State · sponsors with a Mississippi filing address
Retirement plans in Mississippi
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, 307 retirement plans based in Mississippi with 100 or more participants filed Form 5500: 290 defined contribution and 17 defined benefit. They reported 255,250 participant records and $15.2B in net assets, counting every plan on the form.
The median defined contribution plan held $39,215 per participant, well below the national median of $53,031, and its employer put in $1,758 per active participant (national: $2,174). Among plans reporting Schedule C compensation the median was $117 per participant against $123 nationally.
Employers contributed $419M and participants $574M during the year, and the plans paid out $1.93B in benefits.
In 2009 the same group numbered 425 plans with $5.11B; by 2024 it was 307 plans (down 28%) and $15.2B (up 197%). 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, 2,743 small plans based in Mississippi filed the short Form 5500-SF for 2024, with 81,804 participants and $5.07B 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 | MS: DC | US: DC | MS: DB | US: DB |
|---|---|---|---|---|
| Net assets per participant | $39,215 | $53,031 | $93,044 | $86,234 |
| Employer contributions per active participant | $1,758 | $2,174 | $3,326 | $10,244 |
| Schedule C compensation per participant | $117 | $123 | $366 | $344 |
| Schedule C compensation, share of net assets | 0.36% | 0.26% | 0.32% | 0.42% |
| Administrative expenses per participant | $94.00 | $116 | $636 | $527 |
Medians across plans with 100 or more participants (279 DC and 17 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 | $16,629 | $39,215 | $78,476 | 279 |
| Employer contributions per active participant | $857 | $1,758 | $2,947 | 263 |
| Schedule C compensation per participant | $44.85 | $117 | $221 | 250 |
| Administrative expenses per participant | $38.67 | $94.00 | $215 | 267 |
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 | 41 | 49,322 | $3.38B | $96.3M | $135M | $63,133 | $102 |
| 2024 | 307 | 255,250 | $15.2B | $419M | $574M | $39,215 | $117 |
| 2023 | 322 | 251,831 | $14.4B | $405M | $530M | $35,887 | $115 |
| 2022 | 381 | 271,112 | $12.7B | $387M | $500M | $25,440 | $112 |
| 2021 | 393 | 290,037 | $14.9B | $396M | $476M | $31,015 | $96.15 |
| 2020 | 402 | 279,312 | $14.1B | $398M | $436M | $27,116 | $79.03 |
| 2019 | 396 | 277,604 | $12.4B | $603M | $403M | $24,727 | $83.60 |
| 2018 | 398 | 264,290 | $10.3B | $322M | $352M | $23,710 | $75.73 |
| 2017 | 396 | 254,258 | $10.5B | $530M | $331M | $24,850 | $60.13 |
| 2016 | 402 | 254,806 | $9.23B | $366M | $308M | $22,718 | $53.60 |
| 2015 | 409 | 257,992 | $8.36B | $403M | $289M | $20,115 | $49.47 |
| 2014 | 406 | 257,522 | $8.52B | $312M | $283M | $20,990 | $44.35 |
| 2013 | 412 | 248,464 | $8.02B | $290M | $255M | $20,673 | $40.17 |
| 2012 | 402 | 240,687 | $6.90B | $290M | $240M | $17,739 | $47.58 |
| 2011 | 409 | 242,666 | $5.93B | $304M | $229M | $16,571 | $58.20 |
| 2010 | 419 | 241,834 | $5.68B | $242M | $215M | $15,188 | $56.32 |
| 2009 | 425 | 247,444 | $5.11B | $274M | $209M | $13,184 | $42.16 |
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 307 plans on this page's list, by number of plans. A plan usually names several providers.
Largest plans
The 60 largest by participants of 307 plans with a page on this site.
| Plan | Sponsor | Type | Participants | Net assets | Per participant | Employer / active | Sch. C / participant |
|---|---|---|---|---|---|---|---|
| V2X 401(k) Retirement Plan | V2X, Inc. | DC | 16,926 | $644M | $38,073 | $2,556 | $67.05 |
| Your Retirement Savings Plan | Your Retirement Savings Plan Company | DC | 10,815 | $205M | $18,925 | $569 | $57.17 |
| North Mississippi Health Services, Inc. 403(b) Plan | North Mississippi Health Services, Inc. | DC | 9,350 | $488M | $52,202 | — | $60.07 |
| North Mississippi Health Services, Inc. Employer Savings Plan | North Mississippi Health Services, Inc. | DC | 9,230 | $411M | $44,492 | $2,767 | $50.60 |
| Cadence 401(k) Profit-Sharing Plan | Cadence Bank | DC | 8,076 | $817M | $101,182 | $3,855 | $20.19 |
| Cadence Retirement Plan and Trust Agreement | Cadence Bank | DB | 6,779 | $341M | $50,365 | — | $131 |
| Modine Manufacturing Company Frozen Pension Plan | Modine Manufacturing Company | DB | 4,772 | $150M | $31,425 | $628 | $344 |
| Hancock Whitney Corporation 401(k) Savings Plan | Hancock Whitney Corporation | DC | 4,737 | $687M | $145,129 | $5,344 | $97.67 |
| Ergon 401(k) Plan | Ergon, Inc. | DC | 4,647 | $771M | $165,864 | $8,950 | $129 |
| Hancock Whitney Corporation Pension Plan | Hancock Whitney Corporation | DB | 4,526 | $735M | $162,287 | — | $369 |
| The Yates Companies, Inc. 401(k) Plan | The Yates Companies, Inc. | DC | 4,138 | $154M | $37,244 | $1,654 | $149 |
| Cal-Maine Foods, Inc. KSOP | Cal-Maine Foods, Inc. | DC | 4,015 | $291M | $72,516 | $1,490 | $61.48 |
| Renasant Bank 401(k) Plan | Renasant Bank | DC | 3,926 | $388M | $98,707 | $3,065 | $75.19 |
| Southern Farm Bureau and Adopting Companies 401(k) Plan | Southern Farm Bureau Casualty Insurance Company | DC | 3,583 | $528M | $147,457 | $3,041 | $65.98 |
| Medico 401(k) Retirement Plan | Medico, LLC | DC | 3,336 | $6.5M | $1,947 | $288 | $38.46 |
| Trustmark 401(k) Plan | Trustmark Corporation | DC | 3,149 | $398M | $126,302 | $4,303 | $68.44 |
| Mbci Tribal Government Enterprise 401(k) Plan | Mississippi Band of Choctaw Indians | DC | 3,126 | $40.7M | $13,032 | $974 | $104 |
| Hattiesburg Clinic P. a. Savings Plan | Hattiesburg Clinic, P.A. | DC | 2,980 | $402M | $134,978 | $3,378 | $57.64 |
| Yates Services Retirement & Savings Plan | Yates Services, LLC | DC | 2,826 | $91.6M | $32,402 | $2,005 | $129 |
| Telapex, Inc. Savings Plan | Telapex, Inc. | DC | 2,245 | $277M | $123,249 | $4,088 | $164 |
| The Dunlap & Kyle Co., Inc. Profit Sharing Plan and Trust | Dunlap & Kyle Co., Inc. | DC | 2,124 | $133M | $62,732 | $1,436 | $83.05 |
| SFB Casualty Ins Co. Retirement Plan | Southern Farm Bureau Casualty Insurance Company | DB | 2,110 | $445M | $210,851 | — | — |
| Southern Motion, Inc. 401(k) Plan | Southern Motion, Inc. | DC | 2,054 | $7.5M | $3,661 | $3 | $36.24 |
| West Quality Food Service, Inc. 401(k) Retirement Savings Plan | West Quality Food Service, Inc. | DC | 1,965 | $2.9M | $1,478 | $25 | $10.22 |
| Atlas Roofing Corporation 401(k) Profit Sharing Plan | Atlas Roofing Corporation | DC | 1,964 | $226M | $115,260 | $4,611 | $194 |
| Horne LLP Profit Sharing Plan | Horne LLP | DC | 1,933 | $108M | $55,682 | $3,590 | $164 |
| Community Eldercare Services LLC 401(k) Plan | Community Eldercare Services, LLC | DC | 1,782 | $2.6M | $1,443 | $0 | $24.62 |
| Telapex, Inc. Employee Stock Ownership Plan | Telapex, Inc. | DC | 1,775 | $145M | $81,465 | $3,926 | — |
| Anderson Regional Medical Center 403(b) Plan | Anderson Regional Medical Center | DC | 1,759 | $34.2M | $19,464 | — | $0.17 |
| Anderson Regional Medical Center Retirement Savings Plan | Anderson Regional Medical Center | DC | 1,759 | $33.8M | $19,188 | — | — |
| Bancplus Corporation Employee Stock Ownership Plan W/ 401(k) Provisions | Bancplus Corporation | DC | 1,697 | $180M | $106,212 | $3,355 | $81.34 |
| Gulf Coast Restaurant Group, Inc. 401(k) Plan | Gulf Coast Restaurant Group, Inc. | DC | 1,684 | $933K | $554 | $52 | $5.41 |
| Hood Packaging Corporation Savings Plan | Hood Packaging Corporation | DC | 1,680 | $117M | $69,624 | $2,519 | $124 |
| The Taylor Group, Inc. 401(k) Plan | The Taylor Group, Inc. | DC | 1,585 | $122M | $76,897 | $2,766 | — |
| HMC Management Services, Inc. Retirement Plan | HMC Management Services, Inc. | DC | 1,575 | $6.4M | $4,041 | $616 | $14.61 |
| Hood Industries Retirement and Savings Plan | Hood Industries, Inc. | DC | 1,540 | $94.0M | $61,053 | $2,121 | $111 |
| Mississippi Action for Progress, Inc. Retirement Plan | Mississippi Action for Progress, Progress, Inc. | DC | 1,537 | $23.2M | $15,076 | $3,379 | $55.04 |
| Jones Companies 401(k) Plan | Jones Companies, LLC | DC | 1,515 | $44.2M | $29,143 | $3,502 | $59.38 |
| Gulfside Casino Partnership 401(k) Plan | Gulfside Casino Partnership | DC | 1,512 | $21.8M | $14,434 | $283 | $88.07 |
| Howard Industries, Inc. Retirement Savings Plan | Howard Industries, Inc. | DC | 1,474 | $88.0M | $59,711 | $1,870 | $154 |
| Facilities Performance Group, LLC 401(k) Plan | Facilities Performance Group, LLC | DC | 1,467 | — | — | — | — |
| Mississippi Management, Inc. 401(k) Retirement and Savings Plan | Mississippi Management, Inc. | DC | 1,369 | $8.8M | $6,463 | $108 | $16.08 |
| The Blossman Companies, Inc. 401(k) Savings Plan | The Blossman Companies, Inc. | DC | 1,349 | $69.8M | $51,765 | $1,872 | $182 |
| The First Bancshares, Inc. Profit Sharing 401(k) Plan | The First Bancshares, Inc. | DC | 1,323 | $56.3M | $42,550 | $1,587 | $220 |
| Southern Pipe & Supply Co., Inc. 401(k) Retirement Savings Plan | Southern Pipe & Supply Co., Inc. | DC | 1,309 | $101M | $77,072 | $1,981 | $333 |
| RPM Pizza, LLC 401(k) Plan | RPM Pizza, LLC | DC | 1,277 | $16.1M | $12,639 | $145 | $19.79 |
| IBEW Local 480 Pension Plan | Neca-Ibew Local 480 Pension Plan Board of Trustees | DC | 1,167 | $123M | $105,574 | $9,376 | $215 |
| Beyondtrust Corporation 401(k) Plan | Beyondtrust Corporation | DC | 1,131 | $105M | $92,632 | $6,498 | $151 |
| Victory Marketing, LLC 401(k) Profit Sharing Plan | Victory Marketing, LLC | DC | 1,128 | $5.3M | $4,717 | $126 | $30.00 |
| Cannon Chevrolet Cadillac 401(k) Plan | Cannon Chevrolet Cadillac | DC | 1,127 | $15.0M | $13,323 | $728 | $162 |
| Youngwilliams P.C. 401(k) Profit Sharing Plan | Youngwilliams, P.C. | DC | 1,100 | $19.8M | $17,990 | $400 | $94.12 |
| The First Bancshares, Inc. Employee Stock Ownership Plan | The First, a National Banking Association | DC | 1,098 | $212K | $193 | — | — |
| Keesler Federal Credit Union 401(k) Plan and Trust | Keesler Federal Credit Union | DC | 1,088 | $47.0M | $43,156 | $2,626 | $127 |
| Trend Consultants, LLC Employees Savings Trust | Trend Consultants, LLC | DC | 1,063 | $2.0M | $1,915 | $296 | $39.65 |
| SA Holding Company, Inc. 401(k) Plan | SA Holding Company, Inc. | DC | 1,061 | $8.3M | $7,819 | $115 | $72.88 |
| Canopy Children's Solutions Retirement Plan | Mississippi Children's Home Services, Inc. DBA Canopy Childr | DC | 1,060 | $14.1M | $13,297 | $1,098 | $43.05 |
| Diversity-Vuteq 401(k) Plan | Diversity-Vuteq, LLC | DC | 1,052 | $6.7M | $6,340 | $1,612 | $3.53 |
| Eutaw Construction Company, Inc. Employee Stock Ownership Plan | Eutaw Construction Company, Inc. | DC | 1,016 | $55.2M | $54,370 | $8,695 | — |
| Hol-Mac Corporation Retirement Savings Plan | Hol-Mac Corporation | DC | 1,014 | $30.1M | $29,729 | $529 | $119 |
| MMSS 403(b) Plan | Mississippi Methodist Senior Services Inc. | DC | 998 | $6.5M | $6,479 | $0 | $37.35 |
By plan size
By industry
By plan year
Questions and answers
How many retirement plans are there in Mississippi?
307 plans with 100 or more participants filed Form 5500 for plan year 2024, out of 518 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 Mississippi?
The median defined contribution plan reported $39,215 in net assets per participant (middle half of plans: $16,629 to $78,476); 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 Mississippi?
The median defined contribution plan received $1,758 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 Mississippi?
Among defined contribution plans that report any Schedule C compensation, the median was $117 per participant and 0.36% 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.