State · sponsors with a Ohio filing address
Retirement plans in Ohio
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, 3,127 retirement plans based in Ohio with 100 or more participants filed Form 5500: 2,853 defined contribution and 274 defined benefit. They reported 5,698,995 participant records and $464.2B in net assets, counting every plan on the form.
The median defined contribution plan held $53,442 per participant, close to the national median of $53,031, and its employer put in $2,032 per active participant (national: $2,174). Among plans reporting Schedule C compensation the median was $135 per participant against $123 nationally.
Employers contributed $10.5B and participants $14.0B during the year, and the plans paid out $45.7B in benefits.
In 2009 the same group numbered 3,772 plans with $191.7B; by 2024 it was 3,127 plans (down 17%) and $464.2B (up 142%). 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, 23,583 small plans based in Ohio filed the short Form 5500-SF for 2024, with 667,950 participants and $44.4B 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 | OH: DC | US: DC | OH: DB | US: DB |
|---|---|---|---|---|
| Net assets per participant | $53,442 | $53,031 | $65,353 | $86,234 |
| Employer contributions per active participant | $2,032 | $2,174 | $8,455 | $10,244 |
| Schedule C compensation per participant | $135 | $123 | $323 | $344 |
| Schedule C compensation, share of net assets | 0.28% | 0.26% | 0.50% | 0.42% |
| Administrative expenses per participant | $128 | $116 | $527 | $527 |
Medians across plans with 100 or more participants (2,717 DC and 273 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 | $28,251 | $53,442 | $95,615 | 2,717 |
| Employer contributions per active participant | $973 | $2,032 | $3,606 | 2,644 |
| Schedule C compensation per participant | $63.25 | $135 | $239 | 2,523 |
| Administrative expenses per participant | $52.57 | $128 | $227 | 2,625 |
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 | 362 | 585,702 | $60.8B | $1.29B | $2.38B | $75,658 | $151 |
| 2024 | 3,127 | 5,698,995 | $464.2B | $10.5B | $14.0B | $53,442 | $135 |
| 2023 | 3,209 | 5,643,080 | $422.9B | $9.86B | $13.3B | $49,135 | $121 |
| 2022 | 3,571 | 5,576,809 | $357.0B | $9.61B | $12.0B | $37,953 | $117 |
| 2021 | 3,545 | 5,525,778 | $425.2B | $8.17B | $10.8B | $45,724 | $126 |
| 2020 | 3,566 | 5,498,905 | $390.1B | $8.62B | $9.56B | $42,400 | $109 |
| 2019 | 3,556 | 5,577,385 | $351.8B | $8.40B | $9.36B | $37,132 | $98.76 |
| 2018 | 3,516 | 5,429,518 | $296.5B | $8.66B | $8.74B | $32,394 | $86.95 |
| 2017 | 3,527 | 5,494,603 | $313.2B | $9.23B | $8.11B | $34,949 | $77.86 |
| 2016 | 3,506 | 5,378,892 | $276.7B | $9.92B | $7.35B | $31,719 | $67.66 |
| 2015 | 3,518 | 5,220,714 | $266.9B | $7.78B | $7.17B | $30,408 | $60.45 |
| 2014 | 3,520 | 5,227,608 | $277.7B | $6.87B | $6.75B | $31,252 | $54.31 |
| 2013 | 3,537 | 5,226,072 | $268.0B | $8.71B | $6.22B | $30,985 | $47.43 |
| 2012 | 3,521 | 5,317,901 | $241.6B | $9.62B | $5.93B | $27,120 | $47.70 |
| 2011 | 3,556 | 5,288,207 | $209.9B | $9.57B | $5.55B | $24,458 | $43.47 |
| 2010 | 3,647 | 5,161,628 | $204.0B | $8.97B | $5.14B | $25,196 | $42.96 |
| 2009 | 3,772 | 5,410,855 | $191.7B | $7.66B | $5.16B | $21,705 | $34.42 |
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 3,136 plans on this page's list, by number of plans. A plan usually names several providers.
Largest plans
The 60 largest by participants of 3,136 plans with a page on this site.
| Plan | Sponsor | Type | Participants | Net assets | Per participant | Employer / active | Sch. C / participant |
|---|---|---|---|---|---|---|---|
| The Kroger Co. 401(k) Retirement Savings Account Plan | The Kroger Co. | DC | 411,922 | $11.8B | $28,667 | $728 | $6.61 |
| Macys Inc. 401(k) Retirement Investment Plan | Macys, Inc. | DC | 163,125 | $4.63B | $28,411 | $855 | $21.31 |
| GE Aerospace Pension Plan | General Electric Company, Operating As GE Aerospace | DB | 118,868 | $19.0B | $160,003 | — | $21.39 |
| Cleveland Clinic Savings and Investment Plan | The Cleveland Clinic Foundation | DC | 86,817 | $9.21B | $106,049 | $2,072 | $57.85 |
| The Progressive 401(k) Plan | The Progressive Corporation & Its Participating Subsidiaries | DC | 77,919 | $12.4B | $159,058 | $3,642 | $17.50 |
| Cleveland Clinic Investment Pension Plan | The Cleveland Clinic Foundation | DC | 73,315 | $1.77B | $24,158 | $2,586 | — |
| Cintas Partners' Plan | Cintas Corporation | DC | 70,567 | $4.43B | $62,808 | $2,624 | $50.00 |
| Procter & Gamble Profit Sharing Trust & Employee Stock Ownership Plan | The Procter & Gamble Company | DC | 69,403 | $21.2B | $305,877 | $12,734 | $44.70 |
| GE Aerospace Retirement Savings Plan | General Electric Company | DC | 68,934 | $14.7B | $213,772 | $8,582 | $15.50 |
| The Sherwin-Williams Company 401(k) Plan | The Sherwin-Williams Company | DC | 62,829 | $10.6B | $168,132 | $3,387 | $27.21 |
| The Sherwin-Williams Company Salaried Employees' Revised Pension Investment Plan | The Sherwin-Williams Company | DC | 52,893 | $1.72B | $32,467 | $2,176 | $20.75 |
| First Student, Inc. Retirement Savings Plan | Firstgroup America, Inc. | DC | 51,842 | $328M | $6,330 | $130 | $5.22 |
| Nestle 401(k) Savings Plan | Nestle USA, Inc. Savings Plan Administration | DC | 50,509 | $7.46B | $147,650 | $6,056 | $1.82 |
| Abercrombie & Fitch Co. Savings and Retirement Plan | Abercrombie & Fitch Co. | DC | 45,073 | $488M | $10,821 | $338 | $7.98 |
| Pension Plan for Eaton Corporation Employees | Eaton Corporation | DB | 44,528 | $2.44B | $54,902 | — | $67.04 |
| Cardinal Health 401(k) Savings Plan | Cardinal Health, Inc. | DC | 44,500 | $5.55B | $124,753 | $2,470 | $45.34 |
| The Procter & Gamble Savings Plan | The Procter & Gamble Company | DC | 42,915 | $5.37B | $125,138 | $3 | $71.18 |
| Parker Retirement Savings Plan | Parker Hannifin Corporation | DC | 42,434 | $9.01B | $212,331 | $6,582 | $68.73 |
| Nationwide Savings Plan | Nationwide Mutual Insurance Company | DC | 40,207 | $8.31B | $206,790 | $3,885 | $50.10 |
| Concentrix Retirement and Savings Plan | Concentrix CVG Corporation | DC | 39,739 | $880M | $22,138 | $400 | $11.79 |
| Supply Chain Retirement Savings Plan | Exel Inc. | DC | 39,585 | $1.21B | $30,677 | $1,363 | $20.13 |
| University Hospitals Health System 403(b) Matched Retirement Savings Plan | University Hospitals Health System | DC | 38,968 | $2.46B | $63,226 | $1,475 | $49.27 |
| Firstenergy Corp. Master Pension Plan | Firstenergy Corp. | DB | 38,934 | $6.35B | $163,030 | — | $596 |
| University Hospitals Health System, Inc. Retirement Plan | University Hospitals Health System | DB | 38,884 | $919M | $23,639 | $1,207 | $78.96 |
| Ohiohealth Retirement Savings Plan 403(b) | Ohiohealth | DC | 37,660 | $2.73B | $72,482 | $2,583 | $22.11 |
| Eaton Savings Plan | Eaton Corporation | DC | 37,536 | $8.39B | $223,641 | $6,743 | $17.56 |
| Parker Defined Benefit Pension Plan | Parker Hannifin Corporation | DB | 37,405 | $3.40B | $90,865 | — | $203 |
| Macys Inc. Cash Account Pension Plan | Macys Inc. | DB | 36,261 | $1.88B | $51,727 | — | $124 |
| American Electric Power System Retirement Plan | American Electric Power Service Corporation | DB | 32,548 | $4.00B | $122,833 | $6,223 | $344 |
| Bath & Body Works, Inc. 401(k) Savings and Retirement Plan | L Brands Service Company LLC | DC | 30,989 | $1.22B | $39,239 | $1,071 | $46.61 |
| Laborers District Council & Contractors Pension Fund of Ohio | BD of Trustees, Laborers Dist Council & Constrs Pension Fund | DB | 30,539 | $2.69B | $88,040 | $6,524 | $519 |
| Nationwide Retirement Plan - Account Balance | Nationwide Mutual Insurance Company | DB | 28,800 | $908M | $31,522 | $8,245 | — |
| Keycorp 401(k) Savings Plan | Keycorp | DC | 28,272 | $4.13B | $146,050 | $5,822 | $191 |
| Marathon Petroleum Thrift Plan | Marathon Petroleum Company LP | DC | 28,057 | $8.33B | $296,722 | $9,840 | $63.77 |
| The Communicare Employee's 401(k) Plan | Health Care Facilities Staffing, LLC | DC | 27,570 | $117M | $4,226 | $125 | $8.04 |
| Signet Jewelers Retirement Savings Plan | Sterling Jewelers Inc. | DC | 27,491 | $742M | $26,993 | $537 | $38.02 |
| The Huntington 401(k) Plan | Huntington Bancshares Incorporated | DC | 26,640 | $2.84B | $106,552 | $3,161 | $63.46 |
| Fifth Third Bancorp 401(k) Savings Plan | Fifth Third Bancorp | DC | 25,787 | $4.01B | $155,341 | $6,042 | $66.72 |
| Nationwide Children's Hospital Defined Contribution Plan | Nationwide Children's Hospital, Inc. | DC | 25,761 | $1.02B | $39,558 | $4,022 | $23.41 |
| Children's Hospital Medical Center Employee Savings Plan | Children's Hospital Medical Center | DC | 25,326 | $2.03B | $79,972 | $1,827 | $25.97 |
| Flynn Restaurant Group 401(k) Retirement Plan | Flynn Restaurant Group LP | DC | 25,164 | $119M | $4,711 | $107 | $15.39 |
| The CCHS Retirement Plan | The Cleveland Clinic Foundation | DB | 24,365 | $1.04B | $42,851 | $268 | — |
| Children's Hospital Medical Center Retirement Plan | Children's Hospital Medical Center | DB | 23,634 | $1.21B | $51,134 | — | $46.74 |
| Marathon Petroleum Retirement Plan | Marathon Petroleum Company LP | DB | 23,452 | $2.21B | $94,083 | $10,573 | $135 |
| Nationwide Children's Hospital Inc. 403(b) Tax Sheltered Annuity Plan | Nationwide Children's Hospital | DC | 22,556 | $841M | $37,300 | $3,672 | $22.79 |
| R&L Carriers, Inc. 401(k) Retirement Savings Plan | R&L Carriers, Inc. | DC | 22,449 | $472M | $21,042 | $608 | $23.13 |
| Big Lots Savings Plan | Big Lots, Inc. | DC | 22,279 | $312M | $14,011 | $361 | $26.19 |
| Aep Retirement Savings 401(k) Plan | American Electric Power Service Corporation | DC | 21,396 | $5.22B | $243,927 | $4,973 | $326 |
| The Goodyear Tire & Rubber Company 1950 Pension Plan | The Goodyear Tire & Rubber Company | DB | 21,375 | $2.12B | $99,101 | — | — |
| Safelite Group Associates' Retirement Savings Plan | Safelite Group, Inc. | DC | 21,015 | $719M | $34,214 | $1,315 | $88.02 |
| Jo-Ann Stores, LLC 401(k) Savings Plan | Jo-Ann Stores, LLC | DC | 20,431 | $182M | $8,931 | $55 | $9.70 |
| Ohio Operating Engineers Pension Plan | Ohio Operating Engineers Pension Plan | DB | 20,036 | $3.74B | $186,873 | $10,401 | $440 |
| Nestle Pension Plan | Nestle USA, Inc. | DB | 19,961 | $1.68B | $84,259 | $4,780 | — |
| Nationwide Retirement Plan - Final Average Pay | Nationwide Mutual Insurance Company | DB | 19,904 | $3.46B | $173,747 | $21,893 | — |
| Trihealth 401(k) Retirement Savings Plan | Trihealth, Inc. | DC | 19,369 | $1.39B | $71,710 | $4,100 | $88.11 |
| Victoria's Secret & Co. 401(k) Savings and Retirement Plan | VS Service Company, LLC | DC | 18,729 | $893M | $47,655 | $1,930 | $74.18 |
| Promedica Health System, Inc. 401(k) Plan | Promedica Health System, Inc. | DC | 18,391 | $1.58B | $86,163 | $1,873 | $49.07 |
| Ta Operating LLC 401(k) Savings Plan | Ta Operating LLC | DC | 18,350 | $183M | $9,978 | $146 | $41.29 |
| Group Management Services, Inc. 401(k) Profit Sharing Plan & Trust | Group Management Services, Inc. | DC | 18,123 | $420M | $23,154 | $1,160 | $83.90 |
| United Food & Commercial Workers Union Local 880 - Retail Food Employers Joint Pension Fund | United Food & Commercial Workers Union Local 880 - Retail Food | DB | 17,755 | $460M | $25,925 | $4,013 | $133 |
By plan size
By industry
By plan year
Questions and answers
How many retirement plans are there in Ohio?
3,127 plans with 100 or more participants filed Form 5500 for plan year 2024, out of 5,001 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 Ohio?
The median defined contribution plan reported $53,442 in net assets per participant (middle half of plans: $28,251 to $95,615); 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 Ohio?
The median defined contribution plan received $2,032 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 Ohio?
Among defined contribution plans that report any Schedule C compensation, the median was $135 per participant and 0.28% 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.