# Crate & Barrel Holdings, Inc. Retirement Savings Plan

Crate & Barrel Holdings, Inc. Retirement Savings Plan is a Pension Fund based in Northbrook, United States.

## Overview

- **Organization type:** Pension Fund
- **Headquarters:** Northbrook, United States
- **Region:** North America
- **Address:** Northbrook, Illinois, United States
- **Founded:** 1962
- **Assets under management:** Undisclosed
- **Website:** www.crateandbarrel.com
- **LinkedIn:** https://www.linkedin.com/company/crate-&-barrel

## Regulatory record

- **Reports private funds:** No

## About

Crate & Barrel Holdings sponsors a tax-qualified 401(k) retirement savings plan for eligible employees of its retail brands, which include Crate & Barrel, CB2, and Hudson Grace. The plan is a core part of the company's benefits package for a workforce that spans store associates, distribution-center staff, and corporate employees. The plan is structured as a participant-directed defined-contribution plan, meaning employees make their own investment selections from a curated menu of mutual funds, collective trusts, and a company-stock fund tied to the privately held parent entity's valuation. The plan is subject to ERISA fiduciary standards and files an annual Form 5500 with the Department of Labor. The plan's investment menu is overseen by a plan committee appointed by the company. While specific fund holdings are not publicly detailed, typical 401(k) lineups of this size include target-date funds as the default qualified default investment alternative, alongside core index funds, actively managed equity and fixed-income options, and a stable-value or money-market offering for capital preservation. The company offers a matching contribution, which vests over a service-based schedule, incentivizing long-tenured retail employees to participate. ERISA-mandated Form 5500 filings provide the only public window into the plan's total assets and participation rates. Without a current filing, the number of participants and aggregate account balances remain undisclosed. Private-company 401(k) plans of this size typically hold between $50 million and $250 million in assets, but that is an estimate based on similarly scaled U.S. retailers. The plan serves as the primary retirement accumulation vehicle for the company's non-union workforce and operates alongside any defined-benefit pension obligations that may remain from legacy company structures, though Crate & Barrel has not been known to maintain an active defined-benefit plan. The plan's structure as a captive, single-sponsor 401(k) plan within a privately held holding company distinguishes it from multi-employer plans common in unionized retail or from the pared-back benefits often seen at competitors dependent on high-turnover, part-time staffing. Crate & Barrel has publicly positioned its benefits program, including the 401(k), as a tool for attracting and retaining design-focused sales associates who require deeper product training than cash-and-carry retailers. The plan committee, not a third-party fiduciary, retains authority over investment selection and monitoring, creating a direct governance link between company leadership and employee retirement outcomes.

## Sectors

- Retail

## Questions

### What type of retirement plan does Crate & Barrel Holdings offer?

Crate & Barrel Holdings, Inc. sponsors a participant-directed defined-contribution 401(k) plan. Eligible employees can make pre-tax and Roth contributions, and the company provides a matching contribution that vests over a period of service. The plan is subject to ERISA and files an annual Form 5500 with the U.S. Department of Labor.

### Who oversees investment decisions for the plan?

A plan committee appointed by Crate & Barrel Holdings is responsible for selecting and monitoring the investment options available to participants. The committee acts as the named fiduciary under ERISA. The company has not publicly disclosed the identities of current committee members.

### Is Crate & Barrel Holdings a publicly traded company?

No. Crate & Barrel Holdings is a privately held company. It is currently owned by the Otto Group, a German retail and services conglomerate, which has held a controlling interest since 1998 and full ownership since 2011 (per Otto Group, 2011). The stock in the 401(k) plan's company-stock fund, if offered, is not listed on any public exchange.

### Which Crate & Barrel brands participate in the 401(k) plan?

The plan covers employees of Crate & Barrel Holdings, Inc. and its participating subsidiaries. This includes the flagship Crate & Barrel brand, the modern-leaning CB2 concept, and the Hudson Grace tabletop and entertaining brand. Employees at company-operated stores, distribution centers, and corporate offices are eligible subject to plan terms.

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Last updated: 2026-08-11T02:43:31.692Z

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