State · sponsors with a Texas filing address
Retirement plans in Texas
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, 4,853 retirement plans based in Texas with 100 or more participants filed Form 5500: 4,552 defined contribution and 301 defined benefit. They reported 9,875,045 participant records and $965.4B in net assets, counting every plan on the form.
The median defined contribution plan held $43,277 per participant, below the national median of $53,031, and its employer put in $2,080 per active participant (national: $2,174). Among plans reporting Schedule C compensation the median was $106 per participant against $123 nationally.
Employers contributed $22.9B and participants $32.5B during the year, and the plans paid out $97.9B in benefits.
In 2009 the same group numbered 4,729 plans with $377.1B; by 2024 it was 4,853 plans (up 3%) and $965.4B (up 156%). 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, 43,252 small plans based in Texas filed the short Form 5500-SF for 2024, with 1,230,727 participants and $57.4B 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 | TX: DC | US: DC | TX: DB | US: DB |
|---|---|---|---|---|
| Net assets per participant | $43,277 | $53,031 | $98,269 | $86,234 |
| Employer contributions per active participant | $2,080 | $2,174 | $10,120 | $10,244 |
| Schedule C compensation per participant | $106 | $123 | $354 | $344 |
| Schedule C compensation, share of net assets | 0.27% | 0.26% | 0.35% | 0.42% |
| Administrative expenses per participant | $102 | $116 | $577 | $527 |
Medians across plans with 100 or more participants (4,288 DC and 298 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 | $20,679 | $43,277 | $86,258 | 4,288 |
| Employer contributions per active participant | $965 | $2,080 | $3,921 | 4,061 |
| Schedule C compensation per participant | $45.93 | $106 | $197 | 4,007 |
| Administrative expenses per participant | $42.28 | $102 | $190 | 4,153 |
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 | 700 | 1,275,361 | $146.3B | $3.16B | $5.31B | $59,518 | $126 |
| 2024 | 4,853 | 9,875,045 | $965.4B | $22.9B | $32.5B | $43,277 | $106 |
| 2023 | 4,892 | 9,661,343 | $866.0B | $19.8B | $30.1B | $39,323 | $94.89 |
| 2022 | 5,626 | 9,602,524 | $782.0B | $21.4B | $28.0B | $28,830 | $85.65 |
| 2021 | 5,475 | 9,169,070 | $909.6B | $16.3B | $24.9B | $35,379 | $90.95 |
| 2020 | 5,429 | 8,846,071 | $818.4B | $16.6B | $23.0B | $33,092 | $79.50 |
| 2019 | 5,352 | 9,153,563 | $752.9B | $18.4B | $22.5B | $28,754 | $67.22 |
| 2018 | 5,190 | 8,908,950 | $639.9B | $18.0B | $20.3B | $24,640 | $63.98 |
| 2017 | 5,127 | 8,738,578 | $679.9B | $17.7B | $18.6B | $27,062 | $54.68 |
| 2016 | 5,020 | 8,687,187 | $611.1B | $17.8B | $17.8B | $24,259 | $46.15 |
| 2015 | 4,964 | 8,544,858 | $557.9B | $17.7B | $17.9B | $23,025 | $40.03 |
| 2014 | 4,877 | 8,558,947 | $579.8B | $14.7B | $16.6B | $23,153 | $36.75 |
| 2013 | 4,801 | 8,511,319 | $564.5B | $26.0B | $15.5B | $22,646 | $32.24 |
| 2012 | 4,703 | 8,243,031 | $475.8B | $15.0B | $13.8B | $20,076 | $29.84 |
| 2011 | 4,693 | 8,133,758 | $416.6B | $15.9B | $12.4B | $18,118 | $30.26 |
| 2010 | 4,653 | 8,028,834 | $418.3B | $17.0B | $11.8B | $18,459 | $30.44 |
| 2009 | 4,729 | 8,166,380 | $377.1B | $12.6B | $11.5B | $16,349 | $28.32 |
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 4,881 plans on this page's list, by number of plans. A plan usually names several providers.
Largest plans
The 60 largest by participants of 4,881 plans with a page on this site.
| Plan | Sponsor | Type | Participants | Net assets | Per participant | Employer / active | Sch. C / participant |
|---|---|---|---|---|---|---|---|
| AT&T Pension Benefit Plan | AT&T Inc. | DB | 274,710 | $28.3B | $102,894 | $4,298 | — |
| Insperity 401(k) Plan | Insperity Holdings, Inc. | DC | 231,912 | $9.38B | $40,467 | $2,437 | $40.78 |
| AT&T Retirement Savings Plan | AT&T Inc. | DC | 192,505 | $43.1B | $223,973 | $5,106 | $92.27 |
| Tenet Healthcare Corporation 401(k) Retirement Savings Plan | Tenet Healthcare Corporation | DC | 146,003 | $8.69B | $59,541 | $1,175 | $33.58 |
| H-E-B Partner Stock Plan | H.e.butt Grocery Company | DC | 126,964 | $1.56B | $12,308 | $1,186 | — |
| H-E-B Savings & Retirement Plan | H.e.butt Grocery Company | DC | 122,477 | $4.33B | $35,357 | $1,247 | $31.43 |
| Whole Foods Market Growing Your Future 401(k) Plan | Whole Foods Market, Inc. | DC | 117,275 | $2.44B | $20,769 | $551 | $35.56 |
| American Airlines, Inc. 401(k) Plan | American Airlines, Inc. - Retirement | DC | 114,149 | $16.2B | $141,842 | $4,477 | $82.11 |
| Tesla, Inc. 401(k) Plan | Tesla, Inc. | DC | 95,640 | $3.21B | $33,553 | $1,369 | $38.04 |
| Southwest Airlines Co. Retirement Savings Plan | Southwest Airlines Co. | DC | 87,150 | $18.9B | $216,487 | $6,237 | $41.39 |
| 7-ELEVEN, Inc. 401(k) Plan | 7-ELEVEN, Inc. | DC | 71,029 | $1.05B | $14,724 | $464 | $24.58 |
| Allstate Retirement Plan | The Allstate Corporation | DB | 64,168 | $4.04B | $62,948 | $1,053 | $64.92 |
| J. C. Penney Corporation, Inc. Safe Harbor 401(k) Savings Plan | Penney Opco, LLC | DC | 61,998 | $2.17B | $34,999 | $788 | $20.85 |
| Allstate 401(k) Savings Plan | The Allstate Corporation | DC | 61,370 | $7.62B | $124,160 | $3,191 | $139 |
| Exxonmobil Pension Plan | Exxon Mobil Corporation | DB | 60,890 | $11.2B | $184,201 | $13,497 | $158 |
| Caterpillar 401(k) Savings Plan | Caterpillar Inc. | DC | 59,937 | $23.0B | $384,099 | $11,073 | $161 |
| Chevron Retirement Plan | Chevron Corporation | DB | 59,088 | $9.73B | $164,700 | $20,935 | — |
| Sysco Corporation Employees' 401(k) Plan | Sysco Corporation | DC | 58,747 | $5.25B | $89,362 | $4,169 | $45.13 |
| Dell Inc. 401(k) Plan | Dell Inc. | DC | 58,607 | $14.6B | $249,769 | $6,023 | $71.20 |
| Baylor Scott & White Health Retirement Savings Plan | Baylor Scott & White Holdings | DC | 58,503 | $4.66B | $79,628 | $3,220 | $66.17 |
| Brinker International 401(k) Savings Plan | Brinker International, Inc. | DC | 56,522 | $565M | $9,989 | $305 | $12.68 |
| Cbre 401(k) Plan | Cbre Services, Inc. | DC | 55,809 | $4.93B | $88,323 | $2,821 | $30.07 |
| Quanta Services, Inc. 401(k) Savings Plan | Quanta Services Inc. | DC | 54,016 | $2.20B | $40,746 | $2,103 | $34.62 |
| USAA Retirement Savings Plan | United Services Automobile Association | DC | 53,564 | $10.9B | $203,611 | $8,493 | $11.76 |
| Toyota Motor North America, Inc. Retirement Savings Plan | Toyota Motor North America, Inc. | DC | 52,440 | $13.3B | $254,461 | $8,679 | $32.59 |
| Amn Healthcare 401(k) Retirement Savings Plan | Amn Healthcare, Inc. | DC | 51,897 | $445M | $8,583 | $110 | $12.11 |
| USAA Pension Plan | United Services Automobile Association | DB | 49,301 | $4.28B | $86,844 | — | $131 |
| HP Inc. Pension Plan | HP Inc. | DB | 48,302 | $4.59B | $95,109 | — | $144 |
| Waste Management Retirement Savings Plan | Waste Management, Inc. | DC | 47,129 | $4.08B | $86,523 | $3,148 | $32.21 |
| G & a Partners Multiple Employer 401(k) Plan | G & a Outsourcing, Inc. DBA G & a Partners | DC | 47,029 | $1.40B | $29,782 | $1,876 | $141 |
| The Tax Sheltered Annuity Plan of the Methodist Hospital | The Methodist Hospital | DC | 46,570 | $3.00B | $64,486 | $1,588 | $32.69 |
| The 401(k) Plan | Health Care Service Corporation | DC | 46,212 | $3.92B | $84,744 | $2,293 | $8.37 |
| Aimbridge Parent, Inc. 401(k) Plan | Aimbridge Parent, Inc. | DC | 46,108 | $470M | $10,195 | $164 | $12.74 |
| Schwabplan Retirement Savings and Investment Plan | The Charles Schwab Corporation | DC | 43,502 | $8.93B | $205,327 | $6,786 | $104 |
| Dave & Buster's 401(k) Savings Plan | Dave & Buster's, Inc. | DC | 42,611 | $74.5M | $1,749 | $51 | $5.81 |
| McKesson Corporation 401(k) Retirement Savings Plan | McKesson Corporation | DC | 42,176 | $5.68B | $134,701 | $3,796 | $21.39 |
| Topgolf 401(k) Plan | Topgolf International, Inc. | DC | 41,410 | $126M | $3,051 | $199 | $2.73 |
| Whataburger 401(k) Savings Plan | Whataburger Restaurants LLC | DC | 41,380 | $262M | $6,331 | $275 | $30.82 |
| Laborers National Pension Fund | Board of Trustees of the Laborers National Pension Fund | DB | 40,898 | $1.53B | $37,431 | $8,361 | $124 |
| Accentcare 401(k) Retirement Savings Plan | Accentcare, Inc. | DC | 40,578 | $355M | $8,752 | $154 | $44.21 |
| Memorial Hermann Health System Employees' Retirement Savings Plan | Memorial Hermann Health System | DC | 40,140 | $3.32B | $82,835 | $3,734 | $60.23 |
| The Defined Contribution Plan of the Methodist Hospital | The Methodist Hospital | DC | 39,765 | $1.09B | $27,501 | $3,184 | $37.52 |
| Schlumberger Technology Corporation Savings and Retirement Plan | Schlumberger Technology Corporation | DC | 38,251 | $7.44B | $194,589 | $9,543 | — |
| Caterpillar Inc. Retirement Income Plan | Caterpillar Inc. | DB | 38,251 | $9.19B | $240,355 | — | $64.16 |
| Caliber Holdings LLC Retirement Savings Plan | Wand Newco 3, Inc. | DC | 38,090 | $862M | $22,638 | $1,490 | $34.77 |
| Exxonmobil Savings Plan | Exxon Mobil Corporation | DC | 37,812 | $23.6B | $625,145 | $11,514 | $26.89 |
| Greystar 401(k) Plan | Greystar Management Services, LLC. | DC | 37,076 | $757M | $20,429 | $1,624 | $52.23 |
| Indeed Recruiting Solutions 401(k) Profit-Sharing Plan Trust | Indeed Flex, Inc. | DC | 36,089 | $87K | $2 | $0 | $0.15 |
| The Retirement Benefit Plan of American Airlines, Inc. for Employees Represented by the Transport Workers Union of America, AFL-CIO | American Airlines, Inc. - Retirement | DB | 35,547 | $4.26B | $119,726 | $5,445 | $39.61 |
| Builders Firstsource 401(k) Savings Plan | Builders Firstsource, Inc. | DC | 35,070 | $1.98B | $56,358 | $1,208 | $42.81 |
| Chevron Employee Savings Investment Plan | Chevron Corporation | DC | 35,035 | $20.4B | $581,667 | $14,405 | $91.53 |
| Texas Health 401(k) Retirement Plan | Texas Health Resources | DC | 33,770 | $3.30B | $97,696 | $3,714 | $63.68 |
| HP Inc. 401(k) Plan | HP Inc. | DC | 33,749 | $10.9B | $321,576 | $4,730 | $83.97 |
| One Elara Retirement Plan | BW NHHC Holdco Inc., DBA Elara Caring | DC | 33,307 | $186M | $5,588 | $201 | $16.83 |
| BNSF Railway Company Non-Salaried Employees 401(k) Retirement Plan | BNSF Railway Company | DC | 33,118 | $4.79B | $144,509 | $456 | $10.01 |
| The HCSC Employee Pension Plan | Healthcare Service Corporation, a Mututal Legal Reserve Co. | DB | 32,884 | $2.54B | $77,158 | $2,345 | — |
| The HCSC Employee Pension Plan | Health Care Service Corporation, a Mututal Legal Reserve Co. | DB | 32,884 | $2.54B | $77,158 | $2,345 | — |
| Aecom Retirement & Savings Plan | Aecom | DC | 32,344 | $6.78B | $209,521 | $2,839 | $104 |
| Shell Pension Plan | Shell USA, Inc. | DB | 31,775 | $9.57B | $301,059 | $12,288 | $84,184 |
| Sysco Corporation Retirement Plan | Sysco Corporation | DB | 30,257 | $2.47B | $81,794 | $1,549 | $147 |
By plan size
By industry
By plan year
Questions and answers
How many retirement plans are there in Texas?
4,853 plans with 100 or more participants filed Form 5500 for plan year 2024, out of 9,873 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 Texas?
The median defined contribution plan reported $43,277 in net assets per participant (middle half of plans: $20,679 to $86,258); 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 Texas?
The median defined contribution plan received $2,080 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 Texas?
Among defined contribution plans that report any Schedule C compensation, the median was $106 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.