State · sponsors with a Missouri filing address
Retirement plans in Missouri
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, 1,370 retirement plans based in Missouri with 100 or more participants filed Form 5500: 1,235 defined contribution and 135 defined benefit. They reported 2,571,296 participant records and $229.3B in net assets, counting every plan on the form.
The median defined contribution plan held $53,256 per participant, close to the national median of $53,031, and its employer put in $2,091 per active participant (national: $2,174). Among plans reporting Schedule C compensation the median was $131 per participant against $123 nationally.
Employers contributed $6.58B and participants $6.85B during the year, and the plans paid out $21.3B in benefits.
In 2009 the same group numbered 1,564 plans with $79.5B; by 2024 it was 1,370 plans (down 12%) and $229.3B (up 188%). 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, 10,111 small plans based in Missouri filed the short Form 5500-SF for 2024, with 288,412 participants and $18.9B 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 | MO: DC | US: DC | MO: DB | US: DB |
|---|---|---|---|---|
| Net assets per participant | $53,256 | $53,031 | $91,885 | $86,234 |
| Employer contributions per active participant | $2,091 | $2,174 | $10,351 | $10,244 |
| Schedule C compensation per participant | $131 | $123 | $362 | $344 |
| Schedule C compensation, share of net assets | 0.27% | 0.26% | 0.40% | 0.42% |
| Administrative expenses per participant | $125 | $116 | $501 | $527 |
Medians across plans with 100 or more participants (1,179 DC and 133 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 | $26,233 | $53,256 | $104,160 | 1,179 |
| Employer contributions per active participant | $1,043 | $2,091 | $3,894 | 1,140 |
| Schedule C compensation per participant | $60.49 | $131 | $237 | 1,106 |
| Administrative expenses per participant | $51.60 | $125 | $228 | 1,138 |
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 | 195 | 391,403 | $39.3B | $977M | $1.47B | $70,879 | $142 |
| 2024 | 1,370 | 2,571,296 | $229.3B | $6.58B | $6.85B | $53,256 | $131 |
| 2023 | 1,390 | 2,433,762 | $209.1B | $6.21B | $6.40B | $50,594 | $116 |
| 2022 | 1,546 | 2,413,257 | $178.6B | $5.74B | $5.81B | $38,898 | $110 |
| 2021 | 1,544 | 2,342,721 | $217.4B | $5.50B | $5.61B | $46,999 | $114 |
| 2020 | 1,539 | 2,371,068 | $204.4B | $5.04B | $5.16B | $43,677 | $97.74 |
| 2019 | 1,532 | 2,354,022 | $178.6B | $5.27B | $4.83B | $38,748 | $90.89 |
| 2018 | 1,523 | 2,129,082 | $135.2B | $4.11B | $4.28B | $33,066 | $84.47 |
| 2017 | 1,526 | 2,021,252 | $133.0B | $4.01B | $3.63B | $36,305 | $69.57 |
| 2016 | 1,517 | 2,275,405 | $132.9B | $4.32B | $3.97B | $34,044 | $68.47 |
| 2015 | 1,516 | 2,050,961 | $121.1B | $3.82B | $3.44B | $31,870 | $59.05 |
| 2014 | 1,522 | 2,015,445 | $120.0B | $3.39B | $3.12B | $32,485 | $58.84 |
| 2013 | 1,512 | 2,056,019 | $120.6B | $3.53B | $3.12B | $31,349 | $51.28 |
| 2012 | 1,496 | 1,989,772 | $103.1B | $3.64B | $2.80B | $27,656 | $46.77 |
| 2011 | 1,505 | 2,017,030 | $91.5B | $3.80B | $2.67B | $24,957 | $44.46 |
| 2010 | 1,510 | 1,929,678 | $83.7B | $3.10B | $2.39B | $24,843 | $41.95 |
| 2009 | 1,564 | 2,064,466 | $79.5B | $3.30B | $2.44B | $22,159 | $36.21 |
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 1,378 plans on this page's list, by number of plans. A plan usually names several providers.
Largest plans
The 60 largest by participants of 1,378 plans with a page on this site.
| Plan | Sponsor | Type | Participants | Net assets | Per participant | Employer / active | Sch. C / participant |
|---|---|---|---|---|---|---|---|
| Enterprise Holdings Retirement Savings Plan | The Crawford Group, Inc. | DC | 98,663 | $7.56B | $76,626 | $3,768 | $5.68 |
| O'Reilly Automotive, Inc. Profit Sharing and Savings Plan | O'Reilly Automotive, Inc. | DC | 93,644 | $2.13B | $22,745 | $711 | $38.02 |
| Boilermaker-Blacksmith National Pension Trust | Board of Trustees Boilermaker-Blacksmith National | DB | 80,280 | $7.38B | $91,885 | $14,669 | $443 |
| Centene Management Corporation Retirement Plan | Centene Corporation | DC | 67,132 | $4.72B | $70,260 | $2,041 | $35.78 |
| Edward D. Jones & Co. Profit Sharing and 401(k) Plan | Edward D. Jones & Co., L.P. | DC | 58,392 | $12.4B | $211,809 | $8,470 | $26.89 |
| Gardaworld Security Services U.S. 401(k) Plan | Whelan Security Management Company Inc. | DC | 57,757 | $25.6M | $444 | $13 | $4.21 |
| BJC 401(k) Plan | BJC Health System | DC | 43,409 | $2.27B | $52,231 | $1,349 | $15.55 |
| BJC Pension Plan | BJC Health System | DB | 42,843 | $2.64B | $61,702 | $6,579 | $106 |
| Washington University Retirement Savings Plan | Washington University in St. Louis | DC | 40,001 | $7.48B | $187,062 | $5,859 | $34.10 |
| Advantage 401(k) Savings Plan | Advantage Sales & Marketing, LLC | DC | 38,285 | $765M | $19,970 | $346 | $36.93 |
| Emerson Electric Company Retirement Plan | Emerson Electric Company | DB | 37,805 | $3.29B | $86,928 | $2 | $48.96 |
| Co-Op Retirement Plan | United Benefits Group | DB | 37,176 | $3.50B | $94,075 | $4,220 | $707 |
| Boilermakers National Annuity Trust | Board of Trustees Boilermakers National Annuity | DC | 29,668 | $1.28B | $43,001 | $3,008 | $214 |
| Bass Pro Group, LLC 401(k) Plan | Great Outdoors Group, LLC | DC | 29,337 | $608M | $20,733 | $523 | $53.60 |
| Bayer Corporation Savings and Retirement Plan | Bayer Corporation | DC | 28,899 | $11.8B | $409,669 | $14,783 | $99.35 |
| St. Louis-Kansas City Carpenters Regional Annuity | Board of Trustees of St. Louis Kansas City Carpenters Regional Annuity | DC | 28,767 | $141M | $4,895 | $2,088 | $39.13 |
| Emerson Savings Plan | Emerson Electric Company | DC | 28,509 | $7.36B | $258,068 | $3,579 | — |
| H & R Block Retirement Savings Plan | H&R Block Management, LLC | DC | 27,766 | $1.06B | $38,021 | $1,014 | $40.97 |
| Carpenters Pension Trust Fund of St. Louis | Trustees of Carpenters Benefit Plans of St. Louis | DB | 27,598 | $3.28B | $118,685 | $13,040 | $230 |
| Panera Bread Company 401(k) Retirement Savings Plan | Panera Bread Company | DC | 27,108 | $285M | $10,515 | $488 | $17.40 |
| Ameren Retirement Plan | Ameren Corporation | DB | 23,302 | $4.38B | $188,079 | — | $498 |
| Anheuser-Busch 401(k) Savings and Retirement Plan | Anheuser-Busch Companies, LLC | DC | 21,016 | $3.62B | $172,215 | $4,903 | $68.59 |
| UFCW Union Local No. 655, Food Employer's Joint Pe | Board of Trustees of UFCW Local 655, Food Employers Joint Pension Plan | DB | 18,936 | $779M | $41,149 | $1,291 | $88.95 |
| Olin Corporation Employees Pension Plan | Olin Corporation | DB | 18,546 | $1.80B | $96,887 | — | $62.31 |
| Saint Luke's 403(b) Plan | Saint Luke's Health System | DC | 16,694 | $961M | $57,562 | $0 | $80.82 |
| Cox Savings Incentive Plan | Lester E. Cox Medical Centers | DC | 16,589 | $964M | $58,093 | $1,849 | $44.87 |
| Saint Luke's Retirement Balance and Matching Plan | Saint Luke's Health System | DC | 15,241 | $492M | $32,271 | $3,251 | $13.61 |
| Construction Industry Laborers Pension Fund | Construction Industry Laborers Pension Fund | DB | 14,224 | $1.05B | $73,728 | $8,616 | $291 |
| Construction Industry Laborers Supplemental Medica and Retiree Targeted Fund | Trustees of Construction Industry Laborers Smart Fund | DC | 14,172 | $43.3M | $3,056 | $1,065 | $30.46 |
| District No. 9 International Association of Machin Aerospace Workers Pension Plan | Joint Board of Trustees of District 9 I.A.M & A.W. Pension Trust | DB | 13,905 | $749M | $53,884 | $10,363 | $71.76 |
| Schnucks Pay Deferral PLAN-30 | Schnuck Markets, Inc. | DC | 13,728 | $150M | $10,935 | $58 | $11.19 |
| Bayer Corporation Pension Plan | Bayer Corporation | DB | 13,649 | $2.01B | $146,985 | — | — |
| Carpenters Pension Trust Fund of Kansas City | Carpenters Pension Trust Fund of Kansas City | DB | 13,466 | $1.45B | $107,788 | $10,833 | $236 |
| Children's Mercy Hospital Tax-Deferred Annuity Retirement Plan | The Childrens Mercy Hospital | DC | 12,683 | $1.12B | $88,076 | $2,238 | $48.07 |
| Monsanto Company Pension Plan | Bayer Corporation | DB | 12,307 | $1.96B | $158,901 | — | — |
| Burns & McDonnell, Inc. 401(k) Savings Plan | Burns & McDonnell Inc. | DC | 12,209 | $2.06B | $168,712 | $4,295 | $50.42 |
| Burns & McDonnell, Inc. Employee Stock Ownership Plan | Burns & McDonnell, Inc. | DC | 11,995 | $5.46B | $455,447 | $21,387 | $65.44 |
| The Profit Sharing and Savings Plan of Graybar Electric Company, Inc. | Graybar Electric Company, Inc. | DC | 11,961 | $1.95B | $163,153 | $8,433 | $92.76 |
| Ameren Corporation Savings Investment Plan | Ameren Corporation | DC | 11,661 | $3.20B | $274,554 | $5,355 | $81.59 |
| Stifel Financial Profit Sharing 401(k) Plan | Stifel Financial Corp. | DC | 11,227 | $2.65B | $236,204 | $1,663 | $45.50 |
| Tutera Group Inc. 401(k) Retirement Plan | Tutera Group Inc. | DC | 10,460 | $10.7M | $1,021 | $16 | $9.68 |
| Annuity Fund of Operating Engineers Local 513 | Board of Trustees of Annuity Fund of Operating Engineers Local 513 | DC | 9,613 | $323M | $33,601 | $2,411 | $137 |
| Post Holdings, Inc. Savings Investment Plan | Post Holdings, Inc. | DC | 9,385 | $1.22B | $129,834 | $4,577 | $95.84 |
| The Children's Mercy Hospital Retirement Plan | The Children's Mercy Hospital | DC | 9,354 | $564M | $60,300 | $4,064 | $29.79 |
| Eyecare Partners 401(k) Plan | Clarkson Eyecare, Inc. | DC | 9,294 | $512M | $55,066 | $1,251 | $93.29 |
| Olin Corporation Retirement Savings Plan | Olin Corporation | DC | 9,102 | $1.52B | $167,214 | $10,081 | $121 |
| World Wide Technology, LLC Employee Salary Deferral Retirement Program | World Wide Technology, LLC | DC | 9,026 | $1.13B | $125,540 | $6,460 | $109 |
| Lockton, Inc. 401(k) Plan | Lockton, Inc. | DC | 8,772 | $1.40B | $159,323 | $7,607 | $90.37 |
| Magellan Health, Inc. Retirement Savings Plan | Magellan Health, Inc. | DC | 8,755 | $703M | $80,244 | $1,672 | $62.94 |
| HNTB Ownership Plan | HNTB Holdings Ltd. | DC | 8,663 | $2.18B | $251,349 | $2,367 | $94.17 |
| Jack Henry & Associates, Inc. 401(k) Retirement Savings Plan | Jack Henry & Associates Inc. | DC | 8,527 | $1.56B | $183,013 | $4,920 | $43.27 |
| Bunzl USA, LLC Deferred Savings Plan | Bunzl USA, LLC | DC | 8,433 | $942M | $111,736 | $3,193 | $109 |
| HNTB Retirement and Savings Plan | HNTB Holdings Ltd. | DC | 8,421 | $623M | $73,985 | — | $130 |
| Saint Louis University 403(b) Annuity Plan | Saint Louis University | DC | 8,362 | $962M | $115,097 | — | $54.68 |
| Construction Laborers Pension Trust of Greater St. | Construction Laborers Pension Trust of Greater St. Louis Trustees | DB | 8,261 | $1.16B | $140,768 | $14,011 | $441 |
| Business Performance Savings Plan of Hallmark Cards, Incorporated | Hallmark Cards, Inc. | DC | 8,190 | $2.01B | $245,345 | $4,449 | $259 |
| Dot Holdings Co. 401(k) and Profit Sharing Plan | Dot Holdings Co. | DC | 7,978 | $674M | $84,457 | $4,559 | $76.77 |
| Operating Engineers Local 101 Pension Fund | Board of Trustees of Operating Engineers Local 101 Pension Fund | DB | 7,502 | $968M | $128,972 | $13,304 | $685 |
| Caleres, Inc. Retirement Plan | Caleres, Inc. | DB | 7,371 | $312M | $42,335 | — | $318 |
| Brightli Retirement Savings Plan | Burrell-Preferred, Inc. DBA Brightli | DC | 7,325 | $94.8M | $12,938 | $1,064 | $24.67 |
By plan size
By industry
By plan year
Questions and answers
How many retirement plans are there in Missouri?
1,370 plans with 100 or more participants filed Form 5500 for plan year 2024, out of 2,261 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 Missouri?
The median defined contribution plan reported $53,256 in net assets per participant (middle half of plans: $26,233 to $104,160); 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 Missouri?
The median defined contribution plan received $2,091 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 Missouri?
Among defined contribution plans that report any Schedule C compensation, the median was $131 per participant and 0.27% 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.