Employer · plans filed under one EIN
Cummins Inc.
Columbus, IN · Manufacturing
Form 5500 information is as filed by the plan administrator with the Department of Labor and may be amended. Figures reflect the plan year shown, not current balances.
Cummins Inc., based in Columbus, Indiana, sponsors 3 retirement plans with 100 or more participants: 2 defined contribution and 1 defined benefit. Together they reported 83,247 participant records and $10.8B in net assets.
The largest is Cummins Pension Plan, a cash balance pension plan with 44,593 participants. A person can be counted in more than one plan, so the participant total is a count of records rather than of people.
Employer contributions across the plans were $111M and participant contributions $257M in the latest plan years; benefits paid were $799M. Schedule C compensation reported to service provider organisations totalled $9.3M.
Combined net assets moved from $3.19B in 2009 to $7.60B in 2025 (up 138%). Plan mergers and spin-offs show up here as steps in the series.
Plans
| Plan | Kind | Plan year | Participants | Net assets | Per participant | Employer / active | Sch. C compensation |
|---|---|---|---|---|---|---|---|
| Cummins Pension Plan | cash balance pension plan | 2024 | 44,593 | $3.20B | $71,650 | — | $9.3M |
| Cummins Retirement and Savings Plan | ESOP with a 401(k) feature | 2025 | 37,997 | $7.49B | $197,130 | $3,905 | $0 |
| Cummins Retirement and Savings Plan for Certain Collectively Bargained Employees | ESOP with a 401(k) feature | 2025 | 657 | $112M | $171,221 | $156 | $0 |
| US median, plan year 2024: DC plans $53,102 per participant, $2,175 employer contribution per active participant; DB plans $86,221 and $10,244. | |||||||
Trend by plan year
| Plan year | Plans | Participant records | Net assets | Employer contributions | Participant contributions |
|---|---|---|---|---|---|
| 2025 | 2 | 38,654 | $7.60B | $111M | $257M |
| 2024 | 3 | 83,339 | $9.68B | $111M | $256M |
| 2023 | 3 | 84,386 | $9.11B | $92.9M | $221M |
| 2022 | 3 | 71,952 | $7.72B | $112M | $199M |
| 2021 | 3 | 71,931 | $8.73B | $108M | $177M |
| 2020 | 3 | 70,472 | $8.12B | $94.9M | $164M |
| 2019 | 3 | 74,702 | $7.66B | $161M | $189M |
| 2018 | 3 | 75,033 | $6.44B | $82.7M | $183M |
| 2017 | 3 | 71,420 | $6.94B | $288M | $158M |
| 2016 | 3 | 69,495 | $5.88B | $148M | $132M |
| 2015 | 3 | 65,157 | $5.12B | $125M | $127M |
| 2014 | 2 | 20,049 | $2.54B | $47.6M | $110M |
| 2013 | 3 | 52,809 | $4.84B | $143M | $99.0M |
| 2012 | 3 | 50,464 | $4.33B | $90.6M | $99.3M |
| 2011 | 3 | 51,284 | $3.88B | $90.5M | $89.2M |
| 2010 | 3 | 47,681 | $3.84B | $162M | $73.1M |
| 2009 | 3 | 47,213 | $3.19B | $104M | $67.1M |
History of the plans listed above, in the years each filed the full Form 5500 with 100 or more participants. Plans that have since terminated are not included.
Service providers
| Organisation | Services reported | Plans | Compensation reported |
|---|---|---|---|
| Alight Solutions LLC | Recordkeeping and information management; Other services | 1 | $3,412,590 |
| Aon Investments USA Inc. | Investment management | 1 | $1,174,246 |
| Willis Towers Watson US LLC | Actuarial | 1 | $847,418 |
| The Northern Trust Company | Custodial (securities); Trustee (bank, trust company, or similar financial institution) | 1 | $845,593 |
| Walter Scott & Partners Limited | Investment management | 1 | $684,853 |
| Parametric Portfolio Associates LLC | Investment management | 1 | $588,616 |
| Prudential Ins Co. of America | Investment management | 1 | $506,163 |
| Reams Asset Management Company, LLC | Investment management | 1 | $476,982 |
| UBS Global Asset Management | Investment management | 1 | $198,544 |
| Sidley Austin LLP | Legal | 1 | $124,119 |
| Blue and Co., LLC | Accounting (including auditing) | 1 | $122,400 |
| Andersen Tax LLC | Accounting (including auditing) | 1 | $98,200 |
Organisations paid $5,000 or more by any of these plans, from Schedule C. Individuals are not shown.
Questions and answers
How many retirement plans does Cummins Inc. have?
3 plans with 100 or more participants filed Form 5500 under its employer identification number for the latest plan years: Cummins Pension Plan, Cummins Retirement and Savings Plan and Cummins Retirement and Savings Plan for Certain Collectively Bargained Employees. Smaller plans and plans filed under a subsidiary's number are not grouped here.
How much does Cummins Inc. contribute to its plans?
$111,336,890 in employer contributions across these plans in their latest plan years, about $1,933 per active participant record. Form 5500 reports totals and not the match or accrual formula.
Who provides services to these plans?
Schedule C filings name Alight Solutions LLC, Aon Investments USA Inc., Willis Towers Watson US LLC and The Northern Trust Company and others. Only organisations paid $5,000 or more by a plan are listed on Schedule C.
Where does this come from?
Form 5500 annual reports filed with the Department of Labor's EFAST2 system, from the EBSA research files, with filings received through 24 Aug 2026. Figures are as filed and may be amended.
Provenance
Source: U.S. Department of Labor, Employee Benefits Security Administration, Form 5500 research files, public domain, with filings received through 24 Aug 2026. Plans are grouped by the sponsor's employer identification number exactly as filed; a company that files under several EINs appears as several employers. See the methodology and corrections.