State · sponsors with a Georgia filing address
Retirement plans in Georgia
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.
1,871 retirement plans based in Georgia with 100 or more participants filed Form 5500 for plan year 2024 (1,754 defined contribution, 117 defined benefit). All Form 5500 pension filers in the group reported 5,705,068 participant records and $410.8B in net assets.
The median defined contribution plan held $49,633 per participant, below the national median of $53,031, and its employer put in $2,137 per active participant (national: $2,174). Among plans reporting Schedule C compensation the median was $116 per participant against $123 nationally.
Employers contributed $10.1B and participants $13.1B during the year, and the plans paid out $35.1B in benefits.
In 2009 the same group numbered 1,984 plans with $135.2B; by 2024 it was 1,871 plans (down 6%) and $410.8B (up 204%). 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, 19,196 small plans based in Georgia filed the short Form 5500-SF for 2024, with 490,169 participants and $26.4B 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 | GA: DC | US: DC | GA: DB | US: DB |
|---|---|---|---|---|
| Net assets per participant | $49,633 | $53,031 | $78,640 | $86,234 |
| Employer contributions per active participant | $2,137 | $2,174 | $12,388 | $10,244 |
| Schedule C compensation per participant | $116 | $123 | $275 | $344 |
| Schedule C compensation, share of net assets | 0.26% | 0.26% | 0.33% | 0.42% |
| Administrative expenses per participant | $109 | $116 | $516 | $527 |
Medians across plans with 100 or more participants (1,680 DC and 117 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 | $24,096 | $49,633 | $92,596 | 1,680 |
| Employer contributions per active participant | $979 | $2,137 | $3,873 | 1,615 |
| Schedule C compensation per participant | $51.94 | $116 | $209 | 1,579 |
| Administrative expenses per participant | $46.65 | $109 | $208 | 1,622 |
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 | 251 | 1,022,288 | $60.3B | $1.36B | $2.61B | $65,081 | $137 |
| 2024 | 1,871 | 5,705,068 | $410.8B | $10.1B | $13.1B | $49,633 | $116 |
| 2023 | 1,904 | 5,523,419 | $362.1B | $8.77B | $12.1B | $43,130 | $97.00 |
| 2022 | 2,181 | 5,653,541 | $331.8B | $8.17B | $11.0B | $32,407 | $95.03 |
| 2021 | 2,159 | 5,512,224 | $397.0B | $8.79B | $10.0B | $40,295 | $93.12 |
| 2020 | 2,155 | 5,437,405 | $364.0B | $9.13B | $9.30B | $36,107 | $82.37 |
| 2019 | 2,095 | 5,308,857 | $323.4B | $9.40B | $8.85B | $32,119 | $78.51 |
| 2018 | 2,029 | 5,102,940 | $264.7B | $8.78B | $7.82B | $27,652 | $71.26 |
| 2017 | 1,980 | 4,981,317 | $273.4B | $14.0B | $7.15B | $29,745 | $60.24 |
| 2016 | 1,946 | 4,973,926 | $250.3B | $12.4B | $7.08B | $26,027 | $48.23 |
| 2015 | 1,916 | 4,944,973 | $231.3B | $11.1B | $6.63B | $24,200 | $40.66 |
| 2014 | 1,881 | 4,820,508 | $224.1B | $7.40B | $5.90B | $26,165 | $37.02 |
| 2013 | 1,871 | 4,406,444 | $188.1B | $5.67B | $5.39B | $26,193 | $33.70 |
| 2012 | 1,841 | 4,597,838 | $176.6B | $7.85B | $4.93B | $22,034 | $33.29 |
| 2011 | 1,863 | 4,240,773 | $166.1B | $7.65B | $4.81B | $21,023 | $32.65 |
| 2010 | 1,877 | 4,370,150 | $158.1B | $8.67B | $4.35B | $21,014 | $32.21 |
| 2009 | 1,984 | 4,387,948 | $135.2B | $5.92B | $4.21B | $18,219 | $29.69 |
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 1,878 plans on this page's list, by number of plans. A plan usually names several providers.
Largest plans
The 60 largest by participants of 1,878 plans with a page on this site.
| Plan | Sponsor | Type | Participants | Net assets | Per participant | Employer / active | Sch. C / participant |
|---|---|---|---|---|---|---|---|
| The Teamster - UPS National 401(k) Tax Deferred Savings Plan | Board of Trustees of the Teamsters - UPS 401(k) National Savings Plan | DC | 478,185 | $19.3B | $40,377 | — | $13.33 |
| The Home Depot Futurebuilder | The Home Depot, Inc. | DC | 468,817 | $15.7B | $33,465 | $672 | $43.78 |
| UFCW Consolidated Pension Fund | BD of Trustees UFCW Consolidated Pension Fund | DB | 347,574 | $5.53B | $15,921 | $365 | $73.60 |
| UPS Pension Plan | United Parcel Service of America, Inc. | DB | 246,785 | $9.28B | $37,605 | $1,940 | $13.07 |
| UPS Retirement Plan | United Parcel Service of America, Inc. | DB | 144,570 | $21.2B | $146,894 | $4,836 | $59.06 |
| UPS 401(k) Savings Plan | United Parcel Service of America, Inc. | DC | 134,811 | $14.2B | $105,245 | $7,375 | $107 |
| Delta 401(k) Retirement Plan | Delta Air Lines, Inc. | DC | 112,027 | $19.0B | $169,469 | $6,730 | $106 |
| Ups/ibt Full-Time Employee Pension Plan | Board of Trustees of the Ups/ibt Full-Time Pension Plan | DB | 102,332 | $12.2B | $119,410 | $9,225 | $26.36 |
| Randstad North America 401(k) Plan | Randstad North America | DC | 90,250 | $674M | $7,471 | $51 | $10.86 |
| Delta Retirement Plan | Delta Air Lines, Inc. | DB | 81,907 | $7.25B | $88,455 | — | $17.38 |
| Cox Enterprises, Inc. 401(k) Plan | Cox Enterprises, Inc. | DC | 62,062 | $8.13B | $131,016 | $5,212 | $87.97 |
| The Southern Company Pension Plan | Southern Company Services, Inc. | DB | 58,166 | $15.0B | $257,844 | — | $1,126 |
| CRH Americas 401(k) Plan | CRH | DC | 55,484 | $4.79B | $86,312 | $2,973 | $27.75 |
| Ryder System, Inc. 401(k) Savings Plan | Ryder System, Inc. | DC | 51,723 | $2.66B | $51,353 | $1,031 | $23.80 |
| Cox Enterprises, Inc. Pension Plan | Cox Enterprises, Inc. | DB | 51,142 | $7.13B | $139,479 | $3,534 | $458 |
| Emory Healthcare, Inc. Retirement Savings and Matching Plan | Emory Healthcare, Inc. | DC | 49,944 | $2.77B | $55,473 | $2,456 | $1.40 |
| The Coca-Cola Company Pension Plan | The Coca-Cola Company | DB | 48,892 | $3.84B | $78,640 | — | — |
| Wellstar Health System, Inc. Supplemental Retirement Savings Plan | Wellstar Health System, Inc. | DC | 48,753 | $2.84B | $58,184 | $4,297 | $45.15 |
| Piedmont Healthcare, Inc. 401(k) Tomorrowplan | Piedmont Healthcare, Inc. | DC | 47,001 | $2.86B | $60,871 | $2,997 | $37.38 |
| Westrock Company 401(k) Retirement Savings Plan | Westrock Company | DC | 45,282 | $4.98B | $110,014 | $4,837 | $72.95 |
| Inspire Brands, Inc. 401(k) Retirement Plan | Irb Holding Corporation | DC | 43,661 | $596M | $13,660 | $478 | $16.76 |
| Northwest Airlines Pension Plan for Contract Employees | Delta Air Lines, Inc. | DB | 42,802 | $3.95B | $92,345 | $2,189 | $8.97 |
| Genuine Parts Company 401(k) Savings Plan | Genuine Parts Company | DC | 42,220 | $2.88B | $68,313 | $2,613 | $94.98 |
| Northside Hospital 403(b) Retirement Plan | Northside Hospital, Inc. | DC | 41,743 | $1.79B | $42,823 | $704 | $40.94 |
| Emory University Retirement Plan | Emory University Division of Human Resources | DC | 40,652 | $5.54B | $136,274 | $5,810 | $6.29 |
| Innova Solutions, Inc. Retirement Savings Plan | Innova Solutions, Inc. | DC | 40,018 | $349M | $8,715 | — | $18.11 |
| Insight Global, LLC 401(k) Plan | Insight Global, LLC | DC | 37,561 | $487M | $12,962 | $40 | $20.08 |
| The Southern Company Employee Savings Plan | Southern Company Services, Inc. | DC | 35,609 | $9.30B | $261,172 | $4,817 | $46.76 |
| Georgia-Pacific LLC Hourly Pension Plan | Georgia-Pacific LLC | DB | 34,047 | $3.17B | $92,995 | — | $62.73 |
| Unifi Aviation 401(k) Retirement Plan | Unifi Aviation, LLC | DC | 33,875 | $121M | $3,572 | $118 | $9.72 |
| Northside Hospital, Inc. Pension Plan | Northside Hospital, Inc. | DB | 30,805 | $1.68B | $54,686 | $3,484 | — |
| Aveanna Healthcare 401(k) Plan | Aveanna Healthcare | DC | 30,374 | $285M | $9,394 | $281 | $27.93 |
| Pruitthealth, Inc. Employees 401(k) Plan and Hero Fund | Pruitthealth, Inc. | DC | 28,935 | $267M | $9,226 | $142 | $46.16 |
| Wayne-Sanderson Farms 401(k) Retirement Plan | Wayne Farms LLC | DC | 28,874 | $596M | $20,631 | $1,367 | $87.61 |
| Aon Savings Plan | Aon Corporation | DC | 24,731 | $6.59B | $266,398 | $8,152 | $64.75 |
| Brand Share 401(k) Savings & Profit Sharing Plan | Brand Services, LLC | DC | 23,948 | $356M | $14,867 | $689 | $26.23 |
| Georgia-Pacific LLC 401(k) Retirement Savings Plan | Georgia-Pacific LLC | DC | 22,298 | $4.72B | $211,725 | $7,669 | $82.92 |
| Voya Retirement Plan | Voya Services Company | DB | 22,076 | $1.77B | $80,352 | — | $150 |
| Childrens Healthcare of Atlanta Inc. Share Plan | Childrens Healthcare of Atlanta Inc. | DC | 21,645 | $1.47B | $67,829 | $2,392 | $66.39 |
| Rollins 401(k) Savings Plan | Rollins, Inc. & Subsidiaries | DC | 21,287 | $1.15B | $53,845 | $2,008 | $44.23 |
| Wellstar Health System, Inc. Pension Plan | Wellstar Health System, Inc. | DB | 21,242 | $1.50B | $70,490 | $2 | $411 |
| Georgia-Pacific LLC Hourly 401(k) Plan | Georgia-Pacific LLC | DC | 20,790 | $1.49B | $71,463 | $2,631 | $89.91 |
| The Coca-Cola Company 401(k) Plan | The Coca-Cola Company | DC | 20,371 | $3.79B | $185,946 | $5,541 | — |
| Newell Brands Employee Savings Plan | Newell Operating Company | DC | 19,821 | $1.76B | $88,721 | $3,856 | $62.08 |
| Childrens Healthcare of Atlanta Growth Plan | Childrens Healthcare of Atlanta Inc. | DC | 19,606 | $391M | $19,932 | $2,041 | $38.40 |
| Gentiva 401(k) Plan | Curo Health Services, LLC | DC | 19,591 | $301M | $15,368 | $711 | $26.48 |
| Shaw Industries Group, Inc. Retirement Savings Plan | Shaw Industries Group, Inc. | DC | 19,575 | $1.74B | $89,044 | $2,140 | $113 |
| Gray Media 401(k) Savings Plan | Gray Media, Inc. | DC | 19,489 | $764M | $39,191 | $2,115 | $65.05 |
| Wellstar Health System, Inc. Active Employees Retirement Plan B | Wellstar Health System, Inc. | DB | 18,563 | $620M | $33,394 | — | $91.04 |
| US LBM Holdings, LLC 401(k) Plan | US LBM, LLC | DC | 17,809 | $620M | $34,835 | $1,092 | $65.64 |
| Delta 401(k) Retirement Plan for Pilots | Delta Air Lines, Inc. | DC | 17,776 | $15.9B | $896,057 | $49,209 | $402 |
| Asbury Automotive Retirement Savings Plan | Asbury Automotive Group LLC | DC | 17,529 | $741M | $42,283 | $1,197 | $6.16 |
| Global Payments Inc. 401(k) Plan | Global Payments Inc. | DC | 17,044 | $2.58B | $151,144 | $4,520 | $44.72 |
| The Coca-Cola Bottlers' Association 401(k) Retirement Savings Plan | The Coca-Cola Bottlers Association | DC | 16,979 | $962M | $56,633 | $2,012 | $77.77 |
| Ihg 401(k) Savings and Retirement Plan | Six Continents Hotels, Inc. | DC | 16,442 | $1.27B | $77,500 | $2,587 | $36.09 |
| Saia Motor Freight Line, LLC 401(k) Plan | Saia Motor Freight Line, LLC | DC | 16,292 | $670M | $41,112 | $1,273 | $26.17 |
| National Vision, Inc. 401(k) Retirement Savings Plan | National Vision, Inc. | DC | 16,003 | $235M | $14,672 | $363 | $62.18 |
| Genuine Parts Company Pension Plan | Genuine Parts Company | DB | 15,587 | $1.96B | $125,878 | — | $369 |
| Delta Air Lines, Inc. Market Based Cash Balance Plan | Delta Air Lines, Inc. | DB | 14,972 | $357M | $23,823 | $17,179 | — |
| Republic National 401(k) Plan | Republic National Distributing Company | DC | 14,821 | $1.50B | $100,883 | $2,415 | $94.28 |
By plan size
By industry
By plan year
Questions and answers
How many retirement plans are there in Georgia?
1,871 plans with 100 or more participants filed Form 5500 for plan year 2024, out of 3,565 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 Georgia?
The median defined contribution plan reported $49,633 in net assets per participant (middle half of plans: $24,096 to $92,596); 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 Georgia?
The median defined contribution plan received $2,137 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 Georgia?
Among defined contribution plans that report any Schedule C compensation, the median was $116 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 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.