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Industry · Form 5500 business code 522190
Other Depository Credit Intermediation: 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, 32 retirement plans in other depository credit intermediation with 100 or more participants filed Form 5500: 25 defined contribution and 7 defined benefit. They reported 34,188 participant records and $5.33B in net assets, counting every plan on the form.
The median defined contribution plan held $113,372 per participant, well above the national median of $53,031, and its employer put in $4,154 per active participant (national: $2,174). Among plans reporting Schedule C compensation the median was $137 per participant against $123 nationally.
Employers contributed $101M and participants $145M during the year, and the plans paid out $557M in benefits.
In 2009 the same group numbered 45 plans with $2.32B; by 2024 it was 32 plans (down 29%) and $5.33B (up 130%). 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 | $113,372 | $53,031 | $194,688 | $86,234 |
| Employer contributions per active participant | $4,154 | $2,174 | $5,069 | $10,244 |
| Schedule C compensation per participant | $137 | $123 | $1,050 | $344 |
| Schedule C compensation, share of net assets | 0.09% | 0.26% | 0.43% | 0.42% |
| Administrative expenses per participant | $116 | $116 | $1,111 | $527 |
Medians across plans with 100 or more participants (25 DC and 7 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 | $76,617 | $113,372 | $175,759 | 25 |
| Employer contributions per active participant | $2,671 | $4,154 | $6,206 | 24 |
| Schedule C compensation per participant | $60.50 | $137 | $169 | 21 |
| Administrative expenses per participant | $44.89 | $116 | $196 | 22 |
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 | 32 | 34,188 | $5.33B | $101M | $145M | $113,372 | $137 |
| 2023 | 35 | 37,464 | $5.10B | $108M | $153M | $90,537 | $144 |
| 2022 | 34 | 41,505 | $4.83B | $130M | $162M | $79,726 | $104 |
| 2021 | 38 | 41,757 | $6.09B | $117M | $150M | $93,307 | $91.93 |
| 2020 | 39 | 41,408 | $5.83B | $128M | $147M | $76,909 | $85.96 |
| 2019 | 39 | 44,227 | $5.38B | $134M | $142M | $69,983 | $73.91 |
| 2018 | 36 | 43,119 | $4.59B | $139M | $131M | $57,613 | $72.86 |
| 2017 | 39 | 42,364 | $4.80B | $175M | $125M | $56,315 | $49.91 |
| 2016 | 39 | 41,713 | $4.19B | $155M | $121M | $47,391 | $54.66 |
| 2015 | 37 | 40,857 | $3.86B | $129M | $104M | $47,571 | $26.13 |
| 2014 | 39 | 37,308 | $3.79B | $109M | $87.4M | $45,880 | $42.01 |
| 2013 | 34 | 31,622 | $2.61B | $80.1M | $84.9M | $53,614 | $38.17 |
| 2012 | 36 | 36,488 | $3.07B | $107M | $78.1M | $46,019 | $38.03 |
| 2011 | 41 | 36,784 | $2.73B | $131M | $70.6M | $39,349 | $40.77 |
| 2010 | 44 | 37,681 | $2.63B | $128M | $68.9M | $39,291 | $38.20 |
| 2009 | 45 | 37,443 | $2.32B | $97.3M | $67.8M | $35,136 | $47.51 |
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 30 plans on this page's list, by number of plans. A plan usually names several providers.
Largest plans
The 30 largest by participants of 30 plans with a page on this site.
| Plan | Sponsor | State | Type | Participants | Net assets | Per participant | Employer / active | Sch. C / participant |
|---|---|---|---|---|---|---|---|---|
| The Depository Trust & Clearing Corporation Employee Savings Plan | The Depository Trust & Clearing Corporation | NJ | DC | 5,393 | $1.77B | $328,301 | $12,539 | — |
| Cbera Plan a | Cooperative Banks Employees Retirement Association | MA | DC | 5,036 | $813M | $161,493 | $5,188 | $161 |
| The Depository Trust & Clearing Corporation Retirement Plan | The Depository Trust & Clearing Corporation | NJ | DB | 4,064 | $722M | $177,732 | — | $238 |
| Employees' Stock Ownership Plan of Cenlar Capital Corporation | Cenlar Capital Corporation | NJ | DC | 3,226 | $68.7M | $21,282 | — | $15.87 |
| First Tech Federal Credit Union Employees Qualified Savings Plan | First Tech Federal Credit Union | OR | DC | 2,394 | $308M | $128,657 | $5,176 | $84.82 |
| Evercommerce Solutions, Inc. 401(k) Profit Sharing Plan | Evercommerce Solutions, Inc. | CO | DC | 2,000 | $81.1M | $40,539 | $3,137 | $189 |
| Homestreet, Inc. 401(k) Savings Plan | Homestreet, Inc. | WA | DC | 1,992 | $179M | $89,753 | $4,062 | $125 |
| Univest Financial Corporation Deferred Salary Savings Plan | Univest Financial Corporation | PA | DC | 1,133 | $121M | $107,080 | $2,324 | $165 |
| HBT Financial, Inc. Employees Profit Sharing Trust | HBT Financial, Inc. | IL | DC | 1,009 | $95.0M | $94,175 | $2,270 | $48.71 |
| Cbera Plan C | Cooperative Banks Employees Retirement Association | MA | DB | 975 | $130M | $133,249 | $3,661 | $2,017 |
| North American Credit Services, Inc. 401(k) Plan | North American Credit Services, Inc. | TN | DC | 644 | $4.8M | $7,388 | $417 | — |
| The Retirement Plan for Employees of the United States Offices of Lloyds Bank PLC | Lloyds Bank PLC | NY | DB | 620 | $122M | $197,498 | $6,477 | $1,133 |
| Minnwest Corporation 401(k) Plan | Minnwest Corporation | MN | DC | 526 | $72.5M | $137,754 | $4,246 | $225 |
| Federal Home Loan Bank of Atlanta 401(k) Savings Plan | Federal Home Loan Bank of Atlanta | GA | DC | 474 | $157M | $330,556 | $10,774 | $146 |
| Celtic Bank Corporation 401(k) Plan | Celtic Bank Corporation | UT | DC | 427 | $32.7M | $76,617 | $2,873 | $169 |
| Univest Financial Corporation Retirement Plan | Univest Financial Corporation | PA | DB | 380 | $56.8M | $149,414 | — | $52.79 |
| Ulster Savings Bank 401(k) Plan | Ulster Savings Bank | NY | DC | 376 | $64.4M | $171,371 | $5,271 | $388 |
| Minnwest Corporation Employee Stock Ownership Plan | Minnwest Corporation | MN | DC | 371 | $1.8M | $4,738 | $1,505 | — |
| Ames National Corporation 401(k) Plan | Ames National Corporation | IA | DC | 349 | $79.4M | $227,527 | $4,714 | $72.72 |
| The Glenmede Corporation Retirement Plan | The Glenmede Corporation | PA | DB | 349 | $96.9M | $277,736 | — | $1,313 |
| American Bancorporation, Inc. 401(k) Profit Sharing Plan & Trust | American Heritage Bank | OK | DC | 317 | $22.4M | $70,609 | $2,350 | $60.50 |
| Federal Home Loan Bank of Pittsburgh Defined Contribution Plan | Federal Home Loan Bank of Pittsburgh | PA | DC | 297 | $83.5M | $281,141 | $9,732 | $200 |
| Hope Enterprise Corporation, Inc. 401(k) Savings Plan | Hope Enterprise Corporation, Inc. | MS | DC | 267 | $12.9M | $48,457 | $2,110 | $74.40 |
| Gorham Savings Bank 401(k) Incentive Savings Plan | Gorham Savings Bank | ME | DC | 262 | $37.5M | $143,179 | $4,037 | $15.82 |
| Retirement Income Plan for Employees of the Clearing House Payments Company L.L.C. | The Clearing House Payments Company L.L.C. | NY | DB | 185 | $47.4M | $255,951 | — | $967 |
| The Hometown Savings Bank Employee 401(k) Plan and Trust | The Hometown Savings Bank | IN | DC | 143 | $14.5M | $101,552 | $3,688 | $108 |
| Greenfield Banking Company Employees' Pension Plan | Greenfield Banking Company | IN | DB | 130 | $25.3M | $194,688 | — | — |
| The Bank of East Asia, Limited Savings Plan | The Bank of East Asia, Limited | NY | DC | 128 | $34.7M | $271,257 | $8,444 | $74.47 |
| The Depository Trust & Clearing Corporation Operations Level Employee Savings Plan | The Depository Trust & Clearing Corporation | NJ | DC | 123 | $21.6M | $175,759 | $9,945 | — |
| Abbybank 401(k) Profit Sharing Plan | Abbybank | WI | DC | 121 | $12.1M | $99,659 | $2,778 | $321 |
By plan size
By state
Questions and answers
How many retirement plans are there in other depository credit intermediation?
32 plans with 100 or more participants filed Form 5500 for plan year 2024, out of 45 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 other depository credit intermediation?
The median defined contribution plan reported $113,372 in net assets per participant (middle half of plans: $76,617 to $175,759); 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 other depository credit intermediation?
The median defined contribution plan received $4,154 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 other depository credit intermediation?
Among defined contribution plans that report any Schedule C compensation, the median was $137 per participant and 0.09% 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.