State · sponsors with a Oklahoma filing address
Retirement plans in Oklahoma
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.
646 retirement plans based in Oklahoma with 100 or more participants filed Form 5500 for plan year 2024 (623 defined contribution, 23 defined benefit). All Form 5500 pension filers in the group reported 1,060,556 participant records and $47.1B in net assets.
The median defined contribution plan held $43,502 per participant, below the national median of $53,031, and its employer put in $1,989 per active participant (national: $2,174). Among plans reporting Schedule C compensation the median was $114 per participant against $123 nationally.
Employers contributed $1.54B and participants $1.82B during the year, and the plans paid out $4.46B in benefits.
In 2009 the same group numbered 643 plans with $27.0B; by 2024 it was 646 plans (unchanged) and $47.1B (up 75%). 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, 5,210 small plans based in Oklahoma filed the short Form 5500-SF for 2024, with 149,024 participants and $8.11B 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 | OK: DC | US: DC | OK: DB | US: DB |
|---|---|---|---|---|
| Net assets per participant | $43,502 | $53,031 | $114,573 | $86,234 |
| Employer contributions per active participant | $1,989 | $2,174 | $12,082 | $10,244 |
| Schedule C compensation per participant | $114 | $123 | $340 | $344 |
| Schedule C compensation, share of net assets | 0.29% | 0.26% | 0.30% | 0.42% |
| Administrative expenses per participant | $113 | $116 | $474 | $527 |
Medians across plans with 100 or more participants (599 DC and 23 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 | $23,875 | $43,502 | $79,902 | 599 |
| Employer contributions per active participant | $1,152 | $1,989 | $3,550 | 588 |
| Schedule C compensation per participant | $51.52 | $114 | $213 | 565 |
| Administrative expenses per participant | $46.01 | $113 | $198 | 576 |
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 | 89 | 147,254 | $9.27B | $302M | $351M | $56,542 | $107 |
| 2024 | 646 | 1,060,556 | $47.1B | $1.54B | $1.82B | $43,502 | $114 |
| 2023 | 652 | 1,101,509 | $42.1B | $1.39B | $1.66B | $38,535 | $102 |
| 2022 | 722 | 1,174,876 | $36.9B | $1.39B | $1.54B | $31,359 | $95.24 |
| 2021 | 731 | 1,159,740 | $42.4B | $1.15B | $1.38B | $40,262 | $104 |
| 2020 | 739 | 673,503 | $38.7B | $1.25B | $1.33B | $35,842 | $84.73 |
| 2019 | 741 | 684,787 | $35.9B | $1.35B | $1.34B | $30,826 | $73.88 |
| 2018 | 721 | 670,957 | $30.3B | $1.37B | $1.23B | $26,900 | $61.19 |
| 2017 | 719 | 662,201 | $31.8B | $1.43B | $1.12B | $28,909 | $54.77 |
| 2016 | 711 | 650,803 | $27.6B | $1.06B | $1.04B | $25,418 | $47.38 |
| 2015 | 710 | 636,817 | $25.7B | $1.14B | $1.08B | $22,991 | $42.71 |
| 2014 | 695 | 641,443 | $26.1B | $1.07B | $1.02B | $22,944 | $38.58 |
| 2013 | 676 | 598,374 | $24.4B | $1.03B | $931M | $21,655 | $35.85 |
| 2012 | 646 | 594,688 | $21.2B | $1.12B | $861M | $20,468 | $36.77 |
| 2011 | 640 | 678,139 | $32.6B | $1.18B | $1.01B | $18,366 | $37.23 |
| 2010 | 646 | 665,828 | $31.9B | $2.13B | $924M | $19,440 | $37.31 |
| 2009 | 643 | 648,936 | $27.0B | $1.23B | $902M | $17,373 | $32.67 |
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 646 plans on this page's list, by number of plans. A plan usually names several providers.
Largest plans
The 60 largest by participants of 646 plans with a page on this site.
| Plan | Sponsor | Type | Participants | Net assets | Per participant | Employer / active | Sch. C / participant |
|---|---|---|---|---|---|---|---|
| Express Employment Professionals 401(k) Retirement Savings Plan | Express Services, Inc. | DC | 400,441 | $2.5M | $6 | $0 | $0.04 |
| Savings Incentive and Profit Sharing Plan for Employees of the Hobby Lobby Group | Hobby Lobby Stores, Inc. | DC | 35,925 | $669M | $18,611 | $686 | $10.43 |
| Love's and Affiliated Companies 401(k) Savings Plan | Love's Travel Stops & Country Stores, Inc. | DC | 32,514 | $540M | $16,610 | $967 | $22.32 |
| Nextep 401(k) Retirement Savings Plan | 899210-01 Nextep, Inc. | DC | 21,230 | $566M | $26,666 | $1,106 | $143 |
| 403(b) Retirement Savings Plan for Integris Health, Inc. | Integris Health, Inc. | DC | 18,131 | $1.12B | $61,521 | $1,656 | $43.49 |
| Quiktrip Corporation Retirement Plan | Quiktrip Corporation | DC | 16,605 | $4.83B | $290,710 | $9,536 | — |
| 401(k) Retirement Savings Plan for Integris Health, Inc. | Integris | DC | 15,443 | $297M | $19,245 | $1,447 | $12.39 |
| Saint Francis Health System, Inc. 401(k) Savings P | Saint Francis Health System Inc. | DC | 15,226 | $1.01B | $66,060 | $3,242 | $25.93 |
| Choctaw Nation of Oklahoma Thrift Plan | Choctaw Nation of Oklahoma | DC | 15,144 | $425M | $28,046 | $1,941 | $22.53 |
| Charleston's Restaurant Group, Inc. Employee Stock Ownership Plan | Charleston's Restaurant Group, Inc. | DC | 14,953 | $47.0M | $3,141 | $107 | — |
| Cherokee Nation Businesses LLC 401(k) Plan | Cherokee Nation Businesses, LLC | DC | 12,033 | $648M | $53,831 | $4,117 | $26.85 |
| Ou Health 401(k) Plan | Ou Medicine, Inc. | DC | 11,359 | $592M | $52,074 | $3,565 | $58.58 |
| Williams Pension Plan | The Williams Companies, Inc. | DB | 10,822 | $1.35B | $125,055 | — | $276 |
| The Helmerich & Payne, Inc. 401(K)/THRIFT Plan | Helmerich & Payne, Inc. | DC | 10,578 | $844M | $79,818 | $4,498 | $109 |
| Chickasaw Nation Governmental Enterprises 401(k) Plan | Chickasaw Nation | DC | 9,528 | $383M | $40,186 | $1,969 | $30.57 |
| Paycom 401(k) Plan | Paycom Payroll, LLC | DC | 8,517 | $322M | $37,857 | $2,669 | $60.93 |
| Pipeline Industry Pension Fund | Pipeline Industry Pension Fund | DB | 8,048 | $1.87B | $232,865 | $14,548 | $461 |
| The Williams Investment Plus Plan | The Williams Companies, Inc. | DC | 7,451 | $1.98B | $265,394 | $11,586 | $70.94 |
| Aaon, Inc. Savings and Investment Plan | Aaon, Inc. | DC | 6,605 | $381M | $57,736 | $4,296 | $78.87 |
| BOK Financial 401(k) Plan | Bokf, NA | DC | 6,556 | $1.33B | $203,034 | $7,251 | $28.40 |
| Pipeline Industry Annuity 401(k) Trust | Pipeline Industry 401(k) Fund | DC | 6,449 | $380M | $58,984 | $7,599 | $71.32 |
| Oneok, Inc. 401(k) Plan | Oneok, Inc. | DC | 5,837 | $1.42B | $242,503 | $13,212 | $6.75 |
| Hilti Retirement Savings Plan | Hilti, Inc. | DC | 5,297 | $686M | $129,431 | $4,928 | $13.05 |
| The Moore 401(k) Retirement Savings Plan | CX Marketing, LLC | DC | 5,011 | $139M | $27,784 | $1,375 | $43.53 |
| Alliance Coal, LLC and Affiliates Profit Sharing and Savings Plan | Alliance Coal, LLC | DC | 4,723 | $639M | $135,272 | $6,776 | $123 |
| American Fidelity Companies Employee Savings Plan | American Fidelity Corporation | DC | 4,644 | $870M | $187,440 | $6,439 | $6.23 |
| One Gas, Inc. 401(k) Plan | One Gas, Inc. | DC | 4,629 | $1.04B | $223,993 | $8,416 | — |
| Integris Health, Inc. Retirement Plan a | Integris Health, Inc. | DB | 4,408 | $424M | $96,212 | $38,471 | $350 |
| Midland Retirement Plan | Midfirst Bank | DC | 4,039 | $486M | $120,234 | $3,862 | $124 |
| Oklahoma State Pipe Trades Annuity Fund | Trustees, Oklahoma State Pipe Trades Annuity Fund | DC | 3,777 | $93.1M | $24,661 | $2,812 | $130 |
| Chesapeake Energy Corporation Savings and Incentive Stock Bonus Plan | Expand Energy Corporation | DC | 3,626 | $640M | $176,444 | $5,277 | $73.78 |
| Devon Energy Corporation Incentive Savings Plan | Devon Energy Corporation | DC | 3,592 | $1.07B | $298,926 | $18,100 | $300 |
| Oge Energy Corp. Employees' Stock Ownership and Retirement Savings Plan | Oge Energy Corp. | DC | 3,357 | $834M | $248,479 | $9,521 | $103 |
| The University of Tulsa Defined Contribution Retirement Plan | The University of Tulsa | DC | 3,129 | $427M | $136,593 | $2,543 | $19.24 |
| Bridges Health 401(k) Plan | Amity Care LLC | DC | 3,107 | $32.3M | $10,398 | $318 | $27.93 |
| Oklahoma Heart Hospital and Affiliates 401(k) Plan | Oklahoma Heart Hospital LLC | DC | 3,075 | $340M | $110,560 | $1,909 | $42.12 |
| W.H. Braum, Inc. Profit Sharing Plus Plan | W.H. Braum, Inc. | DC | 2,912 | $55.2M | $18,967 | $375 | $19.15 |
| Rooney Holdings, Inc. 401(k) Savings Plan | Rooney Holdings, Inc. | DC | 2,832 | $151M | $53,230 | $1,898 | $93.95 |
| Mathis Brothers 401(k) Plan | Mathis Bros. Oklahoma City, LLC | DC | 2,802 | $78.3M | $27,958 | $493 | $95.48 |
| One Gas, Inc. Retirement Plan | One Gas, Inc. | DB | 2,605 | $726M | $278,728 | $8,347 | $890 |
| Spend Life Wisely Company, Inc. Employee Stock Ownership Plan With 401(k) Features | Spend Life Wisely Company, Inc. | DC | 2,596 | $363M | $139,647 | $3,818 | $188 |
| Bancfirst Corporation Thrift Plan | Bancfirst Corporation | DC | 2,577 | $270M | $104,760 | $1,799 | $71.10 |
| Matrix Service Company 401(k) Savings Plan | Matrix Service Company | DC | 2,485 | $216M | $86,795 | $2,646 | $138 |
| Citizen Potawatomi Nation Employee 401(k) Retirement Plan | Citizen Potawatomi Nation | DC | 2,463 | $63.4M | $25,750 | $1,283 | $9.50 |
| Hac, Inc. 401(k) Plan | Hac, Inc. | DC | 2,434 | $28.0M | $11,502 | — | $65.92 |
| Grand Lake Mental Health Center Money Purchase Plan | Grand Lake Mental Health Center | DC | 2,404 | $28.7M | $11,931 | $2,626 | $93.04 |
| Cni Subsidiary 401(k) Plan | Cni Government, LLC | DC | 2,387 | $92.2M | $38,631 | $2,398 | $123 |
| Integris Health, Inc. Retirement Plan B | Integris Health, Inc. | DB | 2,321 | $26.4M | $11,364 | — | $34.33 |
| Oge Energy Corp. Retirement Plan | Oge Energy Corp. | DB | 2,314 | $260M | $112,332 | $18,493 | $340 |
| Bancfirst Corporation Employee Stock Ownership Plan | Bancfirst Corporation | DC | 2,284 | $159M | $69,643 | $3,340 | $14.69 |
| The Nordam Group LLC 401(k) Retirement Plan | The Nordam Group LLC | DC | 2,273 | $251M | $110,601 | $3,946 | $60.92 |
| Supplemental PENSION/401(K) Plan to IBEW LU1141 Retirement and 401(k) Plan | IBEW LU-1141 Pension Trust | DC | 2,218 | $189M | $85,061 | $5,422 | $115 |
| Muscogee Nation Gaming Enterprises 401(k) Plan | Muscogee Nation Gaming Enterprises, LLC | DC | 2,216 | $55.9M | $25,246 | $1,401 | $57.38 |
| Bridges Health Employee Stock Ownership Plan | Bridges ESOP, Inc. | DC | 2,089 | −$34.6M | — | $3,172 | — |
| Inserv 401(k) Plan | Integrated Service Company LLC | DC | 1,968 | $28.6M | $14,548 | $372 | $48.64 |
| Melton Truck Lines, Inc. 401(k) Profit Sharing Plan | The Hawthorn Group, Inc. | DC | 1,918 | $63.6M | $33,168 | $884 | $115 |
| Magellan Pension Plan | Magellan Midstream Holdings GP, LLC | DB | 1,863 | $183M | $98,441 | $12,879 | $19.57 |
| Lopez-Dorada 401(k) Plan | Lopez Food, Inc. | DC | 1,836 | $66.3M | $36,129 | $2,016 | $102 |
| Delaware Nation Companies Retirement Savings Plan | Delaware Nation Economic Development Authority | DC | 1,807 | $38.9M | $21,517 | $1,192 | $86.88 |
| Continental Resources, Inc. 401(k) | Continental Resources, Inc. | DC | 1,803 | $476M | $264,104 | $12,882 | $71.88 |
By plan size
By industry
By plan year
Questions and answers
How many retirement plans are there in Oklahoma?
646 plans with 100 or more participants filed Form 5500 for plan year 2024, out of 1,255 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 Oklahoma?
The median defined contribution plan reported $43,502 in net assets per participant (middle half of plans: $23,875 to $79,902); 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 Oklahoma?
The median defined contribution plan received $1,989 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 Oklahoma?
Among defined contribution plans that report any Schedule C compensation, the median was $114 per participant and 0.29% 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.