Largest employer retirement plans by participants
What this page shows
These are the 50 U.S. employer benefit plans covering the most participants in the loaded public Form 5500 dataset (latest loaded filing year 2023). Ranking by participants highlights the plans that touch the most employees — the largest 401(k) and pension plans by people covered — rather than the largest asset pools. Bars show each plan's reported participant count relative to the largest.
Plans ranked50
Combined participants (top 50)29,863,631
Largest single plan2,614,052National Education Association Of The United States
Top 50 · by participants
Ranked by participants covered
Reported participant counts from public Form 5500 filings. Bars show relative scale.
- 1Nea Members Insurance Plan2,614,052 participantsNational Education Association Of The United States, DC
- 2
- 3International Brotherhood Of Teamsters Voluntary Employee Benefits Trust1,753,634 participantsTrustees Of International Brotherhood Teamsters Voluntary Employee Ben, DC
- 4
- 5
- 6American Federation Of Teachers Benefit Trust1,237,192 participantsAmerican Federation Of Teachers Benefit Trust, DC
- 7
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- 9Government Employees Health Association, Inc. Voluntary Welfare Benefit Plan936,139 participantsGovernment Employees Health Association, Inc., MO
- 10
- 11National Electrical Benefit Fund655,103 participantsTrustees Of The National Electrical Benefit Fund, MD
- 12Western Conference Of Teamsters Pension Plan627,383 participantsWestern Conference Of Teamsters Pension Trust Fund Board Of Trustees, WA
- 13
- 14Int'L Brotherhood Of Electrical Workers' Pension Benefit Fund556,598 participantsInternational Brotherhood Of Electrical Workers' Pension Benefit Fund, DC
- 15Express Employment Professionals 401(K) Retirement Savings Plan548,894 participantsExpress Services, Inc., OK
- 16The Teamster - Ups National 401(K) Tax Deferred Savings Plan544,072 participantsBoard Of Trustees Of The Teamsters - Ups 401k National Savings Plan, GA
- 17
- 18Uaw-Fca-Ford-General Motors Legal Services Plan Trust529,045 participantsGeneral Motors LLC & Others, MI
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- 27Ups Business Travel Accident Insurance Plan363,324 participantsUnited Parcel Service Of America, Inc., GA
- 28
- 29Central States, Southeast & Southwest Areas Pension Plan349,729 participantsTrustees Of Central States, Se And Sw Areas Pension Fund, IL
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- 35Uaw-Gm Voluntary Employees' Beneficiary Association Trust Fund322,315 participantsBoard Of Trustees Of The Uaw-Gm Veba Trust Fund, MI
- 36California Teachers Association Economic Benefits Trust Member Welfare Benefit Plan321,602 participantsCalifornia Teachers Association, CA
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- 44Iam National Pension Fund297,410 participantsBoard Of Trustees Of The I.A.M. National Pension Fund, DC
- 45The Jpmorgan Chase Business Travel Accident (Bta) Insurance Plan293,723 participantsJpmorgan Chase Bank, National Association, NJ
- 46
- 471199seiu Health Care Employees Pension Fund283,119 participantsBoard Of Trustees Of 1199seiu Health Care Employees Pension Fund, NY
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Browse all plans by participants → · Largest plans by assets → · Plans with financial statements →
Frequently asked questions
- Which employer retirement plans cover the most people?
- Ranked by reported participant count in the loaded public Form 5500 dataset, the largest is Nea Members Insurance Plan (National Education Association Of The United States), covering 2,614,052 participants. This page lists the top 50 employer plans by participants.
- How is this different from the largest plans by assets?
- Ranking by participants surfaces the plans that cover the most employees — typically very large employers’ 401(k) and pension plans. Ranking by assets instead surfaces big asset pools, which are often custodial master trusts rather than single employers. The two lists answer different questions.
- What counts as a participant?
- Participants are the covered individuals a plan reports on its Form 5500 — generally active, retired, and separated employees (and beneficiaries) with an account or accrued benefit. Figures are as reported.