Industry · Form 5500 business code 448310
Jewelry 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.
43 retirement plans in jewelry stores with 100 or more participants filed Form 5500 for plan year 2024 (41 defined contribution, 2 defined benefit). All Form 5500 pension filers in the group reported 60,232 participant records and $3.32B in net assets.
The median defined contribution plan held $54,226 per participant, close to the national median of $53,031, and its employer put in $1,288 per active participant (national: $2,174). Among plans reporting Schedule C compensation the median was $148 per participant against $123 nationally.
Employers contributed $61.8M and participants $136M during the year, and the plans paid out $328M in benefits.
In 2009 the same group numbered 56 plans with $1.19B; by 2024 it was 43 plans (down 23%) and $3.32B (up 178%). 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 | $54,226 | $53,031 | $89,318 | $86,234 |
| Employer contributions per active participant | $1,288 | $2,174 | $13,604 | $10,244 |
| Schedule C compensation per participant | $148 | $123 | $299 | $344 |
| Schedule C compensation, share of net assets | 0.26% | 0.26% | 0.51% | 0.42% |
| Administrative expenses per participant | $129 | $116 | $351 | $527 |
Medians across plans with 100 or more participants (36 DC and 2 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 | $37,283 | $54,226 | $66,312 | 36 |
| Employer contributions per active participant | $728 | $1,288 | $2,480 | 35 |
| Schedule C compensation per participant | $54.50 | $148 | $301 | 32 |
| Administrative expenses per participant | $30.81 | $129 | $245 | 36 |
Trend by plan year
| Plan year | Plans 100+ | Participants | Net assets | Employer contributions | Participant contributions | Median DC assets / participant | Median DC Sch. C / participant |
|---|---|---|---|---|---|---|---|
| 2024 | 43 | 60,232 | $3.32B | $61.8M | $136M | $54,226 | $148 |
| 2023 | 44 | 60,160 | $3.07B | $61.6M | $134M | $46,952 | $108 |
| 2022 | 46 | 60,920 | $2.79B | $57.5M | $131M | $36,746 | $121 |
| 2021 | 47 | 61,958 | $3.33B | $55.4M | $119M | $44,577 | $89.39 |
| 2020 | 49 | 58,192 | $3.07B | $30.9M | $97.7M | $37,824 | $95.38 |
| 2019 | 49 | 68,330 | $2.77B | $43.4M | $110M | $34,317 | $86.48 |
| 2018 | 51 | 70,055 | $2.35B | $78.4M | $106M | $29,568 | $73.44 |
| 2017 | 48 | 70,479 | $2.46B | $55.4M | $99.9M | $32,577 | $54.89 |
| 2016 | 51 | 75,949 | $2.13B | $177M | $96.6M | $30,314 | $55.70 |
| 2015 | 51 | 51,606 | $1.79B | $36.1M | $92.2M | $27,952 | $49.37 |
| 2014 | 50 | 59,788 | $1.84B | $31.9M | $86.0M | $26,421 | $55.96 |
| 2013 | 49 | 57,244 | $1.75B | $27.3M | $76.8M | $27,269 | $36.94 |
| 2012 | 49 | 58,614 | $1.49B | $52.8M | $72.5M | $20,822 | $30.42 |
| 2011 | 48 | 58,818 | $1.33B | $57.6M | $66.0M | $18,447 | $20.31 |
| 2010 | 51 | 57,306 | $1.29B | $42.1M | $57.6M | $20,467 | $22.16 |
| 2009 | 56 | 63,054 | $1.19B | $55.8M | $59.1M | $18,478 | $22.97 |
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 43 plans on this page's list, by number of plans. A plan usually names several providers.
Largest plans
The 40 largest by participants of 43 plans with a page on this site.
| Plan | Sponsor | State | Type | Participants | Net assets | Per participant | Employer / active | Sch. C / participant |
|---|---|---|---|---|---|---|---|---|
| Signet Jewelers Retirement Savings Plan | Sterling Jewelers Inc. | OH | DC | 27,491 | $742M | $26,993 | $537 | $38.02 |
| Tiffany & Company Employee P/s & Retirement Savings Plan | Tiffany and Company | NY | DC | 8,065 | $966M | $119,788 | $4,233 | $56.06 |
| Tiffany and Company Pension Plan | Tiffany and Company | NY | DB | 4,033 | $606M | $150,159 | — | $383 |
| James Avery Craftsman, Inc. Employee 401(k) Plan | James Avery Craftsman, Inc. | TX | DC | 2,464 | $145M | $58,818 | $3,850 | $22.18 |
| Helzberg Diamonds Savings Plan | Helzberg Diamond Shops LLC | MO | DC | 2,382 | $135M | $56,602 | $633 | $66.40 |
| Reeds Jewelers, Inc. 401(k) Profit Sharing Retirement Plan | Reeds Jewelers, Inc. | NC | DC | 1,048 | $34.9M | $33,298 | $735 | $157 |
| Western Stone & Metal Corp. 401(k) Plan | Western Stone & Metal Corp. | CO | DC | 934 | $42.2M | $45,180 | $1,327 | $95.10 |
| Chrome Hearts LLC 401(k) Profit Sharing Plan and Trust | Chrome Hearts LLC | CA | DC | 917 | $23.0M | $25,120 | $703 | $144 |
| Mayors Jewelers, Inc. 401(k) Profit Sharing Plan and Trust | Mayors Jewelers, Inc. | FL | DC | 847 | $32.0M | $37,723 | $2,263 | $49.83 |
| Harry Winston, Inc. Savings Plan | Harry Winston, Inc. | NY | DC | 824 | $96.4M | $116,973 | $5,535 | $104 |
| Tourneau/bucherer 401(k) Plan | Tourneau LLC | NY | DC | 782 | $37.6M | $48,121 | $3,090 | $129 |
| Ben Bridge Retirement Savings Plan | Ben Bridge Jeweler, Inc. | WA | DC | 777 | $68.3M | $87,921 | $1,479 | $152 |
| Riddle's Group, Inc. Retirement Savings Plan | Riddle's Group, Inc. | SD | DC | 748 | $48.1M | $64,349 | $1,965 | $82.28 |
| Brighton Retail, LLC. 401(k) Profit Sharing Plan | Brighton Collectibles, LLC | CA | DC | 718 | $32.4M | $45,122 | $960 | $15.76 |
| DRJ 401(k) | Don Roberto Jewelers Inc. | CA | DC | 638 | $15.1M | $23,710 | $1,288 | $41.88 |
| Sherwood Management Co., Inc. & Associated 401(k) Profit Sharing Plan | Sherwood Management Co., Inc. | CA | DC | 627 | $24.6M | $39,194 | $967 | $129 |
| The NA Hoku, Inc. 401(k) Savings Plan | NA Hoku, Inc. | HI | DC | 582 | $31.4M | $53,985 | $2,016 | $25.58 |
| Rogers Enterprises Incentive Savings Plan (Reisp) | Rogers Enterprises, Inc. | IL | DC | 423 | $15.9M | $37,689 | $455 | $244 |
| Luxury Brand Holding, Inc. 401(k) Plan | Luxury Brand Holding, Inc. | RI | DC | 322 | $21.3M | $66,137 | $1,530 | $21.92 |
| Psi Group Savings and Retirement Plan Retirement Plan | PS Imports, Inc. | PR | DC | 308 | $528K | $1,713 | $118 | — |
| Udell Jewelers, Inc. d/b/a London Jewelers & Affiliates 401(k) Plan | Udell Jewelers, Inc. d/b/a London Jewelers & Affiliates | NY | DC | 300 | $16.3M | $54,466 | $1,054 | $225 |
| Kma Sunbelt Trading Corporation Retirement Savings | Kma Sunbelt Trading Corporation | FL | DC | 270 | $9.4M | $34,993 | $830 | $437 |
| 401(k) Retirement Savings Plan of Maui Divers of Hawaii, Ltd. | Maui Divers of Hawaii, Ltd. | HI | DC | 268 | $14.9M | $55,568 | $1,701 | $10.01 |
| Harry Winston, Inc. Employees' Retirement Plan | Harry Winston, Inc. | NY | DB | 245 | $7.0M | $28,477 | $13,604 | $215 |
| Robbins Bros. Jewelry, Inc. 401(k) Plan | Robbins Bros. Jewelry, Inc. | CA | DC | 243 | $8.8M | $36,064 | $1 | $496 |
| Borsheim Jewelry Company 401(k) Savings Plan | Borsheim Jewelry Company, Inc. | NE | DC | 225 | $20.9M | $92,768 | $2,697 | $159 |
| Maui Divers of Hawaii, Ltd. Employee Stock Ownership Plan | Maui Divers of Hawaii, Ltd. | HI | DC | 219 | $3.2M | $14,681 | $181 | — |
| Kesslers Diamond Center Inc. Employee Stock Ownership Plan | Kesslers Diamond Center, Inc. | WI | DC | 205 | $18.3M | $89,323 | $3,242 | — |
| Goldenwest Diamond Corporation 401(k) Plan | Goldenwest Diamond Corporation | CA | DC | 197 | $9.5M | $48,024 | $824 | $325 |
| Rogers Jewelry 401(k) Plan | Rogers Jewelry Company | CA | DC | 196 | $11.4M | $58,293 | $1,443 | $334 |
| Long's Jewelers, Ltd. 401(k) Profit Sharing Plan | Longs Jewelers, Ltd. | MA | DC | 194 | $16.8M | $86,405 | $2,792 | $377 |
| Tapper's Fine Jewelry, Inc. 401(k) Profit Sharing Plan | Tapper's Fine Jewelry, Inc. | MI | DC | 190 | $10.4M | $54,817 | $721 | $508 |
| Lee Michaels Jewelers 401(k) Profit Sharing Plan and Trust | Lee Michaels Jewelers, LLC | LA | DC | 188 | $11.8M | $62,650 | $744 | — |
| Lugano Diamonds and Jewelry, Inc. 401(k) Plan | Lugano Diamonds and Jewelry, Inc. | CA | DC | 175 | — | — | — | — |
| Kessler's Diamond Center, Inc. 401(k) Plan | Kessler's Diamond Center, Inc. | WI | DC | 173 | $12.7M | $73,210 | $945 | $179 |
| Albert S. Smyth Co., Inc. 401(k) Plan | Albert S. Smyth Co., Inc. | MD | DC | 153 | $7.3M | $47,479 | — | $350 |
| Fink's Jewelers, Inc. Deferred Compensation Plan | Fink's Jewelers, Inc. | VA | DC | 147 | $18.1M | $123,022 | $2,793 | $390 |
| Hannoush Jewelers Profit Sharing and Salary Reduct | Hannoush Jewelers, Inc. | MA | DC | 144 | $9.6M | $66,838 | $592 | $331 |
| Day's Jewelers Employee Stock Ownership Plan | H.E. Murdock Co., Inc. | ME | DC | 139 | — | — | — | — |
| Ildico 401(k) Plan | Ildico Inc. | CA | DC | 139 | $4.9M | $35,342 | $4,445 | $249 |
By plan size
By state
Questions and answers
How many retirement plans are there in jewelry stores?
43 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 jewelry stores?
The median defined contribution plan reported $54,226 in net assets per participant (middle half of plans: $37,283 to $66,312); 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 jewelry stores?
The median defined contribution plan received $1,288 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 jewelry stores?
Among defined contribution plans that report any Schedule C compensation, the median was $148 per participant and 0.26% 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.