Industry · Form 5500 business code 424400
Grocery & Related Products: 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.
330 retirement plans in grocery & related products with 100 or more participants filed Form 5500 for plan year 2024 (311 defined contribution, 19 defined benefit). All Form 5500 pension filers in the group reported 595,061 participant records and $38.2B in net assets.
The median defined contribution plan held $43,558 per participant, below the national median of $53,031, and its employer put in $1,465 per active participant (national: $2,174). Among plans reporting Schedule C compensation the median was $125 per participant against $123 nationally.
Employers contributed $1.00B and participants $1.47B during the year, and the plans paid out $4.59B in benefits.
In 2009 the same group numbered 438 plans with $24.7B; by 2024 it was 330 plans (down 25%) and $38.2B (up 55%). 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 | $43,558 | $53,031 | $63,833 | $86,234 |
| Employer contributions per active participant | $1,465 | $2,174 | $13,961 | $10,244 |
| Schedule C compensation per participant | $125 | $123 | $295 | $344 |
| Schedule C compensation, share of net assets | 0.31% | 0.26% | 0.47% | 0.42% |
| Administrative expenses per participant | $112 | $116 | $409 | $527 |
Medians across plans with 100 or more participants (296 DC and 19 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 | $24,338 | $43,558 | $71,134 | 296 |
| Employer contributions per active participant | $786 | $1,465 | $2,725 | 286 |
| Schedule C compensation per participant | $52.79 | $125 | $196 | 279 |
| Administrative expenses per participant | $47.05 | $112 | $192 | 288 |
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 | 51 | 60,927 | $2.94B | $61.1M | $123M | $59,966 | $179 |
| 2024 | 330 | 595,061 | $38.2B | $1.00B | $1.47B | $43,558 | $125 |
| 2023 | 345 | 626,208 | $35.6B | $940M | $1.38B | $40,786 | $112 |
| 2022 | 410 | 619,698 | $31.5B | $898M | $1.31B | $34,084 | $108 |
| 2021 | 422 | 600,473 | $37.7B | $872M | $1.19B | $40,265 | $107 |
| 2020 | 418 | 600,299 | $36.7B | $779M | $1.07B | $37,594 | $105 |
| 2019 | 430 | 548,462 | $29.8B | $741M | $987M | $33,374 | $89.65 |
| 2018 | 427 | 551,284 | $25.9B | $744M | $922M | $29,144 | $73.22 |
| 2017 | 441 | 624,961 | $31.0B | $1.24B | $857M | $29,605 | $65.76 |
| 2016 | 424 | 640,095 | $28.6B | $1.00B | $889M | $27,320 | $57.89 |
| 2015 | 432 | 646,886 | $31.3B | $1.22B | $858M | $27,321 | $53.65 |
| 2014 | 427 | 682,767 | $33.6B | $790M | $782M | $27,396 | $46.01 |
| 2013 | 428 | 702,451 | $33.6B | $1.11B | $728M | $27,299 | $42.79 |
| 2012 | 424 | 695,183 | $30.1B | $1.22B | $704M | $22,934 | $42.18 |
| 2011 | 424 | 710,926 | $28.9B | $1.24B | $716M | $21,093 | $42.46 |
| 2010 | 439 | 725,301 | $28.1B | $1.35B | $706M | $21,319 | $40.16 |
| 2009 | 438 | 736,388 | $24.7B | $922M | $692M | $18,473 | $36.34 |
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 330 plans on this page's list, by number of plans. A plan usually names several providers.
Largest plans
The 40 largest by participants of 330 plans with a page on this site.
| Plan | Sponsor | State | Type | Participants | Net assets | Per participant | Employer / active | Sch. C / participant |
|---|---|---|---|---|---|---|---|---|
| Sysco Corporation Employees' 401(k) Plan | Sysco Corporation | TX | DC | 58,747 | $5.25B | $89,362 | $4,169 | $45.13 |
| Unfi 401(k) Plan | United Natural Foods, Inc. | RI | DC | 47,810 | $2.76B | $57,809 | $1,211 | — |
| Performance Food Group Employee Savings Plan | Performance Food Group, Inc. | VA | DC | 38,825 | $1.90B | $48,863 | $1,631 | $49.18 |
| US Foods 401(k) Plan | US Foods, Inc. | IL | DC | 33,662 | $2.48B | $73,669 | $3,051 | $35.09 |
| Sysco Corporation Retirement Plan | Sysco Corporation | TX | DB | 30,257 | $2.47B | $81,794 | $1,549 | $147 |
| McLane Company, Inc. Profit Sharing Plan | McLane Company, Inc. | TX | DC | 29,196 | $1.51B | $51,639 | $1,872 | $58.30 |
| Supervalu Inc. Retirement Plan | Supervalu Inc. | MN | DB | 23,581 | $1.51B | $63,833 | — | — |
| Spartannash Company Savings Plus Plan | Spartannash Company | MI | DC | 20,246 | $745M | $36,807 | $705 | $33.46 |
| Gordon Food Service, Inc. Profit Sharing Plan | Gordon Food Service, Inc. | MI | DC | 18,591 | $2.76B | $148,373 | $8,016 | $127 |
| Alex Lee, Inc. and Affiliates Retirement Savings Plan | Alex Lee, Inc. | NC | DC | 12,714 | $323M | $25,417 | $245 | $59.19 |
| C&S and Affiliates 401(k) Savings Plan (a) | C&S Wholesale Grocers, Inc. | NH | DC | 12,511 | $750M | $59,966 | $1,587 | $107 |
| Kehe Distributors, Inc. Employee Stock Ownership Plan | Kehe Distributors, Inc. | IL | DC | 8,582 | $2.17B | $252,313 | — | — |
| Dot Holdings Co. 401(k) and Profit Sharing Plan | Dot Holdings Co. | MO | DC | 7,978 | $674M | $84,457 | $4,559 | $76.77 |
| Shamrock Foods Company 401(k) Plan and Trust | Shamrock Foods Company | AZ | DC | 7,955 | $455M | $57,172 | $3,427 | $91.23 |
| Ben E. Keith Company Retirement Savings Plan | Ben E. Keith Company | TX | DC | 7,669 | $494M | $64,416 | $4,523 | $23.70 |
| Alex Lee, Inc. and Affiliates Pension Plan | Alex Lee, Inc. | NC | DB | 7,176 | $315M | $43,827 | $1,715 | $192 |
| The Chef's Warehouse 401(k) Profit Sharing Plan & Trust | Dairyland USA Corp. | CT | DC | 5,457 | $117M | $21,488 | $664 | $61.11 |
| Retirement Plan for Employees of Ben E. Keith Company and Its Affiliates | Ben E. Keith Company | TX | DB | 5,233 | $442M | $84,448 | — | $303 |
| The H.T. Hackney Co. Employees Profit Sharing Retirement Plan and Trust | The H. T. Hackney Company | TN | DC | 5,191 | $125M | $24,143 | $442 | $44.24 |
| Gobrands, Inc. 401(k) Profit Sharing Plan | Gobrands, Inc. | PA | DC | 4,891 | $76.6M | $15,654 | $949 | $39.92 |
| Chicago Area Ib of T Severance and Retirement Plan | Board of Trustees Chicago Area Ibt Severance and Retirement Trust Fund | IL | DC | 4,735 | $54.8M | $11,583 | $2,317 | $40.56 |
| Monster Energy Company 401 K Plan | Monster Beverage Corporation | CA | DC | 4,317 | $260M | $60,280 | $2,598 | $70.94 |
| Jetro Cash & Carry Enterprises, LLC Retirement Savings Plan | Jetro Cash & Carry Enterprises, LLC | NY | DC | 4,066 | $164M | $40,252 | $867 | $5.12 |
| Procacci Bros. Sales Corporation 401(k) Plan | Procacci Bros. Sales Corp. | PA | DC | 3,575 | $7.0M | $1,957 | $11 | $0.30 |
| Associated Food Stores, Inc. 401(k) Plan and Trust | Afs Holdings, Inc. | UT | DC | 3,513 | $208M | $59,296 | $1,711 | $44.47 |
| Lipari Foods 401(k) Profit Sharing Plan | Lipari Foods Operating Company, LLC | MI | DC | 3,483 | $70.3M | $20,195 | $754 | $72.93 |
| Awg, Inc. Restated 401(k) Plan | Associated Wholesale Grocers, Inc. | KS | DC | 3,460 | $311M | $89,914 | $7,313 | $43.13 |
| Local 734 Pension Fund | Trustees of the Local 734 Pension Fund | IL | DB | 3,357 | $192M | $57,083 | $10,188 | $693 |
| Ready Pac Foods, Inc. 401(k) Retirement Savings Plan | Ready Pac Produce, Inc. | CA | DC | 3,129 | $66.4M | $21,235 | $448 | $106 |
| Giorgio Companies Profit Sharing & 401(k) Plan | Giorgio Foods, Inc. | PA | DC | 3,112 | $102M | $32,695 | $1,898 | $86.54 |
| Triple B Corporation 401(k) Savings Plan | Triple B Corporation | WA | DC | 2,926 | $31.3M | $10,699 | $0 | $0.09 |
| Roundys Supermarkets, Inc. Retirement Plan | Roundys Supermarkets, Inc. | WI | DB | 2,884 | $137M | $47,558 | — | — |
| The Odom Corporation Salary Savings Plan and Trust | The Odom Corporation | WA | DC | 2,866 | $127M | $44,163 | $1,393 | $65.99 |
| UFCW Local 174 Pension Fund | Board of Trustees-Ufcw Local 174 Pension Fund | NJ | DB | 2,666 | $1.9M | $695 | — | $114 |
| Chicago Area Ib of T Pension Trust Fund | Board of Trustees of Chicago Area Ib of T Pension Trust Fund | IL | DB | 2,586 | $372M | $144,027 | $17,795 | $287 |
| Wakefern Food Corporation 401(k) Savings Plan | Wakefern Food Corp. | NJ | DC | 2,568 | $478M | $186,320 | $4,648 | $133 |
| Mexico Foods 401(k) Plan | El Rancho Corp. | TX | DC | 2,376 | $8.0M | $3,346 | $211 | $3.62 |
| Seer Group 401(k) Plan | The Seer Group LLC | WA | DC | 2,099 | $47.5M | $22,635 | $1,615 | $2.80 |
| Bozzuto's, Inc. 401(k) Plan | Bozzuto's, Inc. | CT | DC | 2,031 | $95.1M | $46,828 | $713 | $29.83 |
| Buehler's Fresh Foods Employee Stock Ownership Plan | Styx Acquisition, LLC DBA Buehler's Fresh Foods | OH | DC | 1,994 | $23.0M | $11,542 | $390 | — |
By plan size
By state
Questions and answers
How many retirement plans are there in grocery & related products?
330 plans with 100 or more participants filed Form 5500 for plan year 2024, out of 500 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 grocery & related products?
The median defined contribution plan reported $43,558 in net assets per participant (middle half of plans: $24,338 to $71,134); 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 grocery & related products?
The median defined contribution plan received $1,465 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 grocery & related products?
Among defined contribution plans that report any Schedule C compensation, the median was $125 per participant and 0.31% 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.