401(k) · DOL Form 5500 · 2022
Cummins Inc. 401(k) Plan
Data updated 2026-08-25
- $4.4B
- Total assets Very large vs avg
- 23,710
- Participants Very large workforce
- 100th
- Percentile by assets National rank
- $185,018
- Avg per participant Above avg balance/head
Official DOL plan name: Cummins Retirement and Savings Plan · Sponsored by Cummins Inc. · Indiana · Manufacturing
$4.4B in assets, 23,710 participants
Cummins Inc.'s Cummins Retirement and Savings Plan reported $4.4B in total assets and 23,710 participants in its 2022 DOL Form 5500 filing, ranking in the 100th 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.
- #20,495 in Manufacturing (20,602 peers)
Coverage in Indiana
Cummins Retirement and Savings Plan covers 23,710 participants in Indiana, 44x the typical Indiana plan (state average ~541 per filing). Assets: $4.4B.
- #20,495
- in Manufacturing (20,602 peers)
- -12.8%
- assets change YoY
- 44×
- vs typical plan assets (national mean)
The plan reported a net loss of $643M for the year, a single-year figure driven by markets and benefit payments, not a measure of plan health.
Cummins Retirement and Savings Plan's outsized position by total assets
Cummins Retirement and Savings Plan vs every filed plan by assets
End-of-year total assets · plan year 2022 · DOL Form 5500
$4,386,787,904 Highest reported value at or above every one 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
Cummins Retirement and Savings 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. Cummins Retirement and Savings Plan is a mega filing (23,710 participants), the rightmost band on the breakdown.
EBSA filing schedule strip
Filing strip 350257090 · Cummins Inc. PY 2022 · 401(k)
Cummins Retirement and Savings Plan · $4.4B · 23,710 · 100th
- PCT $4.4B
- PCT 23,710
- PCT 100th
- PCT 401(k)
- PCT near Fiserv 401(k) Savings Plan
- PCT ind #20495
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 Manufacturing retirement plans → · Plans in Indiana →
Cummins Retirement and Savings Plan in the asset neighbourhood
Indiana filing particulars
| Total Assets (Beginning of Year) | $5.0B |
|---|---|
| Net Assets (End of Year) | $4.4B |
| Net Income | -$643M |
| Employer EIN | 350257090 |
| Plan Effective Date | 1992-01-01 |
| Filing Status | FILING RECEIVED |
Sponsor Plan History (Cummins Inc.)
Sponsor-wide plan assets over time
All Cummins Inc. plans reported in each filing year
- Latest sponsor-wide plan assets
- $9.7B 25.4811817356577% vs 2022
- 2024 filing year
| Year | Plans | Participants | Total Assets |
|---|---|---|---|
| 2022 | 3 | 48,345 | $7.7B |
| 2023 | 3 | 55,603 | $9.2B |
| 2024 | 3 | 61,571 | $9.7B |
Nearby 401(k) Plans in Indiana
Peer 401(k) plans, same state, same plan type, ranked by total assets.
- Elevance Health 401(k) Plan $9.5B · 71,898
- The Lilly Employee 401(k) Plan $8.9B · 15,607
- Iu Health 401(k) Savings Plan $3.2B · 39,243
- Steel Dynamics, Inc. Profit Sharing and Retirement Savings Plan $2.0B · 8,632
- Nisource Inc Retirement Savings Plan $1.5B · 7,561
Scale composition for Cummins Retirement and Savings Plan
Cummins Retirement and Savings Plan reports $4.4B in end-of-year assets across 23,710 participants (0.036% of the $12.3T held by all Form 5500 filers in the national rollup , and 0.025% of 93,925,755 covered participants) - about $185,018 per participant (1.3x the national average assets-per-participant) . Net income for plan year 2022 was -$643M.
This plan identity (EIN 350257090, plan #020) has 3 Form 5500 filings on file from 2022 to 2024 , with end-of-year assets moving from $4.4B to $6.4B (+45.1%) while covered participants moved from 23,710 to 30,272 . Single-year sparse filers cannot show that trail.
| Plan year | Participants | EOY assets | Filing |
|---|---|---|---|
| 2022 | 23,710 | $4.4B | This page |
| 2023 | 28,381 | $5.7B | Open filing |
| 2024 · index core | 30,272 | $6.4B | Open filing |
The same sponsor also keeps 3 other index-core plans on PlainRetire:
- Cummins Retirement and Savings Plan (401(k), $6.4B, 30,272 participants)
- Cummins Pension Plan (Defined Benefit (Pension), $3.2B, 30,640 participants)
- Cummins Retirement and Savings Plan for Certain Collectively Bargained Employees (401(k), $116M, 659 participants)
Cummins Retirement and Savings Plan's out-of-state 401(k) peers by assets and headcount
Outside Indiana, the nearest 401(k) by assets is Fiserv 401(k) Savings Plan in WI ($4.3B); by covered participants it is The Interpublic Group of Companies, Inc. Savings Plan in NY (23,759 participants). Same-state nearby plans are listed separately above.
Closest by plan assets
Nearest other-state filings by tot_assets_eoy ($4.4B here).
- Fiserv 401(k) Savings Plan (WI) $4.3B · 26,610
- Science Applications International Corporation Retirement Plan (VA) $4.3B · 26,393
- Enterprise Holdings Retirement Savings Plan (MO) $4.5B · 59,568
- Sony USA 401(k) Plan (NY) $4.5B · 12,275
Similar participant headcount
Nearest other-state filings by covered participants (23,710 participants); asset peers above are excluded.
- The Interpublic Group of Companies, Inc. Savings Plan (NY) 23,759 · 49 off
- Exxonmobil Savings Plan (TX) 23,619 · 91 off
- Caliber Holdings Corporation Retirement Savings Plan (TX) 23,596 · 114 off
- The 401(k) Plan (TX) 23,898 · 188 off
DOL Form 5500 plan year 2022. Asset totals can differ widely at the same headcount; neither axis is a quality rating.