Industry · Form 5500 business code 311800
Bakeries, Tortilla & Dry Pasta Mfg: 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, 168 retirement plans in bakeries, tortilla & dry pasta mfg with 100 or more participants filed Form 5500: 152 defined contribution and 16 defined benefit. They reported 287,554 participant records and $15.3B in net assets, counting every plan on the form.
The median defined contribution plan held $25,167 per participant, well below the national median of $53,031, and its employer put in $1,086 per active participant (national: $2,174). Among plans reporting Schedule C compensation the median was $95.35 per participant against $123 nationally.
Employers contributed $429M and participants $373M during the year, and the plans paid out $1.64B in benefits.
In 2009 the same group numbered 196 plans with $9.80B; by 2024 it was 168 plans (down 14%) and $15.3B (up 56%). 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 | $25,167 | $53,031 | $42,265 | $86,234 |
| Employer contributions per active participant | $1,086 | $2,174 | $3,705 | $10,244 |
| Schedule C compensation per participant | $95.35 | $123 | $200 | $344 |
| Schedule C compensation, share of net assets | 0.38% | 0.26% | 0.51% | 0.42% |
| Administrative expenses per participant | $91.03 | $116 | $338 | $527 |
Medians across plans with 100 or more participants (147 DC and 16 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 | $12,962 | $25,167 | $41,352 | 147 |
| Employer contributions per active participant | $666 | $1,086 | $1,968 | 133 |
| Schedule C compensation per participant | $46.29 | $95.35 | $154 | 140 |
| Administrative expenses per participant | $41.99 | $91.03 | $152 | 146 |
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 | 22 | 37,147 | $1.92B | $65.3M | $91.8M | $33,303 | $111 |
| 2024 | 168 | 287,554 | $15.3B | $429M | $373M | $25,167 | $95.35 |
| 2023 | 177 | 284,671 | $11.7B | $403M | $356M | $24,852 | $87.07 |
| 2022 | 214 | 292,706 | $11.7B | $393M | $328M | $17,603 | $78.79 |
| 2021 | 204 | 278,470 | $14.2B | $462M | $301M | $21,717 | $90.57 |
| 2020 | 205 | 277,260 | $13.7B | $410M | $270M | $21,369 | $68.68 |
| 2019 | 203 | 281,313 | $12.9B | $451M | $278M | $17,661 | $72.67 |
| 2018 | 203 | 307,896 | $15.4B | $892M | $332M | $16,034 | $64.55 |
| 2017 | 203 | 312,809 | $16.7B | $600M | $326M | $18,704 | $53.94 |
| 2016 | 201 | 311,806 | $15.5B | $698M | $304M | $17,006 | $47.39 |
| 2015 | 194 | 315,633 | $15.1B | $665M | $300M | $15,525 | $45.41 |
| 2014 | 186 | 319,329 | $15.8B | $686M | $285M | $15,843 | $40.92 |
| 2013 | 189 | 326,299 | $15.5B | $671M | $277M | $16,312 | $29.76 |
| 2012 | 188 | 315,906 | $13.5B | $465M | $189M | $14,313 | $30.06 |
| 2011 | 189 | 314,497 | $11.0B | $416M | $169M | $12,850 | $31.84 |
| 2010 | 190 | 296,824 | $10.8B | $431M | $165M | $14,147 | $28.73 |
| 2009 | 196 | 287,222 | $9.80B | $463M | $132M | $14,195 | $26.25 |
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 166 plans on this page's list, by number of plans. A plan usually names several providers.
Largest plans
The 40 largest by participants of 166 plans with a page on this site.
| Plan | Sponsor | State | Type | Participants | Net assets | Per participant | Employer / active | Sch. C / participant |
|---|---|---|---|---|---|---|---|---|
| Bakery & Confectionery Union & Industry International Pension Fund | Joint Board of Trustees, Bakery & Confectionery Union & Industry | MD | DB | 99,660 | $6.56B | $65,835 | $10,555 | $82.65 |
| Flowers Foods, Inc. 401(k) Retirement Savings Plan | Flowers Foods, Inc. | GA | DC | 12,933 | $959M | $74,179 | $3,502 | $71.85 |
| Gruma Corporation Retirement Savings Plan | Gruma Corporation | TX | DC | 10,520 | $381M | $36,253 | $1,146 | $76.44 |
| Bimbo Bakeries USA Savings Plan | Bbu, Inc. | PA | DC | 10,036 | $1.21B | $121,051 | $4,725 | $42.07 |
| Cleveland Bakers and Teamsters Pension Fund | Joint Bot Cleveland Bakers and Teamsters Pension Fund | OH | DB | 9,142 | $350M | $38,284 | $12,979 | $200 |
| Bimbo Bakeries USA Consolidated Pension Plan | Bbu, Inc. | PA | DB | 8,784 | $464M | $52,816 | $0 | — |
| New England Teamsters Savings and Investment Plan | New England Bakery Drivers and Its Member Local Unions | NH | DC | 8,191 | $67.2M | $8,210 | $844 | $13.99 |
| McKee Foods Retirement Plan | McKee Foods Corporation | TN | DC | 7,820 | $1.08B | $138,109 | $4,068 | $114 |
| Bimbo Bakeries USA Union Savings Plan | Bbu, Inc. | PA | DC | 6,635 | $153M | $23,117 | $297 | $24.98 |
| Cleveland Bakers and Affiliated Unions 401(k) Plan | Cleveland Bakers and Affiliated Unions 401(k) Plan | OH | DC | 4,353 | $10.9M | $2,503 | $285 | $66.97 |
| Local 888 Pension Fund | Board of Trustees Local 888 Pension Fund | NJ | DB | 3,519 | $46.0M | $13,066 | $10,119 | $120 |
| Rise Baking Company 401(k) Plan | Minnesota Best Maid Cookie Co., Inc. | MN | DC | 3,424 | $132M | $38,476 | $1,977 | $102 |
| Aspire Bakeries LLC Retirement Plan | Aspire Bakeries LLC | CA | DC | 3,217 | $168M | $52,271 | $1,799 | $117 |
| Newly Weds Foods, LLC Cash Accumulation Plan | Newly Weds Foods, LLC | IL | DC | 3,104 | $111M | $35,866 | $3 | $23.43 |
| Bctgm Atlantic Profit Sharing Fund | Bctgm Atlantic Profit Sharing Fund | FL | DC | 2,926 | $47.6M | $16,279 | $1,291 | $116 |
| Minnesota Bakers Union Pension Plan | Minnesota Bakers Union Pension Plan | MN | DB | 2,821 | $227M | $80,516 | $4,558 | $413 |
| Upstate New York Bakery Drivers and Industry Pension Fund | Trustees of the Upstate New York Bakery Drivers and Industry Pension F | NY | DB | 2,265 | $105M | $46,245 | $7,940 | $270 |
| Dawn Foods Retirement Savings Plan | Dawn Foods, Inc. | MI | DC | 2,174 | $225M | $103,426 | $4,761 | $125 |
| The Phila Bakery Employers & Food Driver Salesmens Union Local #463 & Teamsters Local #676 Pension PL | Pension FD of the Phila.bakery Employers Food | NJ | DB | 2,119 | $226M | $106,768 | $16,797 | $472 |
| King's Hawaiian 401(k) Plan | R&T One, Inc. (DBA Irresistible Foods Group) | CA | DC | 1,963 | $80.4M | $40,941 | $2,030 | $96.87 |
| Steven-Robert Originals, LLC 401(k) Plan | Steven-Robert Originals, LLC | CO | DC | 1,940 | $6.5M | $3,343 | $125 | $22.52 |
| FGF LLC | FGF LLC | IN | DC | 1,881 | $72.6M | $38,585 | $1,086 | $70.32 |
| FGF LLC | FGF LLC | IN | DC | 1,881 | $72.6M | $38,585 | $1,086 | $70.32 |
| Sara Lee Frozen Bakery 401(k) Plan | Sara Lee Frozen Bakery, LLC | IL | DC | 1,564 | $56.5M | $36,099 | $1,528 | $107 |
| Crown Bakeries Retirement Plan | Crown Bakeries, LLC | TN | DC | 1,499 | $25.2M | $16,816 | $1,244 | $112 |
| Aunt Millie's Bakeries 401(k) Savings Plan | Perfection Bakeries, Inc. d/b/a Aunt Millie's Bakeries | IN | DC | 1,428 | $85.6M | $59,963 | $1,968 | $171 |
| The Schwebel Baking Company 401(k) Plan | Schwebel Baking Company | OH | DC | 1,414 | $37.1M | $26,241 | $837 | $46.57 |
| United States Bakery Profit Sharing & 401(k) Plan | United States Bakery | OR | DC | 1,369 | $107M | $78,054 | $8,782 | $153 |
| Martin's Famous Pastry Shoppe, Inc. 401(k) Profit Sharing Plan | Martin's Famous Pastry Shoppe, Inc. | PA | DC | 1,366 | $105M | $76,693 | $2,272 | $120 |
| Sterling BV, Inc. 401(k) Plan | Sterling BV, Inc. | TX | DC | 1,357 | $4.2M | $3,119 | — | $10.25 |
| Alpha Baking Co., Inc. & Subsidiaries 401(K)PROFIT Sharing Plan | Alpha Baking Co., Inc. | IL | DC | 1,342 | $47.4M | $35,343 | $1,010 | $72.14 |
| Lewis Brothers Bakeries, Inc. Savings Plan | Lewis Brothers Bakeries, Inc. | IN | DC | 1,273 | $28.7M | $22,547 | $327 | $47.92 |
| Cafe Valley, Inc. 401(k) Profit Sharing Plan and Trust | Cafe Valley, Inc. | AZ | DC | 1,271 | $14.6M | $11,476 | $794 | $67.98 |
| Dessert Holdings 401(k) Savings Plan | Lawler Foods, Ltd. | TX | DC | 1,261 | $37.7M | $29,925 | $1,042 | $47.45 |
| Perfect 85 Degrees C, Inc. 401(k) Plan | Perfect 85 Degrees C, Inc. | CA | DC | 1,241 | $13.5M | $10,856 | $874 | $46.83 |
| Corbion America Holdings, Inc. Retirement Savings Plan | Corbion America Holdings, Inc. | KS | DC | 1,168 | $169M | $144,572 | $5,904 | $182 |
| Klosterman Baking Company Profit Sharing Plan | Klosterman Baking Company, Inc. | OH | DC | 1,163 | $21.1M | $18,121 | $552 | $44.72 |
| Harlan Foods, Inc. Profit Sharing 401(k) Plan | Harlan Foods, Inc. | IN | DC | 1,150 | $31.6M | $27,515 | $376 | $144 |
| Twin Cities Bakery Drivers Pension Plan | Twin Cities Bakery Drivers Pension Fund | MN | DB | 1,082 | $97.0M | $89,645 | $14,352 | $615 |
| Bama Profit Sharing Plan | The Bama Companies, Inc. | OK | DC | 1,060 | $78.2M | $73,772 | $1,962 | $219 |
By plan size
By state
Questions and answers
How many retirement plans are there in bakeries, tortilla & dry pasta mfg?
168 plans with 100 or more participants filed Form 5500 for plan year 2024, out of 265 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 bakeries, tortilla & dry pasta mfg?
The median defined contribution plan reported $25,167 in net assets per participant (middle half of plans: $12,962 to $41,352); 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 bakeries, tortilla & dry pasta mfg?
The median defined contribution plan received $1,086 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 bakeries, tortilla & dry pasta mfg?
Among defined contribution plans that report any Schedule C compensation, the median was $95.35 per participant and 0.38% 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.