Industry · Form 5500 business code 444200
Lawn & Garden Equipment & Supplies 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.
56 retirement plans in lawn & garden equipment & supplies stores with 100 or more participants filed Form 5500 for plan year 2024 (56 defined contribution, 0 defined benefit). All Form 5500 pension filers in the group reported 88,197 participant records and $2.00B in net assets.
The median defined contribution plan held $48,733 per participant, below the national median of $53,031, and its employer put in $1,241 per active participant (national: $2,174). Among plans reporting Schedule C compensation the median was $116 per participant against $123 nationally.
Employers contributed $63.7M and participants $103M during the year, and the plans paid out $193M in benefits.
In 2009 the same group numbered 53 plans with $316M; by 2024 it was 56 plans (up 6%) and $2.00B (up 534%). 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 | $48,733 | $53,031 | — | $86,234 |
| Employer contributions per active participant | $1,241 | $2,174 | — | $10,244 |
| Schedule C compensation per participant | $116 | $123 | — | $344 |
| Schedule C compensation, share of net assets | 0.33% | 0.26% | — | 0.42% |
| Administrative expenses per participant | $132 | $116 | — | $527 |
Medians across plans with 100 or more participants (55 DC and 0 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 | $25,486 | $48,733 | $71,008 | 55 |
| Employer contributions per active participant | $661 | $1,241 | $2,303 | 53 |
| Schedule C compensation per participant | $60.18 | $116 | $258 | 51 |
| Administrative expenses per participant | $45.15 | $132 | $258 | 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 | 20 | 12,320 | $678M | $15.9M | $28.6M | $49,627 | $138 |
| 2024 | 56 | 88,197 | $2.00B | $63.7M | $103M | $48,733 | $116 |
| 2023 | 58 | 81,395 | $1.85B | $61.8M | $100M | $44,195 | $122 |
| 2022 | 62 | 83,187 | $1.68B | $57.7M | $99.9M | $38,640 | $120 |
| 2021 | 60 | 75,215 | $1.77B | $45.3M | $89.3M | $45,244 | $116 |
| 2020 | 62 | 70,800 | $1.51B | $40.7M | $75.6M | $41,970 | $118 |
| 2019 | 61 | 60,508 | $1.27B | $34.8M | $67.4M | $37,569 | $122 |
| 2018 | 53 | 55,156 | $1.06B | $26.2M | $59.1M | $31,626 | $84.49 |
| 2017 | 52 | 23,111 | $847M | $17.0M | $36.4M | $34,988 | $90.69 |
| 2016 | 51 | 21,795 | $735M | $14.5M | $32.1M | $28,795 | $71.17 |
| 2015 | 51 | 18,646 | $549M | $12.0M | $25.3M | $25,042 | $58.92 |
| 2014 | 53 | 19,001 | $551M | $10.5M | $24.4M | $25,652 | $83.82 |
| 2013 | 51 | 18,493 | $479M | $8.3M | $22.3M | $25,856 | $58.93 |
| 2012 | 47 | 17,756 | $409M | $7.5M | $21.0M | $22,509 | $57.73 |
| 2011 | 50 | 19,874 | $380M | $6.9M | $21.3M | $19,011 | $53.87 |
| 2010 | 49 | 22,132 | $375M | $6.7M | $20.3M | $19,621 | $51.78 |
| 2009 | 53 | 24,189 | $316M | $7.5M | $20.4M | $16,772 | $30.13 |
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 59 plans on this page's list, by number of plans. A plan usually names several providers.
Largest plans
The 40 largest by participants of 59 plans with a page on this site.
| Plan | Sponsor | State | Type | Participants | Net assets | Per participant | Employer / active | Sch. C / participant |
|---|---|---|---|---|---|---|---|---|
| Tractor Supply Company 401(k) Retirement Savings Plan | Tractor Supply Company | TN | DC | 61,116 | $560M | $9,159 | $378 | $20.42 |
| Central Garden & Pet Company Investment Growth Plan | Central Garden & Pet Company | CA | DC | 5,813 | $444M | $76,438 | $2,090 | $95.65 |
| Armstrong Garden Centers, Inc. Employee Stock Ownership Plan | Armstrong Garden Centers, Inc. | CA | DC | 1,920 | $146M | $75,796 | $10,212 | — |
| Coastal Farm & Home Supply, LLC 401(k) Plan | Coastal Farm & Home Supply, LLC | ID | DC | 1,150 | $10.5M | $9,089 | $351 | $101 |
| Family Farm & Home Retirement Plan | Family Farm & Home, Inc. | MI | DC | 1,084 | $14.3M | $13,164 | $867 | $58.54 |
| Van Wall Equipment, Inc. Profit Sharing 401(k) Plan | Van Wall Equipment, Inc. | IA | DC | 833 | $67.4M | $80,857 | $3,591 | $259 |
| D&B Supply Co. 401(k) Plan | D&B Supply Co. | ID | DC | 747 | $18.4M | $24,583 | $584 | $208 |
| Schwazze 401(k) Plan | Two JS LLC | CO | DC | 692 | $2.2M | $3,206 | $562 | $18.42 |
| Trigreen Equipment, LLC 401(k) Plan | Trigreen Equipment, LLC | AL | DC | 649 | $30.1M | $46,430 | $1,180 | $222 |
| Mid Continent Steel & Wire / Deacero USA Profit Sharing Plan | Mid Continent Steel and Wire Inc. | MO | DC | 641 | $11.2M | $17,451 | $810 | $25.91 |
| Landpro Equipment, LLC 401(k) Plan | Landpro Equipment, LLC | NY | DC | 521 | $24.2M | $46,454 | $1,241 | $111 |
| Calloway's Nursery, Inc. 401(k) Plan | Calloways Nursery, Inc. | TX | DC | 507 | $4.3M | $8,433 | $911 | $122 |
| Growgeneration Corp. 401(k) Plan | Growgeneration Corp. | CO | DC | 491 | $5.5M | $11,277 | $17 | $37.09 |
| Green Acres 401(k) Plan | Green Acres Nursery & Supply | CA | DC | 453 | $6.2M | $13,659 | $780 | $3.77 |
| Ovs 401(k) Retirement Plan | Orchard and Vineyard Supply, LLC | WA | DC | 440 | $11.6M | $26,388 | $2,069 | $74.89 |
| Star Nursery 401(k) Plan | Star Nursery, Inc. | NV | DC | 440 | $11.0M | $24,897 | $482 | $18.31 |
| River Country Co-Op 401(k) Plan | River Country Co-Op | WI | DC | 420 | $22.7M | $53,937 | $2,125 | $447 |
| Flywheel Employee Stock Ownership Plan | Buffalo Holding Company | WI | DC | 418 | $25.2M | $60,326 | $5,214 | — |
| Gertens Family of Businesses Retirement Plan | Gerten Greenhouses & Garden Center, Inc. | MN | DC | 389 | $46.8M | $120,361 | $4,788 | $238 |
| South Plains Implement, Ltd. 401(k) Plan | South Plains Implement, Ltd. | KS | DC | 388 | $34.4M | $88,540 | $2,673 | $139 |
| Merrifield Garden Center 401(k) Profit Sharing Retirement Plan | Merrifield Garden Center | VA | DC | 367 | $21.6M | $58,983 | $0 | $391 |
| Earl May Seed & Nursery LC Profit Sharing and Retirement Savings Program | Earl May Seed & Nursery LC | IA | DC | 362 | $7.1M | $19,557 | $249 | $138 |
| Grange Cooperative Supply Association 401(k) Profit Sharing Plan and Trust | Grange Cooperative Supply Association | OR | DC | 347 | $10.1M | $29,126 | $1,360 | $86.84 |
| Chalet Employees' Retirement Savings Plan | L.J. Thalmann Co. | IL | DC | 332 | $11.7M | $35,253 | $346 | $149 |
| Stein Garden Centers, Inc. 401(k) Plan | Stein Garden Centers, Inc. | WI | DC | 326 | $16.8M | $51,427 | $954 | $270 |
| Leppo, Inc. Profit Sharing and 401(k) Plan | Leppo, Inc. | OH | DC | 307 | $30.2M | $98,376 | $3,366 | $258 |
| Messick Farm Equipment, Inc. Retirement Savings Plan | Messick Farm Equipment, Inc. | PA | DC | 305 | $22.1M | $72,356 | $661 | $63.56 |
| Vertical Supply Group, Inc. Profit Sharing Plan | Vertical Supply Group, Inc. | NC | DC | 304 | $14.0M | $46,064 | $2,427 | $262 |
| Reynolds Farm Equipment, Inc. 401(k) Plan | Reynolds Farm Equipment, Inc. | IN | DC | 285 | $15.8M | $55,573 | $1,801 | $10.30 |
| Shoppa's Farm Supply 401(k) Plan | Shoppas Farm Supply Inc. | TX | DC | 279 | $13.9M | $49,643 | $2,512 | — |
| Kids Empire 401(k) Plan | Kids Empire | CA | DC | 277 | $12K | $42 | — | $0.20 |
| Petittis 401(k) Plan | Flowerland Garden Centers of Cleveland, Inc. | OH | DC | 276 | $12.4M | $44,876 | $1,202 | $112 |
| Wilson Enterprises, Inc. 401(k) Plan | Wilson Enterprises, Inc. | OH | DC | 263 | $1.8M | $6,963 | $458 | $113 |
| Summerwinds 401(k) Plan | Summerwinds Garden Centers, Inc. | ID | DC | 237 | $13.4M | $56,496 | $1,378 | $289 |
| Zamzow's, Inc. 401(k) Profit Sharing Plan | Zamzow's, Inc. | ID | DC | 234 | $7.7M | $32,831 | $1,213 | $73.37 |
| Green Thumb International Inc. Profit Sharing Plan 401(K)-II | Green Thumb International Inc. | CA | DC | 231 | $18.0M | $77,763 | $1,407 | $96.28 |
| SHINE516, Inc. Employee Stock Ownership Plan | SHINE516, Inc. | FL | DC | 230 | $112M | $487,601 | $16,538 | — |
| McDonald Gardens LLC 401(k) Plan | McDonald Gardens LLC | VA | DC | 224 | $2.6M | $11,795 | — | $44.68 |
| Hicks 401(k) Plan | Hicks Nurseries, Inc. | NY | DC | 205 | $10.1M | $49,467 | $1,194 | $159 |
| American Green, Inc. 401(k) Plan | American Green, Inc. | IL | DC | 204 | $11.3M | $55,566 | $1,308 | $113 |
By plan size
By state
Questions and answers
How many retirement plans are there in lawn & garden equipment & supplies stores?
56 plans with 100 or more participants filed Form 5500 for plan year 2024, out of 103 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 lawn & garden equipment & supplies stores?
The median defined contribution plan reported $48,733 in net assets per participant (middle half of plans: $25,486 to $71,008); 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 lawn & garden equipment & supplies stores?
The median defined contribution plan received $1,241 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 lawn & garden equipment & supplies stores?
Among defined contribution plans that report any Schedule C compensation, the median was $116 per participant and 0.33% 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.