Industry · Form 5500 business code 311200
Grain & Oilseed Milling: 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.
For plan year 2024, 79 retirement plans in grain & oilseed milling with 100 or more participants filed Form 5500: 62 defined contribution and 17 defined benefit. They reported 83,366 participant records and $9.94B in net assets, counting every plan on the form.
The median defined contribution plan held $96,395 per participant, well above the national median of $53,031, and its employer put in $3,562 per active participant (national: $2,174). Among plans reporting Schedule C compensation the median was $192 per participant against $123 nationally.
Employers contributed $387M and participants $257M during the year, and the plans paid out $1.02B in benefits.
In 2009 the same group numbered 85 plans with $5.29B; by 2024 it was 79 plans (down 7%) and $9.94B (up 88%). 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 | $96,395 | $53,031 | $57,746 | $86,234 |
| Employer contributions per active participant | $3,562 | $2,174 | $3,695 | $10,244 |
| Schedule C compensation per participant | $192 | $123 | $372 | $344 |
| Schedule C compensation, share of net assets | 0.22% | 0.26% | 0.68% | 0.42% |
| Administrative expenses per participant | $180 | $116 | $560 | $527 |
Medians across plans with 100 or more participants (58 DC and 17 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 | $57,922 | $96,395 | $132,389 | 58 |
| Employer contributions per active participant | $2,353 | $3,562 | $6,827 | 57 |
| Schedule C compensation per participant | $104 | $192 | $316 | 53 |
| Administrative expenses per participant | $104 | $180 | $305 | 53 |
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 | 10 | 6,600 | $1.05B | $32.7M | $35.8M | $120,960 | $249 |
| 2024 | 79 | 83,366 | $9.94B | $387M | $257M | $96,395 | $192 |
| 2023 | 79 | 84,160 | $9.44B | $289M | $243M | $90,074 | $158 |
| 2022 | 81 | 80,825 | $8.14B | $192M | $228M | $71,417 | $149 |
| 2021 | 80 | 80,156 | $10.3B | $182M | $215M | $80,048 | $112 |
| 2020 | 79 | 84,884 | $10.3B | $169M | $204M | $87,554 | $116 |
| 2019 | 78 | 89,136 | $9.64B | $233M | $189M | $79,938 | $104 |
| 2018 | 77 | 96,811 | $8.55B | $158M | $191M | $72,379 | $108 |
| 2017 | 79 | 98,268 | $9.29B | $395M | $188M | $69,221 | $98.00 |
| 2016 | 83 | 100,879 | $8.19B | $184M | $182M | $63,171 | $89.33 |
| 2015 | 85 | 100,037 | $7.58B | $250M | $180M | $58,525 | $54.26 |
| 2014 | 89 | 101,668 | $8.00B | $163M | $168M | $62,351 | $57.52 |
| 2013 | 85 | 99,735 | $7.73B | $168M | $160M | $61,636 | $53.87 |
| 2012 | 87 | 99,415 | $6.98B | $175M | $153M | $51,947 | $57.58 |
| 2011 | 88 | 98,562 | $6.21B | $171M | $140M | $44,822 | $48.81 |
| 2010 | 85 | 94,759 | $5.72B | $135M | $132M | $40,080 | $60.10 |
| 2009 | 85 | 95,804 | $5.29B | $418M | $130M | $34,110 | $49.18 |
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 78 plans on this page's list, by number of plans. A plan usually names several providers.
Largest plans
The 40 largest by participants of 78 plans with a page on this site.
| Plan | Sponsor | State | Type | Participants | Net assets | Per participant | Employer / active | Sch. C / participant |
|---|---|---|---|---|---|---|---|---|
| Kellanova Savings and Investment Plan | Kellanova | IL | DC | 10,657 | $1.77B | $165,833 | $6,141 | — |
| Kellanova Pension Plan | Kellanova | IL | DB | 10,654 | $1.20B | $112,383 | $54,890 | — |
| WK Kellogg Co. Bakery, Confectionery, Tobacco Workers and Grain Millers Pension Plan | WK Kellogg Co. | MI | DB | 4,778 | $448M | $93,699 | $20,959 | $343 |
| Bunge U.S. Pension Plan | Bunge North America, Inc. | MO | DB | 4,531 | $466M | $102,902 | $2,161 | $406 |
| Bunge Retirement Savings Plan | Bunge North America, Inc. | MO | DC | 3,457 | $535M | $154,653 | $10,097 | $25.15 |
| Ingredion Incorporated Retirement Savings Plan for Salaried Employees | Ingredion Incorporated | IL | DC | 3,061 | $707M | $230,831 | $10,047 | $103 |
| Ingredion Pension Plan | Ingredion Incorporated | IL | DB | 2,706 | $316M | $116,647 | — | $330 |
| Kent Corporation Retirement Plan | Kent Corporation | IA | DC | 2,563 | $553M | $215,913 | $8,010 | $136 |
| Riceland Foods, Inc. 401(k) Retirement Plan | Riceland Foods, Inc. | AR | DC | 2,178 | $74.4M | $34,155 | $1,700 | $94.12 |
| WK Kellogg Co. Bakery, Confectionery, Tobacco Workers and Grain Millers Savings & Investment Plan | WK Kellogg Co. | MI | DC | 2,049 | $373M | $181,958 | $3,712 | — |
| Riceland Foods, Inc. Employee Benefit Pension Plan | Riceland Foods, Inc. | AR | DB | 1,785 | $319M | $178,663 | — | $497 |
| Kerry Inc. Employees Retirement Plan | Kerry Inc. | WI | DB | 1,557 | $67.8M | $43,534 | $0 | $339 |
| Phillips Pet Food and Supplies 401(k) Plan | Phillips Pet Food & Supplies, Inc. | PA | DC | 1,460 | $36.4M | $24,936 | $591 | $70.12 |
| Kellanova Pringles Savings and Investment Plan | Kellanova | IL | DC | 1,255 | $105M | $83,925 | $5,815 | — |
| WK Kellogg Co. Savings & Investment Plan | WK Kellogg Co. | MI | DC | 1,239 | $338M | $272,868 | $10,308 | — |
| The Mennel Milling Company Savings and Investment Plan and Trust | The Mennel Milling Company | OH | DC | 1,133 | $55.8M | $49,285 | $2,476 | $82.40 |
| Kalmbach Feeds, Inc. 401(k) Plan | Kalmbach Feeds, Inc. | OH | DC | 1,053 | $59.4M | $56,421 | $1,924 | $116 |
| Bunge Savings Plan | Bunge North America, Inc. | MO | DC | 1,037 | $30.2M | $29,097 | $1,167 | $32.90 |
| Ingredion Incorporated Retirement Savings Plan for Hourly Employees | Ingredion Incorporated | IL | DC | 925 | $130M | $140,326 | $5,315 | $124 |
| The Bay State Milling Company Retirement Plan | Bay State Milling Company | MA | DC | 822 | $92.0M | $111,935 | $3,861 | $82.73 |
| Grain Millers, Inc. Retirement Savings Plan | Grain Millers, Inc. | MN | DC | 802 | $78.3M | $97,593 | $3,975 | $184 |
| Bob's Red Mill 401(k) Retirement Savings Plan | Bob's Red Mill Natural Foods, Inc. | OR | DC | 788 | $39.1M | $49,633 | $2,670 | $273 |
| Producers Rice Mill, Inc. 401(k) Plan | Producers Rice Mill, Inc. | AR | DC | 785 | $23.9M | $30,492 | $1,188 | $113 |
| Grain Craft 401(k) Plan | Grain Craft, LLC | TN | DC | 725 | $72.6M | $100,137 | $3,629 | $172 |
| Fresno Truck Center Profit Sharing Plan | Fresno Truck Center | CA | DC | 700 | $71.0M | $101,431 | $9,873 | $673 |
| Bob's Red Mill Natural Foods, Inc. Employee Stock Ownership Plan | Bob's Red Mill Natural Foods, Inc. | OR | DC | 667 | $237M | $354,822 | $8,049 | — |
| AG Partners Coop 401(k) Retirement Plan | AG Partners Coop | MN | DC | 660 | $85.7M | $129,807 | $3,515 | $265 |
| Standard Profit Sharing Plan Plus 401(k) Plan | Standard Nutrition Company | NE | DC | 641 | $40.3M | $62,862 | $2,289 | $159 |
| Bunge North America Pension Plan for Hourly Union Employees | Bunge North America East, L.L.C. | MO | DB | 631 | $33.7M | $53,344 | — | $246 |
| Roquette America, Inc. Retirement System | Roquette America, Inc. | IA | DC | 627 | $140M | $223,672 | $10,373 | $338 |
| Vita Plus Corporation 401(k) Plan | VP Holdings Corporation | WI | DC | 573 | $79.9M | $139,425 | — | $195 |
| Country Visions Cooperative 401(k) Retirement Savings Plan | Country Visions Cooperative | WI | DC | 564 | $48.0M | $85,062 | $3,444 | $5.35 |
| Producers Rice Mill, Inc. Pension Plan | Producers Rice Mill, Inc. | AR | DB | 561 | $121M | $216,237 | — | $1,906 |
| Hm/fm Retirement Plan | HM Clause, Inc. | CA | DB | 546 | $60.4M | $110,698 | — | $385 |
| Ardent Mills, LLC Pension Plan for Union Employees | Ardent Mills, LLC | CO | DB | 543 | $16.7M | $30,760 | — | $343 |
| Rahr Corporation Employees' Retirement Savings Plan | Rahr Corporation | MN | DC | 514 | $84.4M | $164,262 | $13,582 | $421 |
| Wehah Farm, Inc. 401(k) Profit Sharing Plan | Wehah Farm, Inc. DBA Lundberg Family Farms | CA | DC | 513 | $28.5M | $55,499 | $803 | $43.68 |
| Star of the West Savings and Protection Plan | Star of the West Milling Co. | MI | DC | 481 | $46.3M | $96,174 | $3,286 | $282 |
| Employee Stock Ownership Plan of Vita Plus | VP Holdings Corp. | WI | DC | 471 | $72.8M | $154,624 | $11,499 | $69.69 |
| Kellanova Muncy Pension Plan | Kellanova | IL | DB | 453 | $55.6M | $122,762 | $62,963 | — |
By plan size
By state
Questions and answers
How many retirement plans are there in grain & oilseed milling?
79 plans with 100 or more participants filed Form 5500 for plan year 2024, out of 96 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 grain & oilseed milling?
The median defined contribution plan reported $96,395 in net assets per participant (middle half of plans: $57,922 to $132,389); 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 grain & oilseed milling?
The median defined contribution plan received $3,562 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 grain & oilseed milling?
Among defined contribution plans that report any Schedule C compensation, the median was $192 per participant and 0.22% 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.