State · sponsors with a Utah filing address
Retirement plans in Utah
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.
685 retirement plans based in Utah with 100 or more participants filed Form 5500 for plan year 2024 (666 defined contribution, 19 defined benefit). All Form 5500 pension filers in the group reported 1,013,670 participant records and $58.7B in net assets.
The median defined contribution plan held $43,432 per participant, below the national median of $53,031, and its employer put in $2,226 per active participant (national: $2,174). Among plans reporting Schedule C compensation the median was $132 per participant against $123 nationally.
Employers contributed $1.69B and participants $2.67B during the year, and the plans paid out $5.13B in benefits.
In 2009 the same group numbered 544 plans with $17.8B; by 2024 it was 685 plans (up 26%) and $58.7B (up 231%). 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, 6,387 small plans based in Utah filed the short Form 5500-SF for 2024, with 181,669 participants and $7.71B 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 | UT: DC | US: DC | UT: DB | US: DB |
|---|---|---|---|---|
| Net assets per participant | $43,432 | $53,031 | $85,750 | $86,234 |
| Employer contributions per active participant | $2,226 | $2,174 | $6,720 | $10,244 |
| Schedule C compensation per participant | $132 | $123 | $448 | $344 |
| Schedule C compensation, share of net assets | 0.36% | 0.26% | 0.56% | 0.42% |
| Administrative expenses per participant | $127 | $116 | $596 | $527 |
Medians across plans with 100 or more participants (643 DC and 19 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 | $20,854 | $43,432 | $75,520 | 643 |
| Employer contributions per active participant | $1,108 | $2,226 | $3,889 | 621 |
| Schedule C compensation per participant | $63.65 | $132 | $232 | 597 |
| Administrative expenses per participant | $58.03 | $127 | $215 | 622 |
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 | 103 | 149,475 | $13.1B | $409M | $562M | $54,687 | $130 |
| 2024 | 685 | 1,013,670 | $58.7B | $1.69B | $2.67B | $43,432 | $132 |
| 2023 | 715 | 995,439 | $53.8B | $1.55B | $2.45B | $36,818 | $111 |
| 2022 | 800 | 962,522 | $46.0B | $1.36B | $2.15B | $27,419 | $108 |
| 2021 | 747 | 881,785 | $53.0B | $1.49B | $1.85B | $33,598 | $125 |
| 2020 | 743 | 841,610 | $46.5B | $1.50B | $1.63B | $31,902 | $104 |
| 2019 | 726 | 818,508 | $40.1B | $1.37B | $1.47B | $27,254 | $96.13 |
| 2018 | 705 | 820,887 | $36.3B | $1.45B | $1.36B | $23,981 | $89.62 |
| 2017 | 665 | 791,975 | $38.3B | $1.37B | $1.22B | $27,009 | $81.75 |
| 2016 | 637 | 780,385 | $34.7B | $1.41B | $1.13B | $23,576 | $63.55 |
| 2015 | 597 | 749,236 | $31.7B | $1.20B | $1.03B | $23,158 | $57.62 |
| 2014 | 589 | 690,450 | $31.8B | $1.33B | $897M | $25,272 | $49.42 |
| 2013 | 552 | 670,308 | $29.6B | $1.08B | $831M | $23,724 | $39.87 |
| 2012 | 540 | 659,337 | $25.4B | $1.22B | $767M | $20,773 | $30.54 |
| 2011 | 524 | 622,771 | $19.9B | $1.21B | $662M | $18,144 | $28.26 |
| 2010 | 541 | 614,396 | $20.8B | $1.11B | $670M | $18,588 | $30.16 |
| 2009 | 544 | 614,014 | $17.8B | $853M | $642M | $15,685 | $24.75 |
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 688 plans on this page's list, by number of plans. A plan usually names several providers.
Largest plans
The 60 largest by participants of 688 plans with a page on this site.
| Plan | Sponsor | Type | Participants | Net assets | Per participant | Employer / active | Sch. C / participant |
|---|---|---|---|---|---|---|---|
| Intermountain Health 401(k) Plan | Intermountain Health Care, Inc. | DC | 86,655 | $6.83B | $78,839 | $3,123 | $112 |
| Intermountain Health 403(b) Plan | Intermountain Health Care, Inc. | DC | 47,089 | $342M | $7,256 | — | $4.16 |
| Deseret 401(k) Plan | Deseret Mutual Benefit Administrators | DC | 41,648 | $7.21B | $173,161 | $7,673 | $21.11 |
| Intermountain Healthcare Pension Plan | Intermountain Health Care, Inc. | DB | 40,022 | $3.04B | $75,979 | — | $480 |
| Deseret Mutual Master Retirement Plan | Deseret Mutual Benefit Administrators | DB | 32,235 | $6.96B | $215,940 | — | $302 |
| Providence Administrative Consulting Services Inc. 401(k) Profit Sharing Plan and Trust | Providence Administrative Consulting Services Inc. | DC | 30,857 | $199M | $6,440 | $103 | $11.37 |
| Retail Food Employers & UFCW Local 711 Pension | Board of Trustees Retail Food Employers & UFCW Local 711 Pension | DB | 23,475 | $366M | $15,601 | $2,432 | $126 |
| Skywest, Inc. Employees' Retirement Plan | Skywest, Inc. | DC | 19,619 | $1.68B | $85,565 | $4,203 | $44.22 |
| R1 RCM Holdco Inc. 401(k) Plan | R1 RCM Holdco Inc. | DC | 18,646 | $665M | $35,647 | $1,567 | $68.71 |
| Tpusa 401(k) Plan | Tpusa, Inc. | DC | 16,042 | $87.1M | $5,428 | $97 | $32.03 |
| FJ Management Inc. 401(k) Plan | FJ Management Inc. | DC | 15,777 | $279M | $17,661 | $1,769 | $52.42 |
| Zions Bancorporation, N.A. Payshelter 401(k) and Employee Stock Ownership Plan | Zions Bancorporation, National Association | DC | 14,957 | $1.89B | $126,066 | $4,881 | $55.37 |
| SHC Services, Inc. 401(k) Plan | SHC Services, Inc. | DC | 11,865 | $97.8M | $8,244 | $0 | $25.93 |
| Helpside Inc. 401(k) Plan | Helpside Inc. | DC | 11,489 | $234M | $20,362 | $1,204 | $185 |
| Wgu Retirement Savings Plan | Wgu Corporation | DC | 11,166 | $533M | $47,708 | $3,678 | $106 |
| Resource Management, Inc. 401(k) Plan | Resource Management, Inc. | DC | 9,893 | $297M | $30,068 | $1,400 | $179 |
| Pea(k) Utah's Pooled Employer 401(k) Plan | United 401(k) Plans, Inc. DBA | DC | 9,619 | $142M | $14,734 | $1,120 | $157 |
| Extra Space Management, Inc. 401(k) Plan | Extra Space Management, Inc. | DC | 9,480 | $211M | $22,264 | $1,048 | $46.48 |
| Sportsman's Warehouse 401(k) Savings Plan Plan | Sportsman's Warehouse Holdings, Inc. | DC | 9,461 | $37.4M | $3,956 | $546 | $43.76 |
| CHG Companies, Inc. Employee 401(k) Plan | CHG Companies, Inc. | DC | 8,887 | $513M | $57,773 | $2,101 | $53.66 |
| Sorenson Communications, LLC. 401(k) Profit Sharing Plan | Sorenson Communications LLC. | DC | 8,819 | $317M | $35,892 | $2,411 | $9.52 |
| C. R. England, Inc. Profit Sharing | C.R. England, Inc. | DC | 8,296 | $121M | $14,564 | $243 | $27.51 |
| Management & Training Corporation Retirement Plan | Management & Training Corporation | DC | 7,947 | $219M | $27,544 | $1,629 | $84.43 |
| Swire Coca-Cola 401(k) Plan | Swire Pacific Holdings Inc. | DC | 7,904 | $414M | $52,431 | $2,814 | $84.75 |
| Rio Tinto America Inc. Retirement Plan | Rio Tinto America Inc. | DB | 7,443 | $638M | $85,750 | — | $483 |
| Alsco 401(k) Savings Plan | Alsco Inc. | DC | 6,941 | $346M | $49,824 | $2,369 | $51.33 |
| Harmon City, Inc. 401(k) Retirement Savings Plan | Harmon City, Inc. | DC | 6,501 | $97.8M | $15,048 | $456 | $53.54 |
| Garff Companies 401(k) Retirement Savings Plan | Garff Enterprises, Inc. | DC | 6,180 | $213M | $34,414 | $607 | $124 |
| Cotiviti Savings Plan | Cotiviti Intermediate Holding Corp. | DC | 5,873 | $448M | $76,331 | $2,985 | $74.96 |
| Autoliv Asp, Inc. Employee Savings and Investment Plan | Autoliv Asp, Inc. | DC | 5,509 | $687M | $124,670 | $3,915 | $111 |
| Western States Lodging Employee Savings Plan | Western States Lodging & Management L.C. | DC | 5,356 | $22.7M | $4,232 | $225 | $26.33 |
| Powdr Corp. 401(k) Plan | Powdr Corp. | DC | 5,215 | $39.4M | $7,558 | $600 | $36.72 |
| Clyde Companies, Inc. 401(k) Retirement Plan | Clyde Companies, Inc. | DC | 5,100 | $326M | $63,977 | $7,086 | $124 |
| Reh Services 401(k) Plan | Reh Services, LLC | DC | 5,074 | $175M | $34,560 | $882 | $37.41 |
| Savage Companies Retirement & Employee Savings Plan | Savage Companies | DC | 5,002 | $346M | $69,133 | $1,951 | $126 |
| The Leavitt Group Profit Sharing and Retirement Savings Employee Stock Ownership Plan | Leavitt Group Enterprises, Inc. | DC | 4,854 | $244M | $50,295 | $1,941 | $132 |
| Larry H. Miller Associates Retirement Plan | LHM Adm Ben, Inc. | DC | 4,825 | $128M | $26,571 | $593 | $72.79 |
| Savage Companies Retirement & Employee Savings Plan | Savage Enterprises LLC | DC | 4,823 | $393M | $81,504 | $2,214 | $135 |
| Qualtrics 401(k) Plan | Qualtrics LLC | DC | 4,640 | $446M | $96,068 | $8,495 | $36.06 |
| Aptive Environmental 401(k) Plan | Aptive Environmental, LLC | DC | 4,293 | $14.4M | $3,348 | $431 | $18.34 |
| Intermountain Ironworkers' Tax Deferral Plan | Intermountain Ironworkers Tax Deferral Plan | DC | 4,292 | $118M | $27,588 | $2,637 | $67.49 |
| Mountain America Federal Credit Union 401(k) Plan | Mountain America Federal Credit Union | DC | 4,282 | $247M | $57,660 | $3,120 | $95.04 |
| Eduro Healthcare Retirement Plan | Eduro Healthcare, LLC | DC | 4,225 | $27.9M | $6,593 | $547 | $122 |
| Healthequity 401(k) Plan | Healthequity, Inc. | DC | 4,087 | $297M | $72,658 | $2,762 | $80.55 |
| America First Credit Union 401(k) Plan and Trust | America First Credit Union DBA America First Credit Union | DC | 4,018 | $143M | $35,585 | $724 | $93.64 |
| Myriad Genetics, Inc. 401(k) Profit Sharing Plan | Myriad Genetics, Inc. | DC | 3,909 | $458M | $117,195 | $3,741 | $50.42 |
| Merit Medical Systems, Inc. 401(k) Profit Sharing Plan | Merit Medical Systems, Inc. | DC | 3,892 | $251M | $64,582 | $1,644 | $52.63 |
| Amc, LLC 401(k) Plan | Apartment Management Consultants, LLC | DC | 3,794 | $23.4M | $6,180 | $76 | $38.17 |
| Dyno Nobel Inc. and Subsidiaries Tax-Favored Retirement Savings and Investment Plan | Dyno Nobel Inc. | DC | 3,697 | $350M | $94,764 | $5,103 | $98.08 |
| Cafe Rio, Inc. 401(k) Plan | Cafe Rio, Inc. | DC | 3,674 | $16.7M | $4,542 | $297 | $30.54 |
| Bristol Hospice 401(k) Plan | Bristol Hospice | DC | 3,674 | $49.2M | $13,379 | $494 | $57.28 |
| Stratus.hr Retirement Plan | Stratus.hr | DC | 3,673 | $63.7M | $17,334 | $1,184 | $85.90 |
| America First Credit Union Pension Plan | America First Credit Union | DB | 3,585 | $600M | $167,262 | $6,185 | $550 |
| Associated Food Stores, Inc. 401(k) Plan and Trust | Afs Holdings, Inc. | DC | 3,513 | $208M | $59,296 | $1,711 | $44.47 |
| Conservice, LLC 401(k) Profit Sharing Plan and Trust | Conservice, LLC | DC | 3,433 | $67.7M | $19,709 | $920 | $52.28 |
| Rio Tinto America Inc. 401(k) Savings Plan and Investment Partnership Plan | Rio Tinto America Inc. | DC | 3,300 | $687M | $208,180 | $13,112 | $47.62 |
| Snowbird Employee Retirement Savings Plan | Snowbird Operations LLC | DC | 3,134 | $43.1M | $13,767 | $202 | $4.75 |
| GC Services Limited Partnership Employees' Profit Sharing Plan | GC Services Limited Partnership | DC | 3,076 | $61.9M | $20,129 | $0 | $6.85 |
| Trucordia 401(k) Plan | Trucordia Insurance Services, LLC | DC | 3,058 | $139M | $45,486 | $1,903 | $91.40 |
| Intermountain Ironworkers Pension Trust | Board of Trustees Intermountain Ironworkers Pension Trust | DB | 2,975 | $161M | $54,151 | $17,925 | $327 |
By plan size
By industry
By plan year
Questions and answers
How many retirement plans are there in Utah?
685 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 Utah?
The median defined contribution plan reported $43,432 in net assets per participant (middle half of plans: $20,854 to $75,520); 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 Utah?
The median defined contribution plan received $2,226 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 Utah?
Among defined contribution plans that report any Schedule C compensation, the median was $132 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.