The most generous 401(k) employers
Top 100 by employer contribution per active participant · employers with 1,000+ active participants · plan year 2024
How this is measured
Employer contributions actually deposited, divided by active participants, from each employer's 2024 Form 5500. This captures matches, profit-sharing, and ESOP contributions together; the median across all large plans is $3,635 for mid-size plans. Contribution formulas themselves are not in public filings.
Top 100 · 2024
1. ANNUITY BOARD OF THE NFL PLAYER ANNUITY PROGRAM MD$64,540 per participant
2. UNITED PARCEL SERVICE COMPANY KY$53,492 per participant
3. RADIOLOGY PARTNERS INC CA$52,471 per participant
4. DELTA AIR LINES, INC. GA$49,209 per participant
5. ERNST & YOUNG U.S. LLP NJ$45,492 per participant
6. SOUTHWEST AIRLINES COMPANY TX$43,037 per participant
7. UNITED AIRLINES, INC. IL$42,476 per participant
8. AMERICAN AIRLINES, INC. - RETIREMENT TX$41,334 per participant
9. MCMASTER-CARR SUPPLY COMPANY IL$40,646 per participant
10. HAWAIIAN AIRLINES INC. HI$38,242 per participant
11. ALASKA AIRLINES, INC. WA$37,283 per participant
12. UNIVERSITY OF WISCONSIN MEDICAL FOUNDATION, INC WI$36,766 per participant
13. BAIN CAPITAL, LP MA$34,370 per participant
14. SPIRIT AIRLINES, INC. FL$33,892 per participant
15. BILL & MELINDA GATES FOUNDATION WA$31,052 per participant
16. BDO USA, P.C. IL$30,651 per participant
17. SAN MATEO COUNTY ELECTRICAL CONSTRUCTION INDUSTRY RETIREMT PLAN CA$30,172 per participant
18. SUTTER MEDICAL GROUP, INC. CA$30,141 per participant
19. NEUBERGER BERMAN GROUP LLC NY$29,811 per participant
20. BOARD OF TRUSTEES ANNUITY FUND IUOE LOCAL 15, 15A, 15C, 15D AFL-CIO NY$29,533 per participant
21. STARFISH HOLDINGS, INC. AL$28,259 per participant
22. BESSEMER TRUST COMPANY NJ$27,974 per participant
23. THE OKONITE COMPANY INC. NJ$27,451 per participant
24. GARLAND INDUSTRIES, INC OH$26,782 per participant
25. NORTHWEST PERMANENTE, P.C. OR$26,686 per participant
26. CAPITAL GROUP COMPANIES, INC. CA$26,412 per participant
27. FEDERAL EXPRESS CORPORATION TN$25,949 per participant
28. HARVARD MED. FACULTY PHYSICIANS AT BETH ISRAEL DEACONESS MED. CTR. INC MA$25,759 per participant
29. SAVINGS BOARD OF THE NFL PLAYER SECOND CAREER SAVINGS PLAN MD$25,612 per participant
30. WELLINGTON MANAGEMENT COMPANY LLP MA$25,512 per participant
31. WASHINGTON PERMANENTE MEDICAL GROUP, P.C. WA$25,433 per participant
32. SCRIPPS CLINIC MEDICAL GROUP, INC. CA$25,258 per participant
33. ROSENDIN HOLDINGS, INC. CA$24,543 per participant
34. ALLIANZ ASSET MANAGEMENT OF AMERICA LLC CA$24,164 per participant
35. NOVARTIS CORPORATION NJ$24,058 per participant
36. CAP BOARD OF THE NFL PLAYER CAPITAL ACCUMULATION PLAN MD$23,752 per participant
37. NETJETS AVIATION, INC. OH$23,671 per participant
38. BOARD OF TRUSTEES IRON WORKERS LOCALS 40, 361 & 417 ANNUITY FUND NY$23,551 per participant
39. BD OF TEES OF ELEVATOR CONSTRUCTORS UNION LOCAL NO. 1 ANNUITY & 401K NJ$23,450 per participant
40. ASTELLAS US LLC IL$23,434 per participant
41. PALO ALTO FOUNDATION MEDICAL GROUP, INC. CA$22,440 per participant
42. TRUSTEES OF SHEET METAL WORKERS INT'L ASSOCIATION LOCAL NO. 73 IL$22,305 per participant
43. UCB HOLDINGS, INC. GA$22,134 per participant
44. CONOCOPHILLIPS COMPANY TX$22,070 per participant
45. TRUSTEES OF NECA-IBEW LOCAL 364 CONTRIBUTION PENSION TRUST FUND IL$21,889 per participant
46. BURNS & MCDONNELL, INC MO$21,387 per participant
47. SSI (U.S.) INC. DBA SPENCER STUART IL$20,862 per participant
48. PRESIDENT & FELLOWS OF HARVARD COLLEGE HARVARD HUMAN RESOURCES, BENEFI MA$20,809 per participant
49. PERFORMANCE CONTRACTING GROUP, INC. KS$20,788 per participant
50. GLAXOSMITHKLINE LLC PA$20,589 per participant
51. PERKINS COIE LLP WA$20,586 per participant
52. ORGANON LLC NJ$20,437 per participant
53. T. ROWE PRICE GROUP, INC. MD$20,184 per participant
54. BOARD OF TRUSTEES LOCAL 138, 138A, 138B & 138C IUOE ANNUITY FUND NY$20,126 per participant
55. EOG RESOURCES, INC. TX$20,032 per participant
56. KIMLEY HORN AND ASSOCIATES, INC. NC$19,983 per participant
57. ARAMCO SHARED BENEFITS COMPANY TX$19,605 per participant
58. DEER PARK REFINING, LP TX$19,543 per participant
59. ALTRIA CLIENT SERVICES LLC VA$19,483 per participant
60. BOARD OF TRUSTEES I.U.O.E. LOCAL 14-14B ANNUITY FUND NY$19,414 per participant
61. HESS CORPORATION TX$18,788 per participant
62. FIDELITY WORKPLACE SERVICES LLC MA$18,761 per participant
63. PFIZER INC NY$18,743 per participant
64. P & M HOLDING GROUP, LLP MI$18,680 per participant
65. U.S. ANESTHESIA PARTNERS, INC TX$18,561 per participant
66. MORGAN, LEWIS & BOCKIUS LLP LISA SOLLEY PA$18,464 per participant
67. A. T. KEARNEY, INC. IL$18,453 per participant
68. STEEL DYNAMICS, INC. IN$18,382 per participant
69. BAKER DONELSON BEARMAN CALDWELL & BERKOWITZ P.C. TN$18,275 per participant
70. XL AMERICA, INC. CT$18,269 per participant
71. GENENTECH, INC. CA$18,226 per participant
72. DEVON ENERGY CORPORATION OK$18,100 per participant
73. WESTERN MIDSTREAM SERVICES, LLC TX$18,074 per participant
74. ALBEMARLE CORPORATION NC$17,922 per participant
75. AMGEN INC. CA$17,909 per participant
76. THE VANGUARD GROUP, INC. PA$17,800 per participant
77. LOCAL UNION 98 I.B.E.W. - TRUSTEES PROFIT SHARING PLAN PA$17,712 per participant
78. JANE STREET GROUP, LLC NY$17,697 per participant
79. BARNES & THORNBURG LLP IN$17,656 per participant
80. NOVO NORDISK INC. NJ$17,642 per participant
81. TAMKO BUILDING PRODUCTS LLC KS$17,628 per participant
82. ATLAS AIR, INC. NY$17,476 per participant
83. SHELL USA, INC. TX$17,371 per participant
84. DAIICHI SANKYO, INC. NJ$17,336 per participant
85. JM FAMILY AUTOMOTIVE LLC FL$17,314 per participant
86. TAFT STETTINIUS & HOLLISTER LLP OH$17,314 per participant
87. NOMURA SECURITIES INTERNATIONAL, INC. NY$17,292 per participant
88. GARNEY HOLDING COMPANY MO$17,229 per participant
89. BLACKROCK, INC. NY$17,208 per participant
90. THE CLEVELAND CLINIC FOUNDATION OH$17,139 per participant
91. IRONWORKERS LOCAL 11 ANNUITY FUND BOARD OF TRUSTEES NJ$17,040 per participant
92. AMERICAN INTERNATIONAL GROUP, INC. NY$17,002 per participant
93. DOLBY LABORATORIES, INC. CA$17,001 per participant
94. BOARD OF TRUSTEES, SACRAMENTO AREA ELECTRICAL WORKERS CA$16,964 per participant
95. THE BOARD OF TRUSTEES OF THE MARITIME ASSOC. - I.L.A RETIREMENT PLAN TX$16,905 per participant
96. BRISTOL-MYERS SQUIBB COMPANY NJ$16,866 per participant
97. BOARD OF TRUSTEEES, IBEW LOCAL 332 PENSION PLAN PART B CA$16,857 per participant
98. NEW YORK UNIVERSITY NY$16,797 per participant
99. BVH, INC. KS$16,791 per participant
100. VITUITY CA$16,692 per participant
Cite this figure
The most generous large-employer 401(k) plans contributed $64,540 per active participant in 2024. Source: Plan Ledger analysis of U.S. Department of Labor Form 5500 filings, plan year 2024. Figures may be republished with attribution and a link. Method: methodology.
Source: Plan Ledger analysis of DOL Form 5500 Schedule H filings, plan year 2024 (snapshot 2026-09-10). Administrative expenses are those separately reported on Schedule H line 2i(5); fund-level expense ratios are not included in public structured data. Methodology.