Industry · Form 5500 business code 442110
Furniture Stores: 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.
142 retirement plans in furniture stores with 100 or more participants filed Form 5500 for plan year 2024 (141 defined contribution, 1 defined benefit). All Form 5500 pension filers in the group reported 143,420 participant records and $6.52B in net assets.
The median defined contribution plan held $43,815 per participant, below the national median of $53,031, and its employer put in $948 per active participant (national: $2,174). Among plans reporting Schedule C compensation the median was $138 per participant against $123 nationally.
Employers contributed $145M and participants $352M during the year, and the plans paid out $644M in benefits.
In 2009 the same group numbered 183 plans with $1.96B; by 2024 it was 142 plans (down 22%) and $6.52B (up 233%). 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 | $43,815 | $53,031 | $23,001 | $86,234 |
| Employer contributions per active participant | $948 | $2,174 | $7,396 | $10,244 |
| Schedule C compensation per participant | $138 | $123 | $543 | $344 |
| Schedule C compensation, share of net assets | 0.34% | 0.26% | 2.4% | 0.42% |
| Administrative expenses per participant | $125 | $116 | $864 | $527 |
Medians across plans with 100 or more participants (133 DC and 1 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 | $24,983 | $43,815 | $75,548 | 133 |
| Employer contributions per active participant | $439 | $948 | $1,879 | 129 |
| Schedule C compensation per participant | $61.29 | $138 | $251 | 121 |
| Administrative expenses per participant | $47.79 | $125 | $222 | 127 |
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 | 15 | 18,627 | $978M | $13.1M | $53.7M | $45,797 | $103 |
| 2024 | 142 | 143,420 | $6.52B | $145M | $352M | $43,815 | $138 |
| 2023 | 142 | 139,687 | $5.77B | $145M | $346M | $39,189 | $111 |
| 2022 | 164 | 145,389 | $5.21B | $146M | $346M | $33,336 | $115 |
| 2021 | 160 | 134,981 | $5.73B | $141M | $314M | $36,640 | $97.88 |
| 2020 | 162 | 131,854 | $4.94B | $99.1M | $263M | $36,429 | $93.12 |
| 2019 | 168 | 149,235 | $4.73B | $115M | $284M | $30,354 | $79.91 |
| 2018 | 158 | 142,746 | $3.88B | $104M | $261M | $27,813 | $85.87 |
| 2017 | 170 | 139,392 | $4.05B | $98.8M | $240M | $25,087 | $74.88 |
| 2016 | 168 | 134,081 | $3.39B | $91.8M | $212M | $21,802 | $61.59 |
| 2015 | 169 | 127,211 | $3.11B | $83.9M | $197M | $20,279 | $51.39 |
| 2014 | 163 | 119,536 | $2.94B | $74.1M | $169M | $21,795 | $44.97 |
| 2013 | 162 | 116,873 | $2.80B | $68.5M | $150M | $20,023 | $40.32 |
| 2012 | 158 | 113,352 | $2.35B | $78.4M | $136M | $18,788 | $33.21 |
| 2011 | 166 | 116,028 | $2.10B | $57.9M | $126M | $16,905 | $37.31 |
| 2010 | 178 | 130,885 | $2.15B | $48.1M | $123M | $16,575 | $41.09 |
| 2009 | 183 | 125,139 | $1.96B | $40.2M | $120M | $14,815 | $34.99 |
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 141 plans on this page's list, by number of plans. A plan usually names several providers.
Largest plans
The 40 largest by participants of 141 plans with a page on this site.
| Plan | Sponsor | State | Type | Participants | Net assets | Per participant | Employer / active | Sch. C / participant |
|---|---|---|---|---|---|---|---|---|
| Ikea Retirement and Savings Plan | Ikea North America Services, LLC | PA | DC | 22,940 | $1.07B | $46,847 | $2,058 | $48.56 |
| R.T.G. Furniture Corp. & Affiliates 401(k) Plan | R.T.G. Furniture Corp. & Affiliates | FL | DC | 10,506 | $319M | $30,402 | $450 | $58.05 |
| Bob's Discount Furniture 401(k) Profit Sharing Plan | Bob's Discount Furniture LLC | CT | DC | 7,946 | $228M | $28,663 | $917 | $33.63 |
| Raymours Furniture Company, Inc. 401(k) and Profit Sharing Plan | Raymours Furniture Company, Inc. | NY | DC | 6,309 | $292M | $46,254 | $707 | $11.46 |
| The Nebraska Furniture Mart, Inc. Profit Sharing Plan | Nebraska Furniture Mart, Inc. | NE | DC | 5,802 | $469M | $80,753 | $1,487 | $97.92 |
| The Profit Sharing and 401(k) Plan | Schottenstein Stores Corp. | OH | DC | 5,141 | $163M | $31,796 | $788 | $9.81 |
| American Furniture Warehouse 401(k) Plan | American Furniture Warehouse | CO | DC | 4,574 | $96.0M | $20,998 | $621 | $31.83 |
| Living Spaces Furniture, LLC 401(k) Plan | Living Spaces Furniture, LLC | CA | DC | 4,092 | $54.4M | $13,282 | $536 | $92.55 |
| City Furniture Profit Sharing Plan | City Furniture | FL | DC | 3,030 | $77.5M | $25,582 | $0 | $37.51 |
| Haverty Furniture Companies, Inc. Thrift Plan | Haverty Furniture Companies, Inc. | GA | DC | 3,016 | $194M | $64,365 | $2,513 | $73.58 |
| Warehouse Home Furnishings Distributors, Inc. Employee Stock Ownership Plan | Warehouse Home Furnishings Distributors Inc. | GA | DC | 3,008 | $565M | $187,751 | $6,490 | $1.59 |
| Mathis Brothers 401(k) Plan | Mathis Bros. Oklahoma City, LLC | OK | DC | 2,802 | $78.3M | $27,958 | $493 | $95.48 |
| R.C. Willey Home Furnishings Combined Retirement Investment Savings Plan | R.C. Willey Home Furnishings | UT | DC | 2,645 | $187M | $70,748 | $1,455 | $79.58 |
| Arhaus, LLC 401(k) Plan | Arhaus, LLC | OH | DC | 2,517 | $68.3M | $27,155 | $1,879 | $69.89 |
| The Lovesac Company 401(k) Plan | The Lovesac Company | CT | DC | 1,866 | $24.8M | $13,272 | $1,145 | $5.40 |
| Bassett Furniture Ind. Inc. 401(k) Plan | Bassett Furniture Ind. Inc. | VA | DC | 1,728 | $72.8M | $42,104 | $772 | $125 |
| Furniture Row 401(k) Savings Plan | Furniture Row, BC, Inc. | CO | DC | 1,646 | $49.0M | $29,798 | $292 | $85.72 |
| Warehouse Home Furnishings Distributors, Inc. 401(k) Retirement Savings Plan | Warehouse Home Furnishings Distributors, Inc. | GA | DC | 1,633 | $34.7M | $21,269 | $288 | $49.71 |
| Local 810 Affliated Pension Plan | Board of Trustees of Local 810 Affiliated Pension Plan | NY | DB | 1,442 | $33.2M | $23,001 | $7,396 | $543 |
| Room & Board 401(k) Plan | Room & Board, Inc. | MN | DC | 1,369 | $157M | $114,853 | $2,388 | $125 |
| One Workplace L. Ferrari 401(k) Plan | One Workplace L. Ferrari, LLC | CA | DC | 1,288 | $100M | $77,734 | $2,719 | $29.75 |
| Jordan's Furniture Company 401(k) Savings Plan | Jordans Furniture, Inc. | MA | DC | 1,264 | $169M | $133,965 | $1,875 | $233 |
| Mattress Warehouse 401(k) Retirement Plan | Mattress Warehouse LLC | MD | DC | 1,177 | $12.2M | $10,378 | $781 | $30.49 |
| Furniture Mart USA, Inc. Employee Profit Sharing 401(k) Plan | Furniture Mart USA, Inc. | SD | DC | 1,092 | $34.6M | $31,697 | $704 | $47.36 |
| Scandinavian Designs Retirement Savings Plan | Scandinavian Designs, Inc. | ID | DC | 1,063 | $41.0M | $38,569 | $0 | $103 |
| Ashley Furniture Homestore 401(k) Plan | Dufresne Spencer Group Holdings, LLC | TN | DC | 975 | $28.8M | $29,561 | $2,957 | $227 |
| Gardner White Furniture Company, Inc. 401(k) Plan | Gardner White Furniture Company, Inc. | MI | DC | 966 | $21.5M | $22,212 | $140 | $142 |
| Room & Board Employee Stock Ownership Plan | Room & Board, Inc. | — | DC | 929 | $863K | $928 | $540 | — |
| Broad River Retail Retirement Plan | Broad River Retail, LLC | SC | DC | 857 | $6.6M | $7,738 | $587 | $80.47 |
| Hom Furniture, Inc. Profit Sharing/ 401(k) Plan | Hom Furniture, Inc. | MN | DC | 853 | $71.0M | $83,186 | $1,955 | $280 |
| Baer's Furniture Company, Inc. Cash Or Deferred Profit Sharing Plan | Baer's Furniture Company, Inc. | FL | DC | 847 | $17.7M | $20,909 | $347 | $161 |
| Steinhafels Inc. Profit Sharing 401(k) Plan | Steinhafels Inc. | WI | DC | 821 | $51.6M | $62,857 | $420 | $194 |
| Empire Office, Inc. 401(k) Plan II | Empire Office, Inc. | NY | DC | 819 | $31.1M | $37,995 | $146 | $161 |
| Slumberland, Inc. Salary Savings Plan | Slumberland, Inc. | MN | DC | 775 | $69.9M | $90,196 | $1,661 | $126 |
| Schultz-Levin 401(k) Plan | Levin Furniture, LLC | PA | DC | 726 | $17.7M | $24,318 | $1,641 | $72.44 |
| Jerome's Furniture Warehouse 401(k) Savings Plan | Jeromes Furniture Warehouse | CA | DC | 703 | $23.8M | $33,910 | $582 | $154 |
| Regency Furniture 401(k) Plan | Regency Management Sservices | MD | DC | 686 | $3.4M | $5,019 | $0 | $58.15 |
| Big Sandy Superstores 401(k) Plan | Big Sandy Distribution, Inc. | OH | DC | 678 | $13.5M | $19,872 | $316 | $4.77 |
| Blackstone Imc Holdings Q L.L.C. 401(k) Plan | Blackstone Imc Holdings - Q L.L.C | NV | DC | 669 | $66.7M | $99,722 | $4,833 | $214 |
| El Dorado Furniture 401(k) Plan | El Dorado Furniture Corporation | FL | DC | 663 | $30.1M | $45,339 | $235 | $354 |
By plan size
By state
Questions and answers
How many retirement plans are there in furniture stores?
142 plans with 100 or more participants filed Form 5500 for plan year 2024, out of 217 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 furniture stores?
The median defined contribution plan reported $43,815 in net assets per participant (middle half of plans: $24,983 to $75,548); 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 furniture stores?
The median defined contribution plan received $948 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 furniture stores?
Among defined contribution plans that report any Schedule C compensation, the median was $138 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.