Industries › Agriculture, forestry, fishing and hunting
Industry · Form 5500 business code 111300
Fruit & Tree Nut Farming: retirement plans
Plans whose sponsor entered this principal business activity code on Form 5500.
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. The business code is chosen by the filer from the list in the Form 5500 instructions.
62 retirement plans in fruit & tree nut farming with 100 or more participants filed Form 5500 for plan year 2024 (59 defined contribution, 3 defined benefit). All Form 5500 pension filers in the group reported 39,648 participant records and $1.80B in net assets.
The median defined contribution plan held $37,506 per participant, well below the national median of $53,031, and its employer put in $1,615 per active participant (national: $2,174). Among plans reporting Schedule C compensation the median was $124 per participant against $123 nationally.
Employers contributed $50.2M and participants $77.5M during the year, and the plans paid out $176M in benefits.
In 2009 the same group numbered 74 plans with $867M; by 2024 it was 62 plans (down 16%) and $1.80B (up 107%). From plan year 2023 the 100-participant line counts participants with account balances, which moved many plans to the short form.
Medians compared with all US plans
| Median plan, plan year 2024 | Industry: DC | US: DC | Industry: DB | US: DB |
|---|---|---|---|---|
| Net assets per participant | $37,506 | $53,031 | $138,733 | $86,234 |
| Employer contributions per active participant | $1,615 | $2,174 | $11,954 | $10,244 |
| Schedule C compensation per participant | $124 | $123 | $485 | $344 |
| Schedule C compensation, share of net assets | 0.34% | 0.26% | 0.82% | 0.42% |
| Administrative expenses per participant | $114 | $116 | $1,294 | $527 |
Medians across plans with 100 or more participants (54 DC and 3 DB plans with a Schedule H here). Fee medians cover plans reporting an amount. DC: defined contribution, such as 401(k) and 403(b). DB: defined benefit pension.
Distribution of DC plans
| Measure | 25th percentile | Median | 75th percentile | Plans |
|---|---|---|---|---|
| Net assets per participant | $17,782 | $37,506 | $71,538 | 54 |
| Employer contributions per active participant | $678 | $1,615 | $3,027 | 53 |
| Schedule C compensation per participant | $54.56 | $124 | $272 | 50 |
| Administrative expenses per participant | $41.71 | $114 | $229 | 55 |
Trend by plan year
| Plan year | Plans 100+ | Participants | Net assets | Employer contributions | Participant contributions | Median DC assets / participant | Median DC Sch. C / participant |
|---|---|---|---|---|---|---|---|
| 2025partial | 11 | 4,136 | $157M | $3.2M | $6.8M | $47,438 | $130 |
| 2024 | 62 | 39,648 | $1.80B | $50.2M | $77.5M | $37,506 | $124 |
| 2023 | 65 | 42,266 | $1.67B | $53.9M | $76.1M | $33,980 | $94.76 |
| 2022 | 94 | 49,770 | $1.56B | $57.5M | $77.9M | $21,992 | $86.50 |
| 2021 | 92 | 47,904 | $1.91B | $51.6M | $72.1M | $23,908 | $99.27 |
| 2020 | 92 | 48,252 | $1.80B | $48.9M | $67.9M | $21,800 | $80.72 |
| 2019 | 84 | 48,015 | $1.64B | $73.2M | $63.9M | $24,020 | $82.50 |
| 2018 | 76 | 48,804 | $1.40B | $54.3M | $59.1M | $22,787 | $66.76 |
| 2017 | 76 | 47,798 | $1.45B | $52.9M | $53.2M | $21,349 | $43.78 |
| 2016 | 77 | 45,791 | $1.32B | $54.4M | $49.6M | $19,391 | $58.72 |
| 2015 | 74 | 47,859 | $1.23B | $47.7M | $44.8M | $16,428 | $43.57 |
| 2014 | 74 | 49,830 | $1.31B | $49.5M | $40.8M | $17,455 | $45.48 |
| 2013 | 75 | 49,276 | $1.26B | $44.1M | $37.0M | $19,095 | $52.82 |
| 2012 | 75 | 49,715 | $1.15B | $37.2M | $33.8M | $15,301 | $56.29 |
| 2011 | 72 | 46,186 | $1.07B | $39.8M | $30.5M | $12,747 | $73.10 |
| 2010 | 70 | 46,280 | $996M | $24.1M | $27.1M | $12,734 | $54.14 |
| 2009 | 74 | 41,044 | $867M | $23.3M | $26.1M | $11,462 | $45.81 |
Plan year is the year in which the plan year began. The drop in large plans from 2023 follows a rule change: the 100-participant line now counts participants with account balances, so many plans moved to the short form.
Provider share
Service provider organisations named most often on the Schedule C of the 62 plans on this page's list, by number of plans. A plan usually names several providers.
Largest plans
The 40 largest by participants of 62 plans with a page on this site.
| Plan | Sponsor | State | Type | Participants | Net assets | Per participant | Employer / active | Sch. C / participant |
|---|---|---|---|---|---|---|---|---|
| The Wonderful Company LLC 401(k) Plan | The Wonderful Company | CA | DC | 7,227 | $590M | $81,643 | $2,400 | $30.40 |
| Zirkle Fruit Company 401(k) Profit Sharing Plan | Zirkle Fruit Company | WA | DC | 4,169 | $81.2M | $19,468 | $496 | $61.39 |
| Firstfruits Holdco 401(k) Plan | Firstfruits Holdco, LLC | WA | DC | 1,679 | $14.2M | $8,434 | $279 | $9.68 |
| Custone 401(k) Plan | Oneonta Trading Corporation | WA | DC | 1,524 | $16.1M | $10,564 | $242 | $43.90 |
| Fowler Packing Company Retirement Plan | Fowler Packing Company, Inc. | CA | DC | 1,405 | $86.6M | $61,650 | $3,971 | $56.19 |
| McDougall and Sons, Inc. Retirement Plan | McDougall and Sons, Inc. | WA | DC | 1,316 | $29.2M | $22,216 | $977 | $92.39 |
| Wyckoff Enterprises 401(k) Profit Sharing Plan | Wyckoff Farms, Inc. | WA | DC | 1,232 | $19.8M | $16,072 | $505 | $59.01 |
| Allan Bros, Inc. 401(k) Plan and Trust | Allan Bros, Inc. | WA | DC | 1,101 | $22.3M | $20,269 | $1,133 | $72.34 |
| Washington Fruit Retirement Savings Plan | Washington Fruit & Produce Company | WA | DC | 1,089 | $16.5M | $15,113 | $678 | — |
| Reiter Affiliated Companies 401(k) Plan | Reiter Affiliated Companies, LLC | CA | DC | 1,087 | $53.5M | $49,261 | $2,497 | $126 |
| Giumarra Vineyards Corporation Pension Plan | Giumarra Vineyards Corporation | CA | DB | 1,010 | $8.3M | $8,183 | $6,274 | $67.21 |
| Jasmine Vineyards, Inc. Profit Sharing Plan | Jasmine Vineyards, Inc. | CA | DC | 837 | $11.2M | $13,395 | $1,045 | $85.78 |
| Roche Fruit Co., Inc. 401(k) Plan | RCH Fruit Co., Inc. | WA | DC | 815 | $14.0M | $17,220 | $693 | — |
| Underwood Fruit and Warehouse Retirement Savings Plan | Underwood Fruit and Warehouse Company, LLC | WA | DC | 758 | $10.7M | $14,154 | $548 | $27.19 |
| Citrus World, Inc. 401(k) Retirement Plan | Citrus World, Inc. | FL | DC | 757 | $83.5M | $110,262 | $1,615 | $347 |
| Blue Diamond Growers Employees Pension Plan | Blue Diamond Growers | CA | DB | 703 | $103M | $145,970 | $53,571 | $485 |
| Monson Fruit Co., Inc. 401(k) Profit Sharing Plan and Trust | Monson Fruit Co., Inc. | WA | DC | 684 | $6.8M | $9,998 | $417 | $50.62 |
| J. Marchini & Son, Inc. 401(k) Plan | J. Marchini & Son, Inc. | CA | DC | 565 | $2.9M | $5,142 | $347 | $46.72 |
| Sunkist Retirement Plan - a | Sunkist Retirement Board | CA | DB | 555 | $77.0M | $138,733 | $11,954 | $1,210 |
| Mariani Nut Company Inc. 401(k) Profit Sharing Plan | Mariani Nut Company Inc. | CA | DC | 540 | $30.4M | $56,339 | $1,657 | $53.97 |
| Gilbert Orchards Inc. 401(k) Plan | Gilbert Orchards, Inc. | WA | DC | 504 | $3.3M | $6,598 | $396 | $39.92 |
| Cherrylake's 401(k) Plan | I.M.G. Enterprise Inc. | FL | DC | 461 | $7.1M | $15,361 | $488 | $168 |
| Ben Hill Griffin, Inc. Employees' Profit Sharing Plan and Trust Agreement | Ben Hill Griffin Inc. | FL | DC | 446 | $34.3M | $76,926 | $4,027 | $223 |
| The HMC Group Marketing Inc. 401(k) Plan | The HMC Group Marketing, Inc. | CA | DC | 416 | $18.4M | $44,349 | $847 | $103 |
| Acm Human Resources, LLC 401(k) Plan | Acm Human Resources, LLC | OR | DC | 410 | $20.7M | $50,527 | $2,587 | $157 |
| Columbia Reach Pack 401(k) Profit Sharing Plan | Chiawana, Inc. DBA Columbia Reach Pack | WA | DC | 379 | $4.0M | $10,475 | $238 | — |
| Pacific Coast Producers Profit Sharing and Thrift 401(k) Plan | Pacific Coast Producers | CA | DC | 362 | $63.1M | $174,394 | $3,591 | $132 |
| Crimson Wine Group 401(k) Profit Sharing Plan | Crimson Wine Group, Ltd. | CA | DC | 338 | $16.3M | $48,219 | $2,440 | $209 |
| Huneeus Vintners 401(k) Plan | Huneeus Vintners LLC | CA | DC | 338 | $12.8M | $37,828 | $1,743 | $199 |
| Agriland Farming Company, Inc. 401(k) Plan | Agriland Farming Company, Inc. | CA | DC | 336 | $3.6M | $10,740 | $513 | — |
| National Pecan Company 401(k) Plan | National Pecan Company | CA | DC | 308 | $2.9M | $9,423 | $1,291 | $39.46 |
| Limoneira 401(k) Plan | Limoneira Company | CA | DC | 291 | $26.4M | $90,661 | $3,558 | $326 |
| Vino Farms, LLC Retirement Plan | Vino Farms, LLC | CA | DC | 288 | $14.3M | $49,711 | $416 | $381 |
| Munger Bros., LLC 401(k) Plan | Munger Bros., LLC | CA | DC | 286 | $8.9M | $31,023 | $1,545 | $267 |
| Enfield Farms, Inc. 401(k) Profit Sharing Plan and Trust | Enfield Farms, Inc. | WA | DC | 278 | $10.1M | $36,332 | $1,430 | $54.01 |
| Cutrale USA Retirement Savings Plan | Cutrale Citrus Juices USA, Inc. | FL | DC | 272 | $20.1M | $74,017 | $1,191 | $275 |
| Fall Creek Farm & Nursery, Inc. 401(k) Profit | Fall Creek Farm & Nursery, Inc. | OR | DC | 246 | $14.8M | $60,055 | $3,603 | $279 |
| Natural Delights 401(k) Plan | Bard Valley Date Growers Association (Bvdga) | AZ | DC | 231 | $4.9M | $21,209 | $1,100 | $57.54 |
| Barron Collier Partnership Savings Plan | Barron Collier Partnership | FL | DC | 226 | $35.9M | $159,059 | $2,997 | $44.68 |
| Horizon Nut, LLC 401(k) Profit Sharing Plan | Horizon Nut, LLC | CA | DC | 214 | $5.7M | $26,665 | $1,358 | $273 |
By plan size
By state
Questions and answers
How many retirement plans are there in fruit & tree nut farming?
62 plans with 100 or more participants filed Form 5500 for plan year 2024, out of 107 pension plans on the full form. Smaller plans file Form 5500-SF and are counted separately where shown.
What is the typical 401(k) balance in fruit & tree nut farming?
The median defined contribution plan reported $37,506 in net assets per participant (middle half of plans: $17,782 to $71,538); nationally it was $53,031. This is a plan-level average that includes former employees, not a typical person's balance.
What do employers contribute in fruit & tree nut farming?
The median defined contribution plan received $1,615 in employer contributions per active participant, against $2,174 nationally. Plans with no employer contribution are included at zero.
What are average 401(k) fees in fruit & tree nut farming?
Among defined contribution plans that report any Schedule C compensation, the median was $124 per participant and 0.34% of net assets (nationally $123 and 0.26%). Schedule C leaves out fund expense ratios and fees the employer pays, so it understates total cost.
Where does this come from?
Form 5500 annual reports in the EBSA research files, with filings received through 24 Aug 2026. Medians are computed by this site across plans with 100 or more participants.
Provenance
Source: U.S. Department of Labor, Employee Benefits Security Administration, Form 5500 research files, public domain, with filings received through 24 Aug 2026. Totals count every pension plan on the full form; medians and the plan list cover plans with 100 or more participants. See the methodology.