesting and enrollment details have not been published from this plan's audit report yet. The figures below come from the structured filing.
| Recordkeeper | Fidelity Investments Inst Op Co LLC | Schedule C ↗ |
| Independent auditor | Cbiz Cpas P.C. (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | 401(k) · Active | Form 5500 ↗ |
How the plan compares
Plan year 2025 medians for 20 defined-contribution plans in retail trade with 10,000 to 49,999 participants.
| PetSmart: employer contribution per participant | $1,057 | |
| Peer median | $1,637 |
| PetSmart: average balance | $51,587 | |
| Peer median | $62,166 |
| PetSmart: admin expenses ÷ assets | 0.14% | |
| Peer median | 0.10% |
Admin expenses are the plan's reported administrative expenses divided by its assets; they do not include fund expense ratios.
Plan history
Plan assets went from $538M at the end of plan year 2021 to $773M at the end of plan year 2025.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2025 | 49,074 | $773M | $15.8M | $1,057 | 0.14% | Not published | Form 5500 ↗ |
| 2024 | 50,304 | $667M | $15.6M | $1,035 | 0.15% | Not published | Form 5500 ↗ |
| 2023 | 50,952 | $576M | $16M | $1,057 | 0.20% | Not published | Form 5500 ↗ |
| 2022 | 52,167 | $466M | $14.4M | $1,002 | 0.20% | Not published | Form 5500 ↗ |
| 2021 | 50,777 | $538M | $12.9M | $963 | 0.18% | Not published | Form 5500 ↗ |
Common questions
Does PetSmart match 401(k) contributions?
The match terms for the Petsmart, Inc. Savesmart 401(k) Plan have not been published from its filing yet. The plan year 2025 filing reports $15.8M in employer contributions, about $1,057 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the PetSmart 401(k) match vested?
The vesting schedule for the Petsmart, Inc. Savesmart 401(k) Plan is not in the data published so far. Your Summary Plan Description states it.
Who manages the PetSmart 401(k)?
The recordkeeper listed on Schedule C of the plan year 2025 filing is Fidelity Investments Inst Op Co LLC. The plan administrator is Petsmart, LLC.
I left PetSmart. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (Petsmart, LLC, (623) 587-2732) or the recordkeeper, Fidelity Investments Inst Op Co LLC. The PetSmart old 401(k) page lists the contacts from every plan filing. Find an old PetSmart 401(k)
Data from the public Form 5500 annual reports PetSmart filed with the U.S. Department of Labor (plan years 2021 and 2022 and 2023 and 2024 and 2025) and, where noted, the attached independent auditor's report. Plan terms may have changed since the filing; check your current Summary Plan Description. PlanFacts is not affiliated with PetSmart. Not financial advice. Report a correction · Methodology