The 100 retirement plans with the most participants
Filings received through . A program makes this page from the Form 5500 files with fixed sentence rules.
Walmart 401(k) Plan has the most participants of the plans on this site: 1,996,659 in its filing for plan year 2025.
The 100 plans with the most participants together report 26,174,473 participant records and $1.94T of net assets.
69 of these plans are defined contribution plans and 31 are defined benefit plans.
While applicable plans are required to file a Form 5500 or Form 5500-SF annually, multiple filings may exist for a plan’s single form year if a plan amends their original filing or if a duplicate filing was erroneously submitted.
The dataset listed as “Latest” includes only the latest filing received for a plan with a filing status of “FILING_RECEIVED”.
EBSA wrote these sentences. Copied from Employee Benefits Security Administration, Form 5500 Datasets Guide on .
In plain words: this page shows the latest filing on record for each plan. A plan can amend a filing, and an amended filing replaces the earlier one at the next update. Source of the figures: the Form 5500 datasets, filings received through .
Plans by participants
| Plan | Sponsor | State | Plan type | Plan year | Participants | Net assets |
|---|---|---|---|---|---|---|
| Walmart 401(k) Plan | Walmart Inc. | AR | defined contribution | 2025 | 1,996,659 | $59.0B |
| Amazon 401(k) Plan | Amazon.com Services, LLC | WA | defined contribution | 2025 | 1,428,999 | $44.6B |
| Paychex Pooled Employer 401(k) Plan | Paychex Retirement LLC | NY | defined contribution | 2025 | 759,234 | $2.79B |
| National Electrical Benefit Fund | Trustees of the National Electrical Benefit Fund | MD | defined benefit | 2025 | 736,031 | $20.8B |
| Western Conference of Teamsters Pension Plan | Western Conference of Teamsters Pension Trust Fund Board of Trustees | WA | defined benefit | 2025 | 643,772 | $59.1B |
| Int'l Brotherhood of Electrical Workers' Pension Benefit Fund | International Brotherhood of Electrical Workers' Pension Benefit Fund | DC | defined contribution | 2024 | 603,067 | $2.71B |
| Target Corporation 401(k) Plan | Target Corporation | MN | defined contribution | 2025 | 473,741 | $16.1B |
| The Home Depot Futurebuilder | The Home Depot, Inc. | GA | defined contribution | 2025 | 468,817 | $15.7B |
| The Teamster - UPS National 401(k) Tax Deferred Savings Plan | Board of Trustees of the Teamsters - UPS 401(k) National Savings Plan | GA | defined contribution | 2025 | 451,730 | $21.5B |
| The Kroger Co. 401(k) Retirement Savings Account Plan | The Kroger Co. | OH | defined contribution | 2025 | 413,480 | $13.1B |
| HCA 401(k) Plan | HCA Inc. | TN | defined contribution | 2025 | 394,855 | $26.9B |
| CVS Health Future Fund 401(k) Plan | CVS Health Corporation | RI | defined contribution | 2025 | 379,925 | $34.8B |
| Express Employment Professionals 401(k) Retirement Savings Plan | Express Services, Inc. | OK | defined contribution | 2025 | 376,800 | $2.5M |
| ADP Totalsource Retirement Savings Plan | ADP Totalsource Group, Inc. | FL | defined contribution | 2025 | 339,248 | $10.7B |
| UFCW Consolidated Pension Fund | BD of Trustees UFCW Consolidated Pension Fund | GA | defined benefit | 2025 | 337,777 | $5.94B |
| FedEx Corporation Retirement Savings Plan II | FedEx Corporation | TN | defined contribution | 2025 | 335,172 | $4.95B |
| Central States, Southeast & Southwest Areas Pension Plan | Trustees of Central States, SE and SW Areas Pension Fund | IL | defined benefit | 2025 | 323,722 | $38.3B |
| The TJX Companies, Inc. 401(k) Savings Plan | The TJX Companies, Inc. | MA | defined contribution | 2025 | 321,986 | $4.31B |
| Starbucks Corporation 401(k) Plan | Starbucks Corporation | WA | defined contribution | 2025 | 314,112 | $5.73B |
| General Motors Hourly-Rate Employees Pension Plan | General Motors LLC | MI | defined benefit | 2024 | 310,099 | $35.6B |
| IAM National Pension Fund | Board of Trustees of the I.A.M. National Pension Fund | DC | defined benefit | 2025 | 307,518 | $15.8B |
| 1199SEIU Health Care Employees Pension Fund | Board of Trustees of 1199SEIU Health Care Employees Pension Fund | NY | defined benefit | 2025 | 301,189 | $18.2B |
| JPMorgan Chase 401(k) Savings Plan | JPMorgan Chase Bank, National Association | NJ | defined contribution | 2025 | 301,188 | $61.5B |
| Lowes 401(k) Plan | Lowe's Companies, Inc. | NC | defined contribution | 2025 | 289,398 | $9.16B |
| Costco 401(k) Retirement Plan | Costco Wholesale Corporation | WA | defined contribution | 2025 | 279,798 | $41.5B |
| Compass Group Retirement Plan | Compass Group USA, Inc. | NC | defined contribution | 2025 | 276,398 | $2.98B |
| Unitedhealth Group 401(k) Savings Plan | Unitedhealth Group Incorporated | MN | defined contribution | 2025 | 262,812 | $30.3B |
| AT&T Pension Benefit Plan | AT&T Inc. | TX | defined benefit | 2025 | 261,520 | $28.8B |
| UPS Pension Plan | United Parcel Service of America, Inc. | GA | defined benefit | 2025 | 253,097 | $9.79B |
| Wells Fargo & Company 401(k) Plan | Wells Fargo & Company | MN | defined contribution | 2025 | 248,225 | $64.4B |
| The Bank of America 401(k) Plan | Bank of America Corporation | NC | defined contribution | 2025 | 246,394 | $71.5B |
| Insperity 401(k) Plan | Insperity Holdings, Inc. | TX | defined contribution | 2025 | 246,088 | $10.9B |
| Public Partnerships LLC 401(k) Plan | Public Partnerships LLC | NY | defined contribution | 2025 | 245,929 | $76.2M |
| Publix Super Markets, Inc. 401(k) Smart Plan | Publix Super Markets, Inc. | FL | defined contribution | 2025 | 244,619 | $8.46B |
| Walgreens Retirement Savings Plan | Walgreen Co. | IL | defined contribution | 2025 | 240,231 | $15.7B |
| Albertsons Companies 401(k) Plan | Albertsons Companies, Inc. | CA | defined contribution | 2025 | 239,818 | $8.91B |
| Allied Universal 401(k) Plan | Universal Services of America, LP | CA | defined contribution | 2025 | 239,309 | $776M |
| Central Pension Fund of the IUOE & Participating Employers | Board of Trustees of the CPF of the IUOE and Participating Employers | DC | defined benefit | 2024 | 233,478 | $27.4B |
| Publix Super Markets, Inc. Employee Stock Ownership Plan & Trust | Publix Super Markets, Inc. | FL | defined contribution | 2025 | 220,678 | $13.9B |
| Trinet 401(k) Plan | Trinet HR III, Inc. | CA | defined contribution | 2025 | 219,334 | $10.0B |
| FedEx Corporation Employees' Pension Plan | FedEx Corporation | TN | defined benefit | 2024 | 213,710 | $26.9B |
| RTX Savings Plan | RTX Corporation | CT | defined contribution | 2025 | 211,984 | $68.1B |
| Darden Savings Plan | Darden Restaurants, Inc. | FL | defined contribution | 2025 | 211,782 | $1.90B |
| The Boeing Company 401(k) Retirement Plan | The Boeing Co. and Consolidated Subsidiaries | VA | defined contribution | 2025 | 209,633 | $80.3B |
| Kaiser Permanente Retirement Plan | Kaiser Foundation Health Plan, Inc. | CA | defined benefit | 2025 | 209,460 | $41.1B |
| United Food & Commercial Workers Intl Union - Industry Pension Fund | Trustees of UFCW Int'l Union - Industry Pension Fund | IL | defined benefit | 2024 | 204,155 | $8.12B |
| Principal Ease 401(k) Plan | Futureplan Fiduciary Services, LLC | MA | defined contribution | 2025 | 200,161 | $912M |
| Southern California UFCW Unions and Food Employers Joint Pension Trust Fund | Board of Trustees, So Ca UFCW Unions & Food Employers | CA | defined benefit | 2024 | 199,927 | $6.49B |
| United Association National Pension Fund | B/o/t United Association National Pension Fund | VA | defined benefit | 2024 | 196,837 | $7.70B |
| National Electrical Annuity Plan | Trustees of the National Electrical Annuity Plan | MD | defined contribution | 2025 | 195,719 | $19.2B |
| JPMorgan Chase Retirement Plan | JPMorgan Chase Bank, National Association | NJ | defined benefit | 2025 | 193,210 | $15.1B |
| Dollar General Corp. 401(k) Savings and Retirement Plan | Dollar General Corporation | TN | defined contribution | 2025 | 193,089 | $951M |
| RTX Consolidated Pension Plan | RTX Corporation | CT | defined benefit | 2025 | 192,473 | $40.1B |
| Kelly Retirement Savings Plan | Kelly Services, Inc. | MI | defined contribution | 2025 | 185,084 | $371M |
| Microsoft Corporation Savings Plus 401(k) Plan | Microsoft Corporation | WA | defined contribution | 2025 | 184,329 | $77.8B |
| Kaiser Permanente 401(k) Retirement Plan | Kaiser Foundation Health Plan, Inc. | CA | defined contribution | 2025 | 182,954 | $26.6B |
| AT&T Retirement Savings Plan | AT&T Inc. | TX | defined contribution | 2025 | 182,289 | $45.7B |
| Allegis Group, Inc. Retirement Savings Plan Two | Allegis Group, Inc. | MD | defined contribution | 2025 | 181,074 | $353M |
| Western States Carpenters Pension Plan | Board of Trustees of the Western States Carpenters Pension Trust | CA | defined benefit | 2025 | 178,331 | $14.5B |
| Justworks Retirement Savings Plan | Justworks Employment Group, LLC | NY | defined contribution | 2025 | 178,065 | $5.50B |
| Legacy Plan of the National Retirement Fund | BD of Trustees-Legacy Plan of the National Retirement Fund | NY | defined benefit | 2025 | 176,183 | $1.96B |
| Pacific Coast Benefits Trust Fund | Board of Trustees, Pacific Coast Benefits Trust Fund | WA | defined contribution | 2024 | 176,003 | $838M |
| S.E.I.U. National Industry Pension Fund | Board of Trustees of the S.E.I.U. National Industry Pension Fund | DC | defined benefit | 2025 | 172,811 | $1.89B |
| Marriott Retirement Savings Plan | Marriott International, Inc. | MD | defined contribution | 2025 | 167,948 | $12.7B |
| The Pension Value Plan for Employees of the Boeing Company | The Boeing Co. and Consolidated Subsidiaries | VA | defined benefit | 2025 | 167,066 | $29.9B |
| Principal Ease 401(k) Plan | Principal Life Insurance Company | IA | defined contribution | 2024 | 163,954 | $651M |
| The Pepsico Savings Plan | Pepsico, Inc. | NY | defined contribution | 2025 | 161,067 | $16.7B |
| Google LLC 401(k) Savings Plan | Google LLC | CA | defined contribution | 2025 | 160,603 | $61.6B |
| Western Unite Here and Employers Pension Fund | Board of Trustees, Western Unite Here and Employers | CA | defined benefit | 2025 | 158,780 | $4.00B |
| Wells Fargo & Company Cash Balance Plan | Wells Fargo & Company | MN | defined benefit | 2025 | 157,353 | $8.23B |
| Macys Inc. 401(k) Retirement Investment Plan | Macys, Inc. | OH | defined contribution | 2025 | 155,776 | $5.24B |
| The Bank of America Pension Plan | Bank of America Corporation | RI | defined benefit | 2025 | 154,763 | $18.4B |
| Sheet Metal Workers' National Pension Fund | BD of Trustees Sheet Metal Workers' National Pension Fund | VA | defined benefit | 2025 | 153,043 | $9.28B |
| Northrop Grumman Savings Plan | Northrop Grumman Corporation | VA | defined contribution | 2025 | 151,108 | $44.3B |
| Apple 401(k) Plan | Apple Inc. | CA | defined contribution | 2025 | 147,655 | $30.7B |
| IBM Personal Pension Plan | International Business Machines Corporation | NY | defined benefit | 2025 | 146,564 | $18.1B |
| IBM 401(k) Plan | International Business Machines Corporation | NY | defined contribution | 2025 | 144,897 | $63.3B |
| Lockheed Martin Corporation Salaried Savings Plan | Lockheed Martin Corporation | MD | defined contribution | 2025 | 144,858 | $55.4B |
| UPS Retirement Plan | United Parcel Service of America, Inc. | GA | defined benefit | 2025 | 142,919 | $21.8B |
| Culinary and Bartenders 401(k) Plan | Trustees of the Culinary and Bartenders 401(k) Trust | NV | defined contribution | 2025 | 142,849 | $288M |
| Tenet Healthcare Corporation 401(k) Retirement Savings Plan | Tenet Healthcare Corporation | TX | defined contribution | 2025 | 141,695 | $9.48B |
| Sodexo 401 (K) Employees' Retirement Savings Plan and Trust | Sodexo, Inc. | MD | defined contribution | 2025 | 136,192 | $2.71B |
| Consolidated 403(b) Program of Mass General Brigham and Member Organizations | Mass General Brigham Incorporated | MA | defined contribution | 2024 | 136,132 | $16.7B |
| UFCW No. California Employers Joint Pension Plan | Board of Trustees, UFCW No. California Employers Joint Pension Plan | CA | defined benefit | 2025 | 136,045 | $2.84B |
| Ford Motor Company UAW Retirement Plan | Ford Motor Company | MI | defined benefit | 2025 | 135,321 | $17.9B |
| 401(k) Savings Plan | Providence Health & Services | WA | defined contribution | 2025 | 134,059 | $12.3B |
| FedEx Corporation Retirement Savings Plan | FedEx Corporation | TN | defined contribution | 2025 | 133,560 | $28.1B |
| Commonspirit Health 401(k) Retirement Savings Plan a | Commonspirit Health | CO | defined contribution | 2025 | 129,374 | $10.5B |
| H-E-B Savings & Retirement Plan | H.e.butt Grocery Company | TX | defined contribution | 2025 | 129,035 | $5.08B |
| UPS 401(k) Savings Plan | United Parcel Service of America, Inc. | GA | defined contribution | 2025 | 125,164 | $15.7B |
| Steelworkers Pension Trust | Steelworkers Pension Trust | PA | defined benefit | 2025 | 124,466 | $8.02B |
| Whole Foods Market Growing Your Future 401(k) Plan | Whole Foods Market, Inc. | TX | defined contribution | 2025 | 123,250 | $2.67B |
| Source 4 Solutions LLC 401(k) Profit Sharing Plan & Trust | Source 4 Solutions LLC | TN | defined contribution | 2025 | 123,159 | $14.7M |
| Tyson Foods, Inc. Retirement Savings Plan | Tyson Foods, Inc. | AR | defined contribution | 2025 | 122,939 | $4.06B |
| Building Service 32BJ Supplemental Retirement Savings Plan | Board of Trustees of the Building Service 32BJ Supplemental | NY | defined contribution | 2024 | 122,833 | $2.56B |
| H-E-B Partner Stock Plan | H.e.butt Grocery Company | TX | defined contribution | 2025 | 122,328 | $1.80B |
| Building Service 32BJ Pension Fund | Board of Trustees of the Building Service 32BJ Pension Fund | NY | defined benefit | 2024 | 121,234 | $4.57B |
| Comcast Corporation Retirement - Investment Plan | Comcast Corporation | PA | defined contribution | 2025 | 121,034 | $22.9B |
| Disney Hourly Savings and Investment Plan | TWDC Enterprises 18 Corp. | CA | defined contribution | 2025 | 120,047 | $1.90B |
| Aon Pooled Employer Plan | Aon Consulting, Inc. | IL | defined contribution | 2025 | 119,893 | $4.92B |
How the figures were made
This table gives size and volume. It does not rate a plan or a provider, and it is not a recommendation.
Participants are the count at the end of the plan year, line 6f of Form 5500. A defined contribution plan counts participants with account balances. A person in two plans counts in both.
In earlier editions
- October 2026: the first row was Walmart 401(k) Plan (1,996,659 participants).