State · sponsors with a Idaho filing address
Retirement plans in Idaho
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, 318 retirement plans based in Idaho with 100 or more participants filed Form 5500: 302 defined contribution and 16 defined benefit. They reported 373,801 participant records and $29.7B in net assets, counting every plan on the form.
The median defined contribution plan held $41,484 per participant, well below the national median of $53,031, and its employer put in $1,970 per active participant (national: $2,174). Among plans reporting Schedule C compensation the median was $147 per participant against $123 nationally.
Employers contributed $735M and participants $1.08B during the year, and the plans paid out $2.52B in benefits.
In 2009 the same group numbered 260 plans with $11.5B; by 2024 it was 318 plans (up 22%) and $29.7B (up 158%). 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, 3,280 small plans based in Idaho filed the short Form 5500-SF for 2024, with 89,832 participants and $4.22B 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 | ID: DC | US: DC | ID: DB | US: DB |
|---|---|---|---|---|
| Net assets per participant | $41,484 | $53,031 | $77,351 | $86,234 |
| Employer contributions per active participant | $1,970 | $2,174 | $7,057 | $10,244 |
| Schedule C compensation per participant | $147 | $123 | $300 | $344 |
| Schedule C compensation, share of net assets | 0.38% | 0.26% | 0.38% | 0.42% |
| Administrative expenses per participant | $124 | $116 | $445 | $527 |
Medians across plans with 100 or more participants (272 DC and 16 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 | $22,496 | $41,484 | $73,940 | 272 |
| Employer contributions per active participant | $963 | $1,970 | $3,570 | 266 |
| Schedule C compensation per participant | $73.60 | $147 | $253 | 236 |
| Administrative expenses per participant | $58.58 | $124 | $239 | 257 |
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 | 48 | 47,223 | $7.06B | $173M | $290M | $60,226 | $160 |
| 2024 | 318 | 373,801 | $29.7B | $735M | $1.08B | $41,484 | $147 |
| 2023 | 325 | 358,141 | $27.1B | $784M | $988M | $37,388 | $123 |
| 2022 | 364 | 356,739 | $23.4B | $764M | $933M | $26,736 | $109 |
| 2021 | 336 | 339,822 | $26.0B | $769M | $854M | $32,486 | $124 |
| 2020 | 346 | 328,313 | $24.5B | $755M | $755M | $30,198 | $103 |
| 2019 | 331 | 321,141 | $21.1B | $679M | $667M | $27,380 | $101 |
| 2018 | 307 | 301,684 | $18.2B | $536M | $598M | $23,312 | $92.15 |
| 2017 | 284 | 287,674 | $18.6B | $593M | $620M | $24,296 | $89.74 |
| 2016 | 278 | 369,864 | $19.4B | $509M | $559M | $22,663 | $71.64 |
| 2015 | 280 | 326,535 | $18.5B | $461M | $534M | $21,524 | $60.87 |
| 2014 | 269 | 289,265 | $16.8B | $520M | $511M | $23,916 | $56.51 |
| 2013 | 261 | 295,560 | $15.7B | $421M | $449M | $22,894 | $48.68 |
| 2012 | 252 | 225,349 | $8.53B | $363M | $329M | $20,541 | $47.58 |
| 2011 | 256 | 239,085 | $12.1B | $455M | $341M | $19,104 | $35.60 |
| 2010 | 242 | 223,823 | $10.7B | $408M | $362M | $20,013 | $39.00 |
| 2009 | 260 | 269,952 | $11.5B | $449M | $369M | $17,117 | $30.98 |
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 323 plans on this page's list, by number of plans. A plan usually names several providers.
Largest plans
The 60 largest by participants of 323 plans with a page on this site.
| Plan | Sponsor | Type | Participants | Net assets | Per participant | Employer / active | Sch. C / participant |
|---|---|---|---|---|---|---|---|
| Winco Foods 401(k) Plan | Winco Holdings, Inc. | DC | 34,166 | $289M | $8,471 | — | $30.98 |
| Winco Employee Stock Ownership Plan | Winco Holdings, Inc. | DC | 27,111 | $5.05B | $186,097 | $1,497 | $3.42 |
| St. Luke's Health System Performance Incentive and 401(a) Matching Plan | St. Luke's Health System, Ltd. | DC | 26,095 | $770M | $29,503 | $3,460 | $35.61 |
| St. Lukes Health System Matched 403(b) Plan | St. Luke's Health System, Ltd. | DC | 22,859 | $1.14B | $50,061 | — | $37.35 |
| Micron Technology Inc. Retirement at Micron (Ram) Plan | Micron Technology, Inc. | DC | 15,548 | $4.43B | $284,938 | $7,822 | $90.32 |
| Simplot Retirement Savings Plan | J.R. Simplot Company, LLC | DC | 12,751 | $1.80B | $141,032 | $7,560 | $79.74 |
| Idaho National Laboratory Employee Investment Plan | Battelle Energy Alliance, LLC and Idaho Environmental Coalition, LLC | DC | 9,017 | $2.55B | $282,642 | $10,181 | $120 |
| Shaws Supermarkets, Inc. Pension Plan for Union Employees | Shaws Supermarkets Inc. | DB | 7,531 | $229M | $30,472 | $2,030 | $169 |
| Idaho National Laboratory Employee Retirement Plan | Battelle Energy Alliance, LLC | DB | 7,309 | $1.87B | $255,212 | $0 | $963 |
| Pennant 401(k) Retirement Savings Plan | Pennant Services, Inc. | DC | 7,184 | $75.1M | $10,454 | $185 | $63.48 |
| Lamb Weston, Inc. 401(k) Plan for Plant Hourly Employees | Lamb Weston, Inc. | DC | 6,088 | $254M | $41,640 | $4,036 | $95.10 |
| Woodgrain Millwork, Inc. Employee Savings Plan and Trust | Woodgrain Inc. | DC | 5,558 | $272M | $48,910 | $1,366 | $90.82 |
| Glanbia Companies 401(k) Plan | Glanbia, Inc. | DC | 5,093 | $336M | $65,985 | $3,479 | $73.15 |
| Cascadia Healthcare 401(k) Plan | Cascadia Healthcare | DC | 4,939 | $26.9M | $5,451 | $0 | $75.84 |
| Boise Cascade Company Savings Plan | Boise Cascade Company | DC | 4,910 | $740M | $150,785 | $6,638 | $122 |
| Retirement Plan of Idaho Power Company | Idaho Power Company | DB | 4,728 | $971M | $205,348 | $9,328 | $952 |
| Power Profit Sharing 401(k) Plan | Power Engineers, Inc. | DC | 4,542 | $592M | $130,243 | $4,597 | $75.35 |
| Kootenai Health 403(b) Plan | Kootenai Clinic, LLC | DC | 4,483 | $79.9M | $17,824 | $2,538 | $39.86 |
| The Jackson Companies 401(k) Profit Sharing Plan | Jacksons Food Stores, Inc. | DC | 4,453 | $50.7M | $11,385 | $628 | $32.23 |
| Lamb Weston, Inc. Pension Plan for Plant Hourly Employees | Lamb Weston, Inc. | DB | 3,735 | $36.5M | $9,766 | $6,448 | $351 |
| Melaleuca, Inc. 401(k) Savings Plan and Trust | Melaleuca, Inc. | DC | 3,125 | $140M | $44,739 | $890 | $98.34 |
| Kendall Automotive Group Employees' Retirement Plan | Kendall Dealership Holdings, LLC | DC | 3,039 | $80.2M | $26,389 | $206 | $53.03 |
| Idaho Power Company Employee Savings Plan | Idaho Power Company | DC | 2,815 | $890M | $316,127 | $4,856 | $68.70 |
| Co-Op 401(k) Plan | Coop Shared Services, LLC | DC | 2,772 | $99.2M | $35,792 | $1,640 | $37.17 |
| Idaho Central Credit Union 401(k) Plan | Idaho Central Credit Union | DC | 2,549 | $99.5M | $39,036 | $1,485 | $111 |
| Mountain View Hospital LLC 401(k) Plan | Mountain View Hospital LLC | DC | 2,520 | $86.4M | $34,289 | $1,877 | $142 |
| Boise Cascade Company Hourly Savings Plan | Boise Cascade Company | DC | 2,485 | $146M | $58,627 | $2,475 | $132 |
| Lamb Weston, Inc. 401(k) Plan for Salaried and Hourly Employees | Lamb Weston, Inc. | DC | 2,462 | $444M | $180,429 | $10,122 | $151 |
| Amalgamated Sugar Company Hourly Retirement Plan | Amalgamated Sugar Company | DB | 2,441 | $224M | $91,703 | $6,187 | $98.82 |
| Agri Beef Co. 401(k) Profit Sharing Plan and Trust | Agri Beef Company | DC | 2,112 | $99.0M | $46,892 | $1,773 | $202 |
| Ataraxis PEO Retirement Savings Plan | Atx PEO Services, Inc. | DC | 1,950 | $35.3M | $18,081 | $1,109 | $206 |
| Blue Cross of Idaho Health Service, Inc. 401(k) Plan | Blue Cross of Idaho Health Service, Inc. | DC | 1,825 | $234M | $128,248 | $6,283 | $78.18 |
| Petiq 401(k) Plan | Petiq, LLC | DC | 1,822 | $38.3M | $20,994 | $1,320 | $15.94 |
| Hecla Mining Company Restated Retirement Plan | Hecla Mining Company | DB | 1,802 | $117M | $65,125 | — | $265 |
| Terteling Employees' Profit Sharing and Thrift Savings Plan | The Terteling Company, Inc. | DC | 1,779 | $183M | $102,974 | $4,376 | $173 |
| The Hagadone Corporation Retirement Plan | The Hagadone Corporation | DC | 1,769 | $42.8M | $24,210 | $281 | $41.68 |
| Ridley's Food Corporation 401(k) Plan | Ridley's Food Corporation | DC | 1,761 | $12.1M | $6,862 | $340 | $41.51 |
| Norco, Inc. 401(k) Savings Plan | Norco, Inc. | DC | 1,634 | $100M | $61,314 | $1,086 | $80.22 |
| Idaho Forest Group LLC 401(k) Plan | Riley Creek Lumber Company | DC | 1,602 | $119M | $73,978 | $3,387 | $257 |
| Boise Cascade Company Retirement Savings Plan | Boise Cascade Company | DC | 1,592 | $90.6M | $56,915 | $1,191 | $138 |
| Idaho Central Credit Union Cash Balance Defined Benefit Plan and Trust | Idaho Central Credit Union | DB | 1,576 | $105M | $66,526 | $7,057 | $82.39 |
| Thomas Cuisine Management 401(k) Plan | Thomas Management, LLC | DC | 1,552 | $26.8M | $17,293 | $671 | $110 |
| Nez Perce Tribe Employees Retirement Plan | Nez Perce Tribe | DC | 1,519 | $61.9M | $40,746 | $1,438 | $41.97 |
| Amwtp Employee Investment Plan | Idaho Environmental Coalition, LLC | DC | 1,518 | $265M | $174,421 | $10,344 | $90.54 |
| Amalgamated Sugar Company Hourly 401(k) Plan | Amalgamated Sugar Company | DC | 1,494 | $54.5M | $36,484 | $523 | $43.36 |
| Clearwater Analytics 401(k) Plan | Clearwater Analytics, LLC | DC | 1,490 | $115M | $77,030 | $4,154 | — |
| Country Supplier 401(k) Savings Plan | Country Supplier LLC | DC | 1,452 | $10.4M | $7,169 | $631 | $28.46 |
| Scentsy, Inc. Retirement Plan | Scentsy, Inc. | DC | 1,449 | $75.8M | $52,285 | $2,304 | $145 |
| Norco, Inc. Employee Stock Ownership Plan | Norco, Inc. | DC | 1,393 | $196M | $140,820 | $7,304 | — |
| Esi Holdings, Inc. 401(k) Plan | Esi Holdings, Inc. | DC | 1,318 | $47.1M | $35,725 | $2,865 | $129 |
| Litehouse, Inc. Employees' 401(k) Profit Sharing Plan | Litehouse, Inc. | DC | 1,282 | $53.4M | $41,690 | — | $261 |
| Hecla Mining Company Capital Accumulation Plan | Hecla Mining Company | DC | 1,244 | $234M | $188,463 | $6,630 | $40.21 |
| Coastal Farm & Home Supply, LLC 401(k) Plan | Coastal Farm & Home Supply, LLC | DC | 1,150 | $10.5M | $9,089 | $351 | $101 |
| Brad Hall Companies 401(k) Plan | Brad Hall & Associates, Inc. | DC | 1,068 | $17.1M | $15,978 | $1,197 | $40.00 |
| Scandinavian Designs Retirement Savings Plan | Scandinavian Designs, Inc. | DC | 1,063 | $41.0M | $38,569 | $0 | $103 |
| Gritman Medical Center Employee Retirement Plan | Gritman Medical Center | DC | 1,058 | $47.5M | $44,929 | — | $138 |
| BMH, Inc. Retirement Plan | BMH, Inc. | DC | 1,034 | $27.2M | $26,297 | $820 | $155 |
| Ball Ventures, LLC, 401(k) Plan | Ball Ventures, LLC | DC | 900 | $10.8M | $11,969 | $856 | $93.98 |
| St. Luke's Health System Basic Pension Plan | St. Luke's Health System, Ltd. | DB | 891 | $144M | $161,897 | — | $434 |
| Stellar Industries, Inc. Employee Stock Ownership Plan | Stellar Industries, Inc. | DC | 880 | $285M | $324,345 | $14,103 | — |
By plan size
By industry
By plan year
Questions and answers
How many retirement plans are there in Idaho?
318 plans with 100 or more participants filed Form 5500 for plan year 2024, out of 750 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 Idaho?
The median defined contribution plan reported $41,484 in net assets per participant (middle half of plans: $22,496 to $73,940); 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 Idaho?
The median defined contribution plan received $1,970 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 Idaho?
Among defined contribution plans that report any Schedule C compensation, the median was $147 per participant and 0.38% 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.