Plan Ledger DOL Form 5500 · updated monthly

Union Pacific Corporation401(k)

UNION PACIFIC CORPORATION THRIFT PLAN · OMAHA, NE · plan year 2024

Reported admin expense ratio · 2024
0.04%

Peer grade: B · admin costs + employer contributions vs same-size plans · how grading works

Union Pacific Corporation reported $994,447 in plan administrative expenses for 2024: 0.04% of average plan assets, below the peer median. Employer contributions averaged $5,239 per active participant. This ratio covers administrative expenses reported on the plan's Schedule H only; fund-level expense ratios are not included in public structured data — see methodology.

Across the 2 years on file its reported administrative ratio rose from 0.041% to 0.044%. The plan sits in the over $1B size bracket, benchmarked here against 1,229 comparable plans and shown alongside other transportation & warehousing employers. By assets it is the 4th-largest of 565 plans among Nebraska employers on file, and the 18th of 2,677 in transportation & warehousing. In 2024, employees put in $1.89 for every $1.00 the employer contributed.

Plan summary
Net assets, end of year$2,304,431,309
Participants with balances8,373
Active participants5,184
Employer contributions$27,158,761
Employee contributions$51,319,354
Employer contribution per active participant$5,239
Average account balance$275,222
Benefits paid to participants$259,809,533
Plan auditUnmodified (clean) audit opinion
Plan history3
Yearassets · accounts · employer contribution
2024$2.3B · 8,373 accts · $27.2M emplr
2023$2.3B · 8,737 accts · $25.6M emplr
2022$2.0B · 8,901 accts · $22.4M emplr
Administrative expenses, itemized · 2024
Investment management$775,348
Trustee / custodial$219,099
Total administrative$994,447
The Union Pacific Corporation 401(k) match · 2024
Employer contribution per active participant$5,239
Median for plans this size$5,259
2024$5,239 per active participant
2023$4,784 per active participant
2022$4,088 per active participant

Union Pacific Corporation's 2024 employer contribution ran below the $5,259 median for plans its size. Filings report dollars actually contributed, not the match formula; the formula itself (for example, 50% of the first 6% of pay) lives in the plan's summary plan description from HR.

What these fees cost you

Annual cost at the plan's reported 2024 administrative ratio, against the median plan its size; fund expense ratios are extra. Compare any plan.

Service providers · 20242
THE VANGUARD GROUP, INC · Recordkeeping · Trustee (directed)$234,140
VANGUARD ADVISERS INC · Investment advisory (participants)$775,348

Compensation shown is direct payments from plan assets reported on Schedule C. Providers paid through fund revenue-sharing appear as indirect.

Recordkeeper by year2
2024Vanguard
2023Vanguard

Looking for an account from a past job here? How to find an old 401(k).

Administrative cost history3
2024$994,447 · 0.04%
2023$978,482 · 0.05%
2022$938,003 · 0.04%
Same employer
Similar plansTransportation & Warehousing · Nebraska
Netjets Aviation, Inc. OH$2.5B · 0.07%
Reyes Holdings, L.L.C. IL$2.1B · 0.09%
Xpo Cnw, Inc. OR$1.9B · 0.02%

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Source: U.S. Department of Labor, Form 5500 series, EIN 132626465 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.