State · sponsors with a West Virginia filing address
Retirement plans in West Virginia
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, 247 retirement plans based in West Virginia with 100 or more participants filed Form 5500: 215 defined contribution and 32 defined benefit. They reported 268,758 participant records and $16.2B in net assets, counting every plan on the form.
The median defined contribution plan held $41,974 per participant, well below the national median of $53,031, and its employer put in $2,069 per active participant (national: $2,174). Among plans reporting Schedule C compensation the median was $113 per participant against $123 nationally.
Employers contributed $559M and participants $474M during the year, and the plans paid out $1.37B in benefits.
In 2009 the same group numbered 316 plans with $5.77B; by 2024 it was 247 plans (down 22%) and $16.2B (up 181%). 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, 2,325 small plans based in West Virginia filed the short Form 5500-SF for 2024, with 65,360 participants and $4.41B 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 | WV: DC | US: DC | WV: DB | US: DB |
|---|---|---|---|---|
| Net assets per participant | $41,974 | $53,031 | $90,740 | $86,234 |
| Employer contributions per active participant | $2,069 | $2,174 | $8,436 | $10,244 |
| Schedule C compensation per participant | $113 | $123 | $335 | $344 |
| Schedule C compensation, share of net assets | 0.27% | 0.26% | 0.44% | 0.42% |
| Administrative expenses per participant | $111 | $116 | $556 | $527 |
Medians across plans with 100 or more participants (210 DC and 32 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 | $22,198 | $41,974 | $77,697 | 210 |
| Employer contributions per active participant | $1,031 | $2,069 | $3,625 | 200 |
| Schedule C compensation per participant | $44.57 | $113 | $198 | 185 |
| Administrative expenses per participant | $37.85 | $111 | $201 | 201 |
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 | 31 | 22,003 | $2.00B | $52.4M | $49.9M | $87,650 | $117 |
| 2024 | 247 | 268,758 | $16.2B | $559M | $474M | $41,974 | $113 |
| 2023 | 260 | 262,038 | $14.7B | $542M | $422M | $38,685 | $99.59 |
| 2022 | 298 | 255,018 | $12.2B | $433M | $375M | $30,972 | $83.60 |
| 2021 | 305 | 245,222 | $14.1B | $409M | $343M | $34,772 | $94.22 |
| 2020 | 300 | 232,659 | $12.4B | $346M | $308M | $30,883 | $80.55 |
| 2019 | 304 | 243,768 | $11.4B | $460M | $299M | $29,545 | $70.28 |
| 2018 | 298 | 225,345 | $9.27B | $437M | $260M | $25,687 | $68.67 |
| 2017 | 299 | 221,746 | $9.63B | $347M | $234M | $27,805 | $52.66 |
| 2016 | 306 | 225,233 | $8.57B | $323M | $222M | $25,340 | $50.10 |
| 2015 | 298 | 223,698 | $7.94B | $359M | $220M | $23,945 | $52.78 |
| 2014 | 304 | 229,260 | $8.68B | $362M | $209M | $24,472 | $51.63 |
| 2013 | 299 | 219,043 | $8.06B | $342M | $184M | $24,406 | $46.88 |
| 2012 | 312 | 222,063 | $7.01B | $315M | $178M | $20,975 | $38.44 |
| 2011 | 311 | 215,310 | $6.09B | $299M | $176M | $18,945 | $39.07 |
| 2010 | 309 | 209,583 | $6.25B | $298M | $165M | $18,895 | $39.09 |
| 2009 | 316 | 219,308 | $5.77B | $294M | $166M | $16,873 | $40.18 |
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 248 plans on this page's list, by number of plans. A plan usually names several providers.
Largest plans
The 60 largest by participants of 248 plans with a page on this site.
| Plan | Sponsor | Type | Participants | Net assets | Per participant | Employer / active | Sch. C / participant |
|---|---|---|---|---|---|---|---|
| West Virginia University Health System 403(b) Retirement Savings Plan | Wvu Health System | DC | 39,825 | $1.75B | $44,013 | $2,137 | $51.89 |
| West Virginia Laborers Profit Sharing Plan | West Virginia Laborers | DC | 14,955 | $155M | $10,372 | $2,019 | $36.56 |
| Vandalia Health System 401(k) Retirement Savings P | Vandalia Health, Inc. | DC | 14,726 | $853M | $57,914 | $2,883 | $75.78 |
| I.U.O.E. Local #132 Annuity & Savings Fund | I.U.O.E. #132 Annuity & Savings FD | DC | 9,568 | $105M | $10,957 | $1,136 | $56.85 |
| West Virginia Laborers Pension Trust Fund | West Virginia Laborers Pension Trust Fund | DB | 7,245 | $567M | $78,241 | $8,516 | $271 |
| American Public Education Retirement Plan | American Public Education Inc. | DC | 7,134 | $303M | $42,495 | $1,066 | $1.32 |
| West Virginia University Health System 401(k) Plan | Wvu Health System | DC | 5,415 | $255M | $47,170 | — | $61.14 |
| Employer - Teamsters Local Nos 175 & 505 Pension Trust Fund | Employer - Teamsters Local Nos 175 & 505 Pension Trust Fund | DB | 5,016 | $453M | $90,214 | $18,365 | $320 |
| St. Mary's Medical Center 403(b) Plan | St. Mary's Medical Center, Inc. | DC | 4,467 | $159M | $35,701 | $2,285 | $58.59 |
| Ironworkers Local Union 549 and 550 Security Plan | Ironworkers Local 549/550 Security Plan Board of Trustees | DC | 4,371 | $54.5M | $12,458 | $1,188 | $28.26 |
| I.U.O.E. Local 132 Pension Fund | I.U.O.E. Local 132 Pension Fund | DB | 4,062 | $559M | $137,553 | $12,529 | $576 |
| Gabriel Brothers, Inc. 401(k) Plan | Gabriel Brothers, Inc. | DC | 4,018 | $31.0M | $7,705 | — | $40.78 |
| Maryland Electrical Industry Pension Plan | Maryland Electrical Ind Pension | DB | 3,817 | $288M | $75,487 | $8,391 | $331 |
| Wesbanco, Inc. 401(k) Plan | Wesbanco, Inc. | DC | 3,675 | $300M | $81,666 | $2,548 | $81.23 |
| United Bankshares, Inc. Savings and Stock Investment Plan | United Bankshares, Inc. | DC | 3,439 | $282M | $82,017 | $3,019 | $85.89 |
| Maryland Electrical Industry Severance & Annuity Fund | MD Electrical Industry S&a Fund | DC | 3,376 | $329M | $97,523 | $5,759 | $158 |
| Vandalia Health System 403(b) Plan | Vandalia Health, Inc. | DC | 3,315 | $230M | $69,505 | $80 | $24.83 |
| Orrick, Herrington & Sutcliffe LLP Retirement Plan | Orrick, Herrington & Sutcliffe LLP | DC | 3,040 | $1.18B | $387,201 | $14,983 | $696 |
| Plumbers & Pipefitters Local 152 Retirement Annuit | JT BRD Trustees Plumbers & Pipefitters | DC | 2,943 | $74.9M | $25,467 | $1,151 | $29.81 |
| West Virginia University Medical Corporation Retirement Plan | Wvu Health System | DC | 2,870 | $392M | $136,738 | $12,903 | $77.59 |
| Retirement Plan for Employees of St. Mary's Medical Center | St. Marys Medical Center | DB | 2,831 | $158M | $55,729 | $10,781 | $227 |
| West Virginia University Medical Corporation 403(b) Plan | Wvu Health System | DC | 2,694 | $328M | $121,643 | — | $77.69 |
| Cabell Huntington Hospital, Inc. Non-Bargaining 401(k) Retirement Plan | Cabell Huntington Hospital, Inc. | DC | 2,661 | $125M | $47,008 | $2,296 | $111 |
| Cabell Huntington Hospital, Inc. Employees' Retirement Plan | Cabell Huntington Hospital Inc. | DB | 2,446 | $259M | $105,719 | $985 | $93.75 |
| University Physicians and Surgeons, Inc. Retirement Plan | University Physicians & Surgeons, Inc. | DC | 2,406 | $167M | $69,287 | — | $25.91 |
| Little General Store, Inc. 401(k) Plan | Little General Store, Inc. | DC | 2,323 | $8.2M | $3,515 | $112 | $0.61 |
| United Mine Workers of America 1985 Construction Workers Pension Plan | Board of Trustees of the Umwa 1985 Construction Workers | DB | 2,281 | $469M | $205,517 | — | $913 |
| University Physicians & Surgeons, Inc. 401(a) TIAA-CREF Retirement Plan | University Physicians & Surgeons, Inc. | DC | 2,260 | $107M | $47,304 | $3,946 | $11.29 |
| Mulberry's Independent Home Services, Inc. Employee Stock Ownership Plan | Mulberry's Independent Home Services, Inc. | DC | 2,231 | $34.8M | $15,588 | $769 | — |
| Williams Lea LLC 401(k) Savings Plan | Williams Lea LLC | DC | 1,925 | $165M | $85,640 | $2,072 | $103 |
| Sheet Metal Workers Local 98 Pension Fund | Board of Trustees - Sheet Metal Workers Local 98 Pension Fund | DB | 1,847 | $169M | $91,266 | $15,136 | $230 |
| Constellium Rolled Products-Ravenswood LLC Hourly Employees Retirement Plan | Constellium Rolled Products-Ravenswood LLC | DB | 1,708 | $159M | $93,229 | $18,871 | $1,214 |
| Weirton Medical Center Supplemental Retirement Income Plan | Weirton Medical Center | DC | 1,678 | $60.6M | $36,139 | $703 | $178 |
| Ironworkers Local 549-550 Pension Plan | Ironworkers Local 549-550 Pension Plan | DB | 1,675 | $215M | $128,547 | $11,582 | $450 |
| Davis Health System 401(k) Profit Sharing Plan | Davis Memorial Hospital | DC | 1,602 | $34.3M | $21,429 | $550 | $72.70 |
| Coronado Coal LLC 401(k) Profit Sharing Plan | Coronado Coal LLC | DC | 1,562 | $75.7M | $48,463 | $3,928 | $113 |
| Sheet Metal Workers Union Local NO.24 Columbus Area Retirement Savings Plan | SMW Union Local No. 24 Columbus | DC | 1,496 | $47.6M | $31,848 | $4,810 | $130 |
| West Virginia University Research Corporation 403(b) Defined Contribution Plan | West Virginia University Research Corp. | DC | 1,400 | $46.5M | $33,200 | — | $14.63 |
| The Ogden Newspapers, Inc. 401(k) Plan | The Ogden Newspapers, Inc. | DC | 1,399 | $115M | $82,136 | $389 | $110 |
| Monongalia Health System, Inc. Retirement Plan | Monongalia Health System, Inc. | DB | 1,288 | $167M | $129,915 | $8,481 | $173 |
| Village Caregiving, LLC 401(k) Plan | Village Caregiving, LLC | DC | 1,271 | $491K | $387 | $125 | — |
| Mountain State Auto Auction in 401(k) Profit Sharing Plan & Trust | Mountain State Auto Auction in | DC | 1,241 | $12.4M | $10,004 | $636 | $44.57 |
| The Greer 401(k) Plan | Greer Industries, Inc. | DC | 1,240 | $51.4M | $41,478 | $1,729 | $173 |
| City Holding Company 401(k) Plan and Trust | City Holding Company | DC | 1,156 | $108M | $93,411 | $1,408 | $100 |
| Cabell Huntington Hospital, Inc. Bargaining 401(k) Retirement Plan | Cabell Huntington Hospital, Inc. | DC | 1,149 | $22.5M | $19,605 | $1,063 | $95.99 |
| Plumbers & Pipefitters Local 625 Local Pension | Plumbers & Pipefitters Local 625 | DC | 1,089 | $13.0M | $11,904 | $1,413 | $123 |
| United Bankshares, Inc. Pension Plan | United Bankshares, Inc. | DB | 1,063 | $183M | $172,187 | — | $349 |
| Go-Mart, Inc. 401(k) Plan | Go-Mart, Inc. | DC | 1,035 | $12.9M | $12,438 | $123 | $42.65 |
| Local Union 317 Electrical Pension Plan | JT BRD of Trustees of Local Union 317 Electrical Pension Plan | DC | 1,014 | $200M | $197,522 | $12,026 | $110 |
| IBEW 648 Pension Plan | IBEW 648 Pension Plan | DB | 935 | $90.0M | $96,240 | $19,125 | $508 |
| Defelicegroup, Inc. Retirement Plan | Defelicegroup, Inc. | DC | 924 | $1.2M | $1,246 | $141 | — |
| Steptoe & Johnson PLLC 401(k) Plan | Steptoe & Johnson PLLC | DC | 919 | $189M | $205,526 | $8,925 | $151 |
| IBEW Local 575 Pension Fund | Joint Board of Trustees of IBEW Local 575 Pension Fund | DC | 914 | $110M | $120,846 | $12,665 | $278 |
| State Electric Supply Company Employees' Retirement and Savings Plan | State Electric Supply Company | DC | 891 | $69.5M | $78,011 | $3,799 | $8.32 |
| Davis Health System 403(b) Retirement Plan | Davis Health System, Inc. | DC | 827 | $4.1M | $4,983 | — | — |
| The Fiesta Tableware Company and the United Steel, and Forestry, Rubber, Manufacturing, Energy, Allie Service Workers Intl Union Local 419M | The Fiesta Tableware Company | DC | 819 | $8.1M | $9,931 | $260 | $85.46 |
| The Greenbrier Savings and Investment Plan | Greenbrier Hotel Corporation | DC | 801 | $18.5M | $23,146 | $426 | $43.67 |
| University of Charleston Retirement Plan | The University of Charleston Inc. | DC | 773 | $50.8M | $65,756 | $3,823 | $1.68 |
| Plumbers & Steamfitters Local 565 Pension Plan | Plumbers & Steamfitters Local 565 | DC | 765 | $35.4M | $46,337 | $3,577 | $169 |
| Choice Investments Savings Plan | Extra Energy, Inc. | DC | 752 | $12.6M | $16,739 | $3,288 | — |
By plan size
By industry
By plan year
Questions and answers
How many retirement plans are there in West Virginia?
247 plans with 100 or more participants filed Form 5500 for plan year 2024, out of 369 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 West Virginia?
The median defined contribution plan reported $41,974 in net assets per participant (middle half of plans: $22,198 to $77,697); 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 West Virginia?
The median defined contribution plan received $2,069 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 West Virginia?
Among defined contribution plans that report any Schedule C compensation, the median was $113 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.