State · sponsors with a Florida filing address
Retirement plans in Florida
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, 3,082 retirement plans based in Florida with 100 or more participants filed Form 5500: 2,950 defined contribution and 132 defined benefit. They reported 5,510,488 participant records and $304.6B in net assets, counting every plan on the form.
The median defined contribution plan held $36,428 per participant, well below the national median of $53,031, and its employer put in $1,726 per active participant (national: $2,174). Among plans reporting Schedule C compensation the median was $112 per participant against $123 nationally.
Employers contributed $7.88B and participants $14.2B during the year, and the plans paid out $29.5B in benefits.
In 2009 the same group numbered 2,874 plans with $77.1B; by 2024 it was 3,082 plans (up 7%) and $304.6B (up 295%). 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, 44,064 small plans based in Florida filed the short Form 5500-SF for 2024, with 1,007,995 participants and $48.9B 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 | FL: DC | US: DC | FL: DB | US: DB |
|---|---|---|---|---|
| Net assets per participant | $36,428 | $53,031 | $83,363 | $86,234 |
| Employer contributions per active participant | $1,726 | $2,174 | $7,529 | $10,244 |
| Schedule C compensation per participant | $112 | $123 | $348 | $344 |
| Schedule C compensation, share of net assets | 0.34% | 0.26% | 0.44% | 0.42% |
| Administrative expenses per participant | $107 | $116 | $456 | $527 |
Medians across plans with 100 or more participants (2,812 DC and 132 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 | $17,401 | $36,428 | $70,032 | 2,812 |
| Employer contributions per active participant | $804 | $1,726 | $3,238 | 2,671 |
| Schedule C compensation per participant | $48.71 | $112 | $200 | 2,602 |
| Administrative expenses per participant | $44.86 | $107 | $198 | 2,747 |
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 | 387 | 499,576 | $31.6B | $742M | $1.79B | $47,153 | $137 |
| 2024 | 3,082 | 5,510,488 | $304.6B | $7.88B | $14.2B | $36,428 | $112 |
| 2023 | 3,030 | 5,611,846 | $280.0B | $7.87B | $14.5B | $32,549 | $94.77 |
| 2022 | 3,570 | 5,479,917 | $245.9B | $7.13B | $13.2B | $24,701 | $86.08 |
| 2021 | 3,408 | 5,291,845 | $276.6B | $6.42B | $12.0B | $29,613 | $91.51 |
| 2020 | 3,351 | 4,862,138 | $240.0B | $4.85B | $10.3B | $27,534 | $79.66 |
| 2019 | 3,287 | 5,011,115 | $216.2B | $5.29B | $9.56B | $24,190 | $67.66 |
| 2018 | 3,151 | 4,757,327 | $172.9B | $4.90B | $8.65B | $21,252 | $59.63 |
| 2017 | 3,053 | 4,307,352 | $172.3B | $4.84B | $7.36B | $23,148 | $49.30 |
| 2016 | 2,934 | 4,300,411 | $155.6B | $5.31B | $6.99B | $20,816 | $40.29 |
| 2015 | 2,856 | 4,044,595 | $140.9B | $4.11B | $6.29B | $19,599 | $37.18 |
| 2014 | 2,799 | 3,896,562 | $137.7B | $3.79B | $5.61B | $20,293 | $34.39 |
| 2013 | 2,744 | 3,627,085 | $119.0B | $3.41B | $4.96B | $20,090 | $31.21 |
| 2012 | 2,714 | 3,659,641 | $100.8B | $3.22B | $4.51B | $17,497 | $29.67 |
| 2011 | 2,689 | 3,431,790 | $89.2B | $3.11B | $4.13B | $16,231 | $30.47 |
| 2010 | 2,767 | 3,342,945 | $87.4B | $2.84B | $3.88B | $16,526 | $30.25 |
| 2009 | 2,874 | 3,360,556 | $77.1B | $2.67B | $3.68B | $14,268 | $28.45 |
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 3,089 plans on this page's list, by number of plans. A plan usually names several providers.
Largest plans
The 60 largest by participants of 3,089 plans with a page on this site.
| Plan | Sponsor | Type | Participants | Net assets | Per participant | Employer / active | Sch. C / participant |
|---|---|---|---|---|---|---|---|
| ADP Totalsource Retirement Savings Plan | ADP Totalsource Group, Inc. | DC | 335,802 | $9.19B | $27,367 | $1,268 | $76.44 |
| Publix Super Markets, Inc. 401(k) Smart Plan | Publix Super Markets, Inc. | DC | 239,138 | $8.06B | $33,687 | $239 | $12.19 |
| Publix Super Markets, Inc. Employee Stock Ownership Plan & Trust | Publix Super Markets, Inc. | DC | 214,426 | $14.3B | $66,626 | — | — |
| Darden Savings Plan | Darden Restaurants, Inc. | DC | 210,222 | $1.59B | $7,540 | $222 | $8.48 |
| Oasis Retirement Savings Plan | Oasis Outsourcing Holdings, Inc. and Its Affiliates | DC | 116,682 | $2.13B | $18,224 | $840 | $75.97 |
| Coadvantage Corporation Retirement Savings Plan | Coadvantage Corporation | DC | 84,855 | $1.23B | $14,536 | $585 | $52.70 |
| Savings Plan for Employees and Partners of PWC | PWC US Group LLP | DC | 78,776 | $13.2B | $167,146 | $2,096 | — |
| L3HARRIS Retirement Savings Plan | L3HARRIS Technologies, Inc. | DC | 74,641 | $16.3B | $218,559 | $10 | — |
| The Adecco Group 401(k) Plan | Adecco, Inc. | DC | 70,422 | $874M | $12,416 | $106 | $16.58 |
| Retirement Wealth Builder Plan of PWC | PWC US Group LLP | DC | 67,946 | $5.70B | $83,955 | $9,472 | — |
| L3HARRIS Technologies Consolidated Pension Plan | L3HARRIS Technologies, Inc. | DB | 56,703 | $7.59B | $133,943 | $5,637 | — |
| Orlando Health Retirement Savings Plan 403(b) | Orlando Health, Inc. | DC | 55,514 | $1.91B | $34,484 | $2,171 | $27.73 |
| Acosta, Inc. 401(k) Retirement Plan | Acosta, Inc. | DC | 54,936 | $839M | $15,270 | $252 | $13.21 |
| Engage PEO Retirement Savings Plan | The S2 HR Group, LLC | DC | 40,710 | $1.04B | $25,521 | $1,183 | $99.19 |
| Baycare Health System Retirement Plan | Baycare Health System | DC | 40,015 | $3.11B | $77,799 | $2,861 | $40.21 |
| Baptist Health South Florida, Inc. 403(b) Employee Retirement Plan | Baptist Health South Florida, Inc. | DC | 35,472 | $2.66B | $75,091 | $3,638 | $75.12 |
| Fidelity National Information Services, Inc. 401(k) Profit Sharing Plan | Fidelity National Information Services, Inc. | DC | 30,287 | $4.67B | $154,246 | $3,276 | $43.42 |
| The Mastec, Inc. 401(k) Retirement Plan | Mastec, Inc. | DC | 29,923 | $918M | $30,666 | $1,524 | $36.73 |
| Nextera Energy, Inc. Employee Pension Plan | Nextera Energy, Inc. | DB | 29,209 | $5.11B | $174,847 | — | $1,502 |
| Autonation 401(k) Plan | Autonation, Inc. | DC | 28,688 | $1.27B | $44,209 | $1,090 | $65.68 |
| Restaurant Brands International Savings Plan | Restaurant Brands International | DC | 26,777 | $193M | $7,189 | $274 | $0.39 |
| Adt Security Corporation Retirement Savings and Investment Plan | Adt LLC | DC | 26,304 | $1.26B | $47,877 | $1,858 | $34.85 |
| Southeastern Grocers 401(k) Savings Plan | Southeastern Grocers LLC | DC | 26,265 | $941M | $35,836 | $502 | $33.33 |
| SWBG, LLC 401(k) Plan | SWBG, LLC | DC | 25,070 | $269M | $10,745 | $103 | $18.49 |
| The Odp Corporation Retirement Savings Plan | Odp International, LLC | DC | 24,429 | $1.33B | $54,529 | $816 | $48.54 |
| Universal Orlando 401(k) Retirement Plan | Universal City Development Partners, Ltd. Universal Orlando | DC | 24,228 | $834M | $34,420 | $1,934 | $15.14 |
| The Fidelity National Financial Group 401(k) Profit Sharing Plan | Fidelity National Financial, Inc. | DC | 23,858 | $3.34B | $139,978 | $2,713 | $51.25 |
| CSX Corporation Capital Builder Plan | CSX Corporation | DC | 22,902 | $1.54B | $67,078 | $366 | $120 |
| Southern Glazer's 401(k) Plan | Southern Glazer's Wine and Spirits, LLC | DC | 22,224 | $2.07B | $93,189 | $2,463 | $60.18 |
| Cross Country Healthcare, Inc. 401(k) Plan | Cross Country Healthcare | DC | 22,195 | $218M | $9,833 | $77 | $28.66 |
| Nextera Energy, Inc. Employee Retirement Savings Plan | Nextera Energy, Inc. | DC | 22,082 | $5.48B | $248,295 | $4,963 | $149 |
| HGV Retirement Savings Plan | Hilton Resorts Corporation | DC | 22,047 | $706M | $32,005 | $2,217 | $54.68 |
| Hertz Corporation Income Savings Plan | The Hertz Corporation | DC | 21,322 | $638M | $29,912 | $1,020 | $28.02 |
| Dycom Industries, Inc. Retirement Savings Plan | Dycom Industries, Inc. | DC | 20,650 | $468M | $22,646 | $714 | $24.47 |
| Lee Health System 403(b) Retirement Plan | Lee Health System, Inc. | DC | 19,783 | $1.28B | $64,736 | $313 | $9.36 |
| University of Miami Retirement Savings Plan | University of Miami | DC | 19,738 | $2.07B | $104,932 | $8,404 | $67.32 |
| The Dun & Bradstreet Corporation Retirement Account | The Dun & Bradstreet Corporation | DB | 19,635 | $994M | $50,620 | — | $147 |
| Topbuild Corp. 401(k) Plan | Topbuild Corp. | DC | 19,361 | $695M | $35,880 | $1,398 | $58.56 |
| Raymond James Financial, Inc. 401(k) Plan | Raymond James Financial, Inc. | DC | 18,916 | $3.33B | $176,060 | $876 | $33.44 |
| Chewy 401(k) Plan | Chewy, Inc. | DC | 18,769 | $315M | $16,783 | $902 | $31.91 |
| Baptist Health System, Inc. Matched Savings Plan | Baptist Health System, Inc. | DC | 18,620 | $783M | $42,042 | $2,276 | $45.40 |
| Raymond James Financial, Inc. & Affiliates Profit Sharing Plan | Raymond James Financial, Inc. | DC | 18,022 | $1.35B | $74,739 | $7,487 | $29.29 |
| Raymond James Financial, Inc. & Affiliates Employee Stock Ownership Plan | Raymond James Financial, Inc. | DC | 18,007 | $1.13B | $62,772 | $2,702 | $32.18 |
| Techtronic Industries 401(k) Retirement Plan | Techtronic Industries North America, Inc. | DC | 17,979 | $961M | $53,427 | $2,636 | $75.19 |
| The Geo Save 401(k) Plan | The Geo Group, Inc. | DC | 17,624 | $321M | $18,211 | $630 | $39.33 |
| Lennar Corporation 401(k) Plan | Lennar Corporation | DC | 17,493 | $1.62B | $92,484 | $5,497 | $26.11 |
| Florida Health Sciences Center 403(b) Savings Plan | Florida Health Sciences Center, Inc. | DC | 17,449 | $768M | $44,030 | $2,618 | $2.85 |
| Seminole Indian Casino 401(k) Plan | Seminole Tribe of Florida | DC | 17,330 | $396M | $22,837 | $878 | $45.89 |
| Firstservice Residential 401(k) Plan | Firstservice Residential, Inc. | DC | 17,112 | $383M | $22,401 | $557 | $33.39 |
| The Hertz Corporation Account Balance Defined Benefit Pension Plan | The Hertz Corporation | DB | 17,012 | $325M | $19,083 | $3,427 | $116 |
| Travel + Leisure Co. Employee Savings Plan | Travel + Leisure Co. | DC | 16,663 | $962M | $57,746 | $2,359 | $52.02 |
| The Nemours Foundation Section 403(b) Plan | The Nemours Foundation | DC | 16,384 | $1.31B | $80,195 | $5,705 | $76.69 |
| Kforce 401(k) Retirement Savings Plan | Kforce Inc. | DC | 16,302 | $283M | $17,346 | $134 | $22.84 |
| Hard Rock Futurecare 401(k) Plan | Seminole Hard Rock Entertainment, Inc. Hard Rock International | DC | 16,256 | $255M | $15,678 | $577 | $30.64 |
| DHL Retirement Savings Plan | DPWN Holdings USA, Inc. | DC | 15,935 | $1.36B | $85,452 | $4,354 | $51.86 |
| Shands Healthcare Matched Savings Account 403(b) | Shands Teaching Hospital and Clinics, Inc. | DC | 15,926 | $625M | $39,224 | — | $45.52 |
| Brown & Brown, Inc. Employee Savings Plan | Brown & Brown, Inc. | DC | 15,728 | $1.99B | $126,280 | $3,792 | $55.23 |
| First Watch 401(k) Savings Plan | First Watch Restaurants, Inc. | DC | 15,597 | $48.4M | $3,103 | $153 | $15.11 |
| Siemens Energy, Inc. Savings Plan | Siemens Energy, Inc. | DC | 15,538 | $3.95B | $254,169 | $8,564 | $403 |
| Retirement Benefit Accumulation Plan for Employees of PWC | PWC US Group LLP | DB | 15,528 | $1.93B | $124,495 | $310 | $84.20 |
By plan size
By industry
By plan year
Questions and answers
How many retirement plans are there in Florida?
3,082 plans with 100 or more participants filed Form 5500 for plan year 2024, out of 6,476 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 Florida?
The median defined contribution plan reported $36,428 in net assets per participant (middle half of plans: $17,401 to $70,032); 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 Florida?
The median defined contribution plan received $1,726 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 Florida?
Among defined contribution plans that report any Schedule C compensation, the median was $112 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 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.