401(k) · DOL Form 5500 · 2022
Union Pacific Railroad Company 401(k) Plan
Data updated 2026-08-25
- $2.0B
- Total assets Very large vs avg
- 28,974
- Participants Very large workforce
- 99th
- Percentile by assets National rank
- $67,835
- Avg per participant Below avg balance/head
Official DOL plan name: Union Pacific Agreement Employee 401(k) Retirement Thrift Plan · Sponsored by Union Pacific Railroad Company · Nebraska · Transportation & Warehousing
$2.0B in assets, 28,974 participants
Union Pacific Railroad Company's Union Pacific Agreement Employee 401(k) Retirement Thrift Plan reported $2.0B in total assets and 28,974 participants in its 2022 DOL Form 5500 filing, ranking in the 99th percentile by assets among filed plans. Figures are as reported by the plan sponsor to the Department of Labor, not audited or endorsed by PlainRetire.
- #3,839 in Transportation & Warehousing (3,876 peers)
Coverage in Nebraska
Union Pacific Agreement Employee 401(k) Retirement Thrift Plan covers 28,974 participants in Nebraska, 52x the typical Nebraska plan (state average ~552 per filing). Assets: $2.0B.
- #3,839
- in Transportation & Warehousing (3,876 peers)
- -20.0%
- assets change YoY
- 20×
- vs typical plan assets (national mean)
The plan reported a net loss of $491M for the year, a single-year figure driven by markets and benefit payments, not a measure of plan health.
Union Pacific Agreement Employee 401(k) Retirement Thrift Plan's outsized position by total assets
Union Pacific Agreement Employee 401(k) Retirement Thrift Plan vs every filed plan by assets
End-of-year total assets · plan year 2022 · DOL Form 5500
$1,965,449,453 Top 1% higher than 99% of 139,123 filed plans
Dashed line + filled bar = this entry, among filed plans.
Source U.S. Department of Labor Form 5500 filings (EBSA) · plan year 2022
Union Pacific Agreement Employee 401(k) Retirement Thrift Plan's mega-plan peer group by participant headcount
Plan-year 2022 Form 5500 filings with a reported participant count, partitioned by headcount band, not by assets. Union Pacific Agreement Employee 401(k) Retirement Thrift Plan is a mega filing (28,974 participants), the rightmost band on the breakdown.
Plan-year Form 5500 strip
Filing strip 946001323 · Union Pacific Railroad Company PY 2022 · 401(k)
Union Pacific Agreement Employee 401(k) Retirement Thrift Plan · $2.0B · 28,974 · 99th
- IND $2.0B
- IND 28,974
- IND 99th
- IND 401(k)
- IND near Trinet Select 401(k) Plan
- IND ind #3839
Stamps derive from this plan's Form 5500 line items (assets, participants, type, EIN, cohort placement) - not a quality rating of the sponsor. Read with Transportation & Warehousing retirement plans → · Plans in Nebraska →
Union Pacific Agreement Employee 401(k) Retirement Thrift Plan in the asset neighbourhood
Nebraska filing particulars
| Total Assets (Beginning of Year) | $2.5B |
|---|---|
| Net Assets (End of Year) | $2.0B |
| Net Income | -$491M |
| Employer EIN | 946001323 |
| Plan Effective Date | 1990-07-01 |
| Filing Status | FILING RECEIVED |
Sponsor Plan History (Union Pacific Railroad Company)
Sponsor-wide plan assets over time
All Union Pacific Railroad Company plans reported in each filing year
- Latest sponsor-wide plan assets
- $2.5B 20.278168871020664% vs 2022
- 2024 filing year
| Year | Plans | Participants | Total Assets |
|---|---|---|---|
| 2022 | 3 | 28,982 | $2.0B |
| 2023 | 3 | 27,778 | $2.3B |
| 2024 | 3 | 28,819 | $2.5B |
Nearby 401(k) Plans in Nebraska
Peer 401(k) plans, same state, same plan type, ranked by total assets.
- Hdr, Inc. Best Plan and ESOP $5.0B · 9,716
- Union Pacific Corporation Thrift Plan $2.0B · 5,284
- Peter Kiewit Sons, Inc. Retirement Savings Plan $1.8B · 15,777
- First National of Nebraska, Inc. First Savings Plan $764M · 4,605
- Mutual of Omaha 401(k) Retirement Savings Plan $664M · 5,183
Scale composition for Union Pacific Agreement Employee 401(k) Retirement Thrift Plan
Union Pacific Agreement Employee 401(k) Retirement Thrift Plan reports $2.0B in end-of-year assets across 28,974 participants (0.016% of the $12.3T held by all Form 5500 filers in the national rollup , and 0.031% of 93,925,755 covered participants) - about $67,835 per participant (49% of the national average assets-per-participant) . Net income for plan year 2022 was -$491M.
This plan identity (EIN 946001323, plan #015) has 3 Form 5500 filings on file from 2022 to 2024 , with end-of-year assets moving from $2.0B to $2.4B (+21.6%) while covered participants moved from 28,974 to 28,813 . Single-year sparse filers cannot show that trail.
| Plan year | Participants | EOY assets | Filing |
|---|---|---|---|
| 2022 | 28,974 | $2.0B | This page |
| 2023 | 27,770 | $2.3B | Open filing |
| 2024 · index core | 28,813 | $2.4B | Open filing |
The same sponsor also keeps 1 other index-core plan on PlainRetire:
- Union Pacific Agreement Employee 401(k) Retirement Thrift Plan (401(k), $2.4B, 28,813 participants)
Union Pacific Agreement Employee 401(k) Retirement Thrift Plan's out-of-state 401(k) peers by assets and headcount
Outside Nebraska, the nearest 401(k) by assets is Trinet Select 401(k) Plan in FL ($2.0B); by covered participants it is Sally Beauty 401(k) and Profit Sharing Plan in TX (28,960 participants). Same-state nearby plans are listed separately above.
Closest by plan assets
Nearest other-state filings by tot_assets_eoy ($2.0B here).
- Trinet Select 401(k) Plan (FL) $2.0B · 28,864
- Quad/Graphics Diversified Plan (WI) $2.0B · 12,210
- Turner Retirement Investment Plan (NY) $2.0B · 6,656
- Dte Energy Company Savings and Stock Ownership Plan (MI) $2.0B · 5,658
Similar participant headcount
Nearest other-state filings by covered participants (28,974 participants); asset peers above are excluded.
- Sally Beauty 401(k) and Profit Sharing Plan (TX) 28,960 · 14 off
- Casey's General Stores 401(k) Plan (IA) 28,900 · 74 off
- Supplemental Income 401(k) Plan (CA) 28,894 · 80 off
- Hannaford Bros. Co., LLC Retirement Savings Plan (ME) 28,776 · 198 off
DOL Form 5500 plan year 2022. Asset totals can differ widely at the same headcount; neither axis is a quality rating.