State · sponsors with a Colorado filing address
Retirement plans in Colorado
Form 5500 filings for plan years 2009 to 2025; medians for plan year 2024.
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. A plan is counted in the state of its sponsor's address, not where its participants live.
For plan year 2024, 1,175 retirement plans based in Colorado with 100 or more participants filed Form 5500: 1,134 defined contribution and 41 defined benefit. They reported 1,405,092 participant records and $85.3B in net assets, counting every plan on the form.
The median defined contribution plan held $47,002 per participant, below the national median of $53,031, and its employer put in $2,404 per active participant (national: $2,174). Among plans reporting Schedule C compensation the median was $128 per participant against $123 nationally.
Employers contributed $2.58B and participants $4.28B during the year, and the plans paid out $10.4B in benefits.
In 2009 the same group numbered 1,173 plans with $43.3B; by 2024 it was 1,175 plans (unchanged) and $85.3B (up 97%). From plan year 2023 the 100-participant line counts participants with account balances, which moved many plans to the short form.
Beyond the full-form filers, 16,761 small plans based in Colorado filed the short Form 5500-SF for 2024, with 392,274 participants and $17.5B in net assets. Small plans are counted here and nowhere else on this site.
Medians compared with all US plans
| Median plan, plan year 2024 | CO: DC | US: DC | CO: DB | US: DB |
|---|---|---|---|---|
| Net assets per participant | $47,002 | $53,031 | $70,382 | $86,234 |
| Employer contributions per active participant | $2,404 | $2,174 | $14,004 | $10,244 |
| Schedule C compensation per participant | $128 | $123 | $365 | $344 |
| Schedule C compensation, share of net assets | 0.31% | 0.26% | 0.59% | 0.42% |
| Administrative expenses per participant | $118 | $116 | $731 | $527 |
Medians across plans with 100 or more participants (1,091 DC and 41 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 | $23,528 | $47,002 | $89,174 | 1,091 |
| Employer contributions per active participant | $1,126 | $2,404 | $4,389 | 1,056 |
| Schedule C compensation per participant | $62.43 | $128 | $247 | 1,028 |
| Administrative expenses per participant | $54.68 | $118 | $226 | 1,072 |
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 | 159 | 237,058 | $17.6B | $422M | $950M | $60,648 | $165 |
| 2024 | 1,175 | 1,405,092 | $85.3B | $2.58B | $4.28B | $47,002 | $128 |
| 2023 | 1,215 | 1,385,369 | $78.1B | $2.42B | $4.13B | $41,100 | $115 |
| 2022 | 1,385 | 1,403,155 | $66.8B | $2.28B | $3.99B | $30,234 | $111 |
| 2021 | 1,353 | 1,289,082 | $82.6B | $2.13B | $3.56B | $37,019 | $119 |
| 2020 | 1,298 | 1,269,027 | $74.2B | $2.08B | $3.07B | $35,143 | $100 |
| 2019 | 1,290 | 1,334,149 | $66.6B | $2.12B | $2.99B | $31,180 | $88.99 |
| 2018 | 1,247 | 1,301,393 | $55.6B | $2.00B | $2.76B | $26,088 | $87.26 |
| 2017 | 1,228 | 1,333,084 | $61.6B | $2.04B | $2.68B | $28,753 | $74.67 |
| 2016 | 1,236 | 1,422,368 | $59.5B | $1.94B | $2.57B | $24,776 | $61.75 |
| 2015 | 1,178 | 1,290,257 | $51.7B | $1.63B | $2.26B | $23,084 | $57.00 |
| 2014 | 1,143 | 1,216,518 | $51.0B | $1.50B | $2.05B | $25,803 | $48.77 |
| 2013 | 1,116 | 1,194,516 | $49.3B | $1.71B | $1.94B | $25,360 | $40.40 |
| 2012 | 1,101 | 1,204,188 | $42.5B | $1.65B | $1.81B | $22,128 | $34.25 |
| 2011 | 1,107 | 1,183,137 | $37.0B | $1.70B | $1.63B | $20,038 | $29.37 |
| 2010 | 1,129 | 1,240,297 | $37.3B | $1.61B | $1.58B | $20,699 | $27.32 |
| 2009 | 1,173 | 1,388,666 | $43.3B | $1.59B | $1.75B | $18,239 | $26.24 |
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 1,181 plans on this page's list, by number of plans. A plan usually names several providers.
Largest plans
The 60 largest by participants of 1,181 plans with a page on this site.
| Plan | Sponsor | Type | Participants | Net assets | Per participant | Employer / active | Sch. C / participant |
|---|---|---|---|---|---|---|---|
| Davita Retirement Savings Plan | Davita Inc. | DC | 76,313 | $4.46B | $58,400 | $1,419 | $104 |
| Rocky Mountain UFCW Unions and Employers Retail and Meat Pension Plan | Trustees of the Rocky Mountain UFCW Pension Plan C/o Zenith American S | DB | 68,000 | $1.29B | $18,938 | $1,150 | $78.83 |
| Pilgrim's Pride Retirement Savings Plan | Pilgrim's Pride Corporation | DC | 49,561 | $478M | $9,649 | $207 | $11.02 |
| JBS 401(k) Savings Plan | JBS USA Food Company Holdings | DC | 45,920 | $680M | $14,804 | $352 | $22.62 |
| Global Medical Response, Inc. 401(k) Plan | Global Medical Response, Inc. | DC | 38,087 | $1.99B | $52,174 | $1,910 | $64.81 |
| Vail Resorts 401(k) Retirement Plan | The Vail Corporation DBA Vail Associates, Inc. a Colorado Corporation | DC | 37,206 | $541M | $14,540 | $276 | $23.91 |
| Ttec 401(k) Profit Sharing Plan | Ttec Services Corporation | DC | 22,761 | $344M | $15,124 | $482 | $37.72 |
| Alterra Mountain Company U.S. Inc. 401(k) Retirement Plan | Alterra Mountain Company | DC | 21,293 | $366M | $17,181 | $515 | $23.77 |
| Dish Network Corporation 401(k) Plan | Dish Network Corporation | DC | 17,683 | $1.64B | $92,753 | $2,930 | $63.77 |
| Nutrien 401(k) Retirement Plan | Nutrien US LLC | DC | 16,683 | $1.96B | $117,510 | $6,904 | $99.91 |
| Children's Hospital Colorado 403(b) Plan | Children's Hospital Colorado | DC | 14,457 | $1.03B | $71,147 | $3,552 | $41.35 |
| Empower Retirement, LLC 401(k) Savings Plan | Empower Retirement, LLC | DC | 13,935 | $2.23B | $160,329 | $8,494 | $0.23 |
| Red Robin International, Inc. 401(k) Savings Plan | Red Robin International, Inc. | DC | 12,987 | $68.8M | $5,299 | $259 | $13.95 |
| Arcadis U.S., Inc. Retirement Savings Plan | Arcadis U.S., Inc. | DC | 11,799 | $2.26B | $191,539 | $4,384 | $57.25 |
| Ball Corporation 401(k) and Employee Stock Ownership Plan | Ball Corporation | DC | 10,576 | $2.26B | $213,633 | $4,725 | $113 |
| University of Denver Retirement Plan | University of Denver | DC | 9,905 | $909M | $91,749 | $2,275 | $43.58 |
| Ball Pension Plan | Ball Corporation | DB | 9,883 | $901M | $91,128 | — | $202 |
| Uchealth 403(b) Plan | University of Colorado Health | DC | 9,749 | $209M | $21,432 | $1,113 | $9.14 |
| Frontier Airlines, Inc. 401(k) Retirement Plan | Frontier Airlines, Inc. | DC | 8,889 | $962M | $108,215 | $8,660 | $290 |
| Woodward Retirement Savings Plan | Woodward, Inc. | DC | 8,786 | $1.97B | $223,681 | $7,566 | $128 |
| Summit Materials 401(k) Retirement Plan | Summit Materials LLC | DC | 8,381 | $469M | $55,945 | $2,179 | $68.18 |
| Core Power Yoga, LLC Employee Savings Trust | Core Power Yoga, LLC | DC | 8,216 | $4.9M | $602 | — | $0.29 |
| Arrow Electronics Savings Plan | Arrow Electronics, Inc. | DC | 8,025 | $1.47B | $182,864 | $4,393 | $146 |
| TTM Technologies 401(k) Retirement Savings Plan | TTM Technologies, Inc. | DC | 7,618 | $625M | $81,986 | $1,296 | $27.39 |
| Johns Manville Employees 401(k) Plan | Johns Manville Corporation | DC | 7,254 | $1.18B | $162,909 | $4,436 | $59.49 |
| Tarian 401(k) Plan | Tarian Group, LLC | DC | 6,979 | $8.7M | $1,245 | $0 | $12.31 |
| Sage 401(k) Retirement & Savings Plan | Sage Hospitality Resources, LLC | DC | 6,775 | $81.3M | $11,993 | $418 | $43.58 |
| Air Methods Corporation 401(k) Plan | Air Methods LLC | DC | 6,574 | $634M | $96,423 | $3,822 | $71.35 |
| Kodiak BP 401(k) Plan | Kodiak Gypsum Mountain States LLC | DC | 6,539 | $193M | $29,590 | $951 | $70.45 |
| The Gates Matchmaker Plan | Gates Corporation | DC | 6,377 | $696M | $109,189 | $4,469 | $103 |
| Medianews Group Pension Plan | Medianews Group, Inc. | DB | 6,314 | $331M | $52,449 | — | $377 |
| Maxar 401(k) Profit Sharing Plan | Maxar Technologies Inc. | DC | 6,272 | $1.32B | $211,216 | $6,046 | $36.66 |
| Ingenovis Health 401(k) Plan | U.S. Nursing Corporation | DC | 6,192 | $61.8M | $9,974 | $348 | $17.27 |
| JFC America 401(k) Plan | Jollibee Foods Corporation (USA) | DC | 5,937 | $69.4M | $11,688 | $529 | $37.73 |
| Liberty Energy Services 401(k) Savings Plan | Liberty Energy Services LLC | DC | 5,935 | $455M | $76,651 | $6,917 | $68.49 |
| Crocs, Inc. 401(k) Plan | Crocs, Inc. | DC | 5,762 | $105M | $18,276 | $1,153 | $28.15 |
| Professional Case Management 401(k) Plan | Act for Health DBA Professional Case Management | DC | 5,586 | $9.5M | $1,705 | $127 | $0.51 |
| Stonebridge Hospitality Associates, LLC 401(k) Plan | Stonebridge Hospitality Associates, LLC | DC | 5,265 | $22.5M | $4,270 | $302 | $15.23 |
| Leprino Foods Company Profit Sharing and 401(k) Plan | Leprino Foods Company | DC | 5,250 | $673M | $128,283 | $3,991 | $73.05 |
| Nrel 403(b) Employee Savings Plan | Alliance for Sustainable Energy, LLC | DC | 5,226 | $625M | $119,613 | $2,728 | $104 |
| Vitamin Cottage Employee 401(k) Plan | Vitamin Cottage Natural Food Markets, Inc. | DC | 5,121 | $73.2M | $14,291 | $377 | $76.93 |
| National Laboratory of the Rockies Shared Security Pension Plan | Alliance for Energy Innovation, LLC | DB | 5,033 | $436M | $86,538 | $9,890 | $260 |
| Wendy's of Colorado Springs 401(k) Plan | Wendy's of Colorado Springs, Inc. | DC | 5,031 | $9.2M | $1,826 | $96 | $18.16 |
| Wilbur-Ellis 401(k) Plan | Wilbur-Ellis Holdings, Inc. | DC | 4,782 | $398M | $83,236 | $3,389 | $49.49 |
| Modivcare Solutions, LLC Retirement Plan | Modivcare Solutions, LLC | DC | 4,751 | $86.8M | $18,277 | $2,050 | $52.81 |
| Western Veterinary Partners LLC | WVP of Washington PC | DC | 4,739 | $38.2M | $8,053 | — | $32.55 |
| Aspen Skiing Company Savings Plan | Aspen Skiing Company | DC | 4,586 | $182M | $39,707 | $476 | $6.13 |
| American Furniture Warehouse 401(k) Plan | American Furniture Warehouse | DC | 4,574 | $96.0M | $20,998 | $621 | $31.83 |
| Ucar Retirement Plan | University Corporation for Atmospheric Research | DC | 4,530 | $1.23B | $271,647 | $9,461 | $73.66 |
| Hensel Phelps Salary Retirement Plan | Hensel Phelps Construction Co. | DC | 4,476 | $646M | $144,237 | $9,334 | $57.45 |
| 403 (B) Retirement Plan | National Jewish Health | DC | 4,474 | $356M | $79,558 | $2,948 | $52.33 |
| Sagility 401(k) Plan | Sagility Operations Inc. | DC | 4,463 | $31.1M | $6,972 | $242 | $140 |
| Firstbank Holding Company Savings and ESOP | Firstbank Holding Company | DC | 4,377 | $651M | $148,795 | $5,832 | $45.47 |
| Media News Group Retirement/savings Plan | Media News Group, Inc. | DC | 4,357 | $335M | $76,849 | $55 | $77.29 |
| Northwood 401(k) Savings Plan | Northwood Investors LLC | DC | 4,346 | $74.1M | $17,044 | $742 | $33.16 |
| Noodles & Company 401(k) Plan | Noodles & Company | DC | 4,240 | $25.5M | $6,005 | $96 | $49.77 |
| Zayo Group Holdings, Inc. 401(k) Plan | Zayo Group Holdings, Inc. | DC | 4,200 | $357M | $85,083 | $3,572 | $101 |
| United Launch Alliance 401(k) Savings and Retirement Plan | United Launch Alliance, LLC | DC | 4,061 | $1.01B | $249,840 | $11,290 | $241 |
| Ball Corporation Consolidated Hourly Pension Plan | Ball Corporation | DB | 3,933 | $165M | $41,886 | $7,502 | $175 |
| Palantir Technologies 401(k) Plan | Palantir Technologies Inc. | DC | 3,810 | $393M | $103,237 | $0 | $44.47 |
By plan size
By industry
By plan year
Questions and answers
How many retirement plans are there in Colorado?
1,175 plans with 100 or more participants filed Form 5500 for plan year 2024, out of 2,651 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 Colorado?
The median defined contribution plan reported $47,002 in net assets per participant (middle half of plans: $23,528 to $89,174); 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 Colorado?
The median defined contribution plan received $2,404 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 Colorado?
Among defined contribution plans that report any Schedule C compensation, the median was $128 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 and Form 5500-SF 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.