State · sponsors with a Kentucky filing address
Retirement plans in Kentucky
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.
822 retirement plans based in Kentucky with 100 or more participants filed Form 5500 for plan year 2024 (757 defined contribution, 65 defined benefit). All Form 5500 pension filers in the group reported 1,139,360 participant records and $73.8B in net assets.
The median defined contribution plan held $41,765 per participant, well below the national median of $53,031, and its employer put in $1,776 per active participant (national: $2,174). Among plans reporting Schedule C compensation the median was $115 per participant against $123 nationally.
Employers contributed $2.12B and participants $3.17B during the year, and the plans paid out $7.40B in benefits.
In 2009 the same group numbered 956 plans with $29.6B; by 2024 it was 822 plans (down 14%) and $73.8B (up 149%). 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, 5,937 small plans based in Kentucky filed the short Form 5500-SF for 2024, with 181,695 participants and $10.9B 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 | KY: DC | US: DC | KY: DB | US: DB |
|---|---|---|---|---|
| Net assets per participant | $41,765 | $53,031 | $65,302 | $86,234 |
| Employer contributions per active participant | $1,776 | $2,174 | $8,711 | $10,244 |
| Schedule C compensation per participant | $115 | $123 | $252 | $344 |
| Schedule C compensation, share of net assets | 0.31% | 0.26% | 0.34% | 0.42% |
| Administrative expenses per participant | $100 | $116 | $450 | $527 |
Medians across plans with 100 or more participants (715 DC and 65 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 | $22,509 | $41,765 | $84,806 | 715 |
| Employer contributions per active participant | $916 | $1,776 | $3,363 | 690 |
| Schedule C compensation per participant | $48.98 | $115 | $221 | 631 |
| Administrative expenses per participant | $42.02 | $100 | $213 | 672 |
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 | 126 | 180,120 | $20.0B | $576M | $719M | $63,139 | $131 |
| 2024 | 822 | 1,139,360 | $73.8B | $2.12B | $3.17B | $41,765 | $115 |
| 2023 | 835 | 1,117,394 | $66.6B | $1.98B | $2.93B | $38,588 | $108 |
| 2022 | 948 | 1,115,845 | $57.1B | $1.85B | $2.75B | $30,753 | $101 |
| 2021 | 924 | 1,066,491 | $67.5B | $1.72B | $2.57B | $37,464 | $103 |
| 2020 | 916 | 1,055,218 | $62.3B | $1.69B | $2.33B | $34,359 | $94.94 |
| 2019 | 901 | 1,029,245 | $54.0B | $1.64B | $2.18B | $31,655 | $84.88 |
| 2018 | 879 | 1,072,118 | $46.8B | $1.64B | $2.05B | $29,793 | $69.83 |
| 2017 | 899 | 1,089,520 | $50.3B | $1.80B | $1.96B | $29,530 | $59.34 |
| 2016 | 900 | 1,125,924 | $44.2B | $1.97B | $1.86B | $27,216 | $50.78 |
| 2015 | 906 | 1,191,405 | $45.9B | $1.63B | $1.79B | $25,405 | $46.50 |
| 2014 | 901 | 1,128,011 | $44.8B | $2.03B | $1.59B | $26,305 | $46.53 |
| 2013 | 880 | 1,049,018 | $41.6B | $1.27B | $1.43B | $25,532 | $38.62 |
| 2012 | 892 | 1,056,147 | $36.7B | $1.38B | $1.34B | $21,946 | $35.34 |
| 2011 | 898 | 988,111 | $31.6B | $1.53B | $1.05B | $19,013 | $36.69 |
| 2010 | 915 | 987,826 | $30.2B | $1.30B | $1.00B | $19,459 | $37.45 |
| 2009 | 956 | 1,045,765 | $29.6B | $1.24B | $987M | $16,871 | $28.55 |
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 828 plans on this page's list, by number of plans. A plan usually names several providers.
Largest plans
The 60 largest by participants of 828 plans with a page on this site.
| Plan | Sponsor | Type | Participants | Net assets | Per participant | Employer / active | Sch. C / participant |
|---|---|---|---|---|---|---|---|
| Commonspirit Health 401(k) Retirement Savings Plan | Commonspirit Health | DC | 127,392 | $8.83B | $69,285 | $3,767 | $28.05 |
| Humana Retirement Savings Plan | Humana Inc. | DC | 57,219 | $8.73B | $152,495 | $6,183 | $42.50 |
| Brightspring Health Services Retirement Savings Plan | Brightspring Health Services | DC | 47,721 | $794M | $16,643 | $175 | $16.13 |
| Commonspirit Health Erisa 403(b) Plan | Commonspirit Health | DC | 44,266 | $2.94B | $66,443 | $151 | $9.35 |
| Scionhealth 401(k) Plan | Knight Health Holdings LLC d/b/a Scionhealth | DC | 34,137 | $1.32B | $38,551 | $331 | $28.10 |
| Yum Brands 401(k) Plan | Yum Brands, Inc. | DC | 28,163 | $1.06B | $37,810 | $907 | $48.19 |
| Norton Healthcare 403(b) Retirement Savings Plan | Norton Healthcare, Inc. | DC | 26,534 | $2.27B | $85,721 | $4,292 | $68.18 |
| Baptist Health 401(k) Plan | Baptist Healthcare System | DC | 21,546 | $852M | $39,550 | $2,958 | $57.19 |
| Houchens Industries, Inc. Employee Stock Ownership Plan | Houchens Industries, Inc. | DC | 19,746 | $2.23B | $112,752 | $5,396 | — |
| Valvoline 401(k) Plan | Valvoline Inc. | DC | 16,299 | $319M | $19,560 | $1,191 | $36.95 |
| Yum Brands Retirement Plan | Yum Brands, Inc. | DB | 16,102 | $644M | $39,979 | — | $137 |
| Trilogy Management Services, LLC Retirement Savings Plan | Trilogy Management Services, LLC | DC | 14,995 | $194M | $12,921 | $389 | $38.53 |
| Centerwell Home Health 401(k) Savings Plan | Humana Inc. | DC | 14,979 | $366M | $24,462 | $1,038 | $8.66 |
| Uofl Health 401(k) Plan | Uofl Health, Inc. | DC | 13,547 | $566M | $41,765 | $2,118 | $43.05 |
| Stakeholder Payroll Services, LLC. 401(k) Plan | Stakeholder Payroll Services, LLC | DC | 11,586 | $120M | $10,382 | $14 | $34.51 |
| Atria Senior Living, Inc. 401(k) Plan | Atria Senior Living, Inc. | DC | 10,489 | $166M | $15,798 | $350 | $43.91 |
| Churchill Downs Incorporated 401(k) Retirement Plan | Churchill Downs Incorporated | DC | 10,219 | $210M | $20,533 | $743 | $21.97 |
| Humana Partnership Savings Plan | Humana Inc. | DC | 10,118 | $318M | $31,416 | $1,686 | $20.71 |
| Turnpoint 401(k) Plan | Essential Services Intermediate Holding Corporation DBA Turnpoint Serv | DC | 10,030 | $170M | $16,978 | $1,075 | $67.99 |
| Confluent Health, LLC 401(k) Profit Sharing Plan | Confluent Health, LLC | DC | 8,644 | $204M | $23,617 | $1,226 | $47.28 |
| Ashland Hercules Pension Plan II | Valvoline LLC | DB | 8,156 | $441M | $54,120 | — | — |
| Schulte Hospitality Group, Inc. 401(k) Plan | Schulte Hospitality Group, Inc. | DC | 7,859 | $45.9M | $5,834 | $521 | $28.98 |
| Appalachian Regional Healthcare, Inc. Thrift Plan | Appalachian Regional Healthcare, Inc. | DC | 7,523 | $232M | $30,809 | $1,796 | $131 |
| Prysmian Group 401(k) Plan | Prysmian Cables and Systems (US) Inc. | DC | 6,880 | $703M | $102,220 | $3,591 | $76.93 |
| My Savings Plan | Haier US Appliance Solutions, Inc. | DC | 6,810 | $840M | $123,378 | $7,047 | $89.52 |
| Tempur Sealy 401(k) Retirement Plan | Tempur-Pedic Management, LLC | DC | 5,727 | $328M | $57,293 | $1,417 | $30.49 |
| Toyota Boshoku America, Inc. 401(k) Profit Sharing Plan & Trust | Toyota Boshoku America, Inc. | DC | 5,481 | $233M | $42,531 | $1,892 | $66.53 |
| Firstsource 401(k) Retirement Plan | Firstsource Group U.S.A., Inc. | DC | 5,410 | $73.8M | $13,646 | $369 | $60.52 |
| My Savings Plan (Union) | Haier US Appliance Solutions, Inc. | DC | 5,366 | $246M | $45,753 | $3,087 | $86.59 |
| 403(b) Thrift Plan for Goodwill Industries of Kentucky, Inc. | Goodwill Industries of Kentucky, Inc. | DC | 5,255 | $24.3M | $4,629 | $327 | $35.27 |
| Columbia Sussex 401(k) Plan | Crestview Management LLC | DC | 5,185 | $93.5M | $18,025 | $420 | $21.34 |
| The Cengage Learning, Inc. 401(k) Savings Plan | Cengage Learning, Inc. | DC | 5,086 | $660M | $129,788 | $3,590 | $85.14 |
| Texas Roadhouse Salaried Employees 401(k) Profit Sharing Plan | Texas Roadhouse Management Corp. | DC | 5,046 | $149M | $29,511 | $1,983 | $14.21 |
| Prestige Management Employee Plan | Northpoint Senior Services, LLC | DC | 4,914 | $43.8M | $8,904 | $48 | $42.62 |
| Med Center Health 403(b) Plan | Commonwealth Health Corporation | DC | 4,899 | $116M | $23,683 | — | $39.93 |
| Med Center Health Retirement Savings Plan | Commonwealth Health Corporation | DC | 4,793 | $98.7M | $20,597 | $2,216 | $45.10 |
| Owensboro Health 403(b) Safe Harbor Plan | Owensboro Health, Inc. | DC | 4,565 | $246M | $53,890 | $2,963 | $64.44 |
| Norton Healthcare, Inc. Retirement Plan | Norton Healthcare, Inc. | DB | 4,519 | $169M | $37,324 | — | $245 |
| Appalachian Regional Healthcare, Inc. Pension Plan | Appalachian Regional Healthcare, Inc. | DB | 4,356 | $166M | $38,222 | $3,755 | $116 |
| Pro Mach, Inc. Retirement Savings Plan | Pro Mach, Inc. | DC | 4,327 | $486M | $112,272 | $3,562 | $163 |
| Lg&e and Ku Pension Plan | Lg&e and Ku Energy, LLC | DB | 4,271 | $1.02B | $239,307 | — | $103 |
| Electrical Workers Local 369 Retirement Fund | Electrical Workers Local 369 Retirement Fund | DC | 4,201 | $549M | $130,615 | $10,404 | $51.06 |
| Sazerac Company, Inc. 401(k) Plan | Sazerac Company, Inc. | DC | 4,007 | $167M | $41,577 | $2,249 | $59.01 |
| Retirement Plan for Employees of Pikeville Medical Center, Inc. | Pikeville Medical Center, Inc. | DC | 3,920 | $174M | $44,308 | $1,167 | $108 |
| Ashland Hercules Pension Plan | Valvoline LLC | DB | 3,845 | $924M | $240,336 | — | — |
| Baptist Health Thrift Plan | Baptist Healthcare System, Inc. | DC | 3,802 | $1.16B | $304,134 | $0 | $267 |
| Ups/ipa 401(k) Savings Plan | United Parcel Service Company | DC | 3,778 | $1.70B | $449,514 | — | $42.63 |
| Wieland North America, Inc. Retirement Savings Plan | Wieland North America, Inc. | DC | 3,729 | $425M | $113,874 | $6,248 | $133 |
| University of Louisville Physicians, Inc. Profit Sharing Plan | University of Louisville Physicians, Inc. | DC | 3,707 | $161M | $43,428 | $2,562 | $45.00 |
| Employees' Thrift Plan of Davis H. Elliot Company, Incorporated | Davis H. Elliot Company, Incorporated | DC | 3,619 | $105M | $28,927 | $978 | $99.26 |
| Lg&e and Ku Savings Plan | Lg&e and Ku Energy LLC | DC | 3,571 | $1.02B | $284,350 | $8,270 | $18.17 |
| Ttai 401(k) Plan | Toyotetsu America, Inc. | DC | 3,446 | $89.9M | $26,093 | $912 | $81.94 |
| Freedom Senior Services 401(k) Profit Sharing Plan & Trust | Freedom Senior Services | DC | 3,311 | $6.8M | $2,039 | $440 | $26.35 |
| Volare Health LLC 401(k) Plan | Volare Health LLC | DC | 3,056 | $11.3M | $3,694 | — | $49.89 |
| Ips Employee Retirement Savings Plan | Interstate Personnel Services,inc. | DC | 3,042 | $14.8M | $4,877 | $288 | $60.78 |
| Lexmark Savings Plan | Lexmark International | DC | 2,949 | $1.21B | $410,623 | $5,310 | $81.60 |
| Brown-Forman Corporation Salaried Employees Retirement Plan | Brown-Forman Corporation | DB | 2,908 | $478M | $164,320 | $3,964 | $203 |
| Management Registry 401(k) Plan | Management Registry, Inc. | DC | 2,884 | $8.2M | $2,830 | $166 | $76.95 |
| Gray Retirement Savings Plan | Gray Construction, Inc. | DC | 2,853 | $209M | $73,110 | $28 | $106 |
| Pomeroy Technologies LLC Retirement Savings Plan | Pomeroy Technologies LLC | DC | 2,712 | $109M | $40,311 | $1 | $69.11 |
By plan size
By industry
By plan year
Questions and answers
How many retirement plans are there in Kentucky?
822 plans with 100 or more participants filed Form 5500 for plan year 2024, out of 1,289 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 Kentucky?
The median defined contribution plan reported $41,765 in net assets per participant (middle half of plans: $22,509 to $84,806); 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 Kentucky?
The median defined contribution plan received $1,776 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 Kentucky?
Among defined contribution plans that report any Schedule C compensation, the median was $115 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.