401(k) · DOL Form 5500 · 2022
Penney Opco, LLC 401(k) Plan
Data updated 2026-08-25
- $1.9B
- Total assets Very large vs avg
- 45,500
- Participants Very large workforce
- 99th
- Percentile by assets National rank
- $41,129
- Avg per participant Low balance/head
Official DOL plan name: J. C. Penney Corporation, Inc. Safe Harbor 401(k) Savings Plan · Sponsored by Penney Opco, LLC · Texas · Retail Trade
$1.9B in assets, 45,500 participants
Penney Opco, LLC's J. C. Penney Corporation, Inc. Safe Harbor 401(k) Savings Plan reported $1.9B in total assets and 45,500 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.
- #9,482 in Retail Trade (9,519 peers)
Coverage in Texas
J. C. Penney Corporation, Inc. Safe Harbor 401(k) Savings Plan covers 45,500 participants in Texas, 66x the typical Texas plan (state average ~688 per filing). Assets: $1.9B.
- #9,482
- in Retail Trade (9,519 peers)
- -17.0%
- assets change YoY
- 19×
- vs typical plan assets (national mean)
The plan reported a net loss of $383M for the year, a single-year figure driven by markets and benefit payments, not a measure of plan health.
J. C. Penney Corporation, Inc. Safe Harbor 401(k) Savings Plan's outsized position by total assets
J. C. Penney Corporation, Inc. Safe Harbor 401(k) Savings Plan vs every filed plan by assets
End-of-year total assets · plan year 2022 · DOL Form 5500
$1,871,352,000 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
J. C. Penney Corporation, Inc. Safe Harbor 401(k) 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. J. C. Penney Corporation, Inc. Safe Harbor 401(k) Savings Plan is a mega filing (45,500 participants), the rightmost band on the breakdown.
EBSA filing schedule strip
Filing strip 853718114 · Penney Opco, LLC PY 2022 · 401(k)
J. C. Penney Corporation, Inc. Safe Harbor 401(k) Savings Plan · $1.9B · 45,500 · 99th
- BOY $1.9B
- SCH 45,500
- EBSA 99th
- PART 401(k)
- TYPE near American Financial Group 401(k) Retirement and Savings Plan
- NET ind #9482
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 Retail Trade retirement plans → · Plans in Texas →
J. C. Penney Corporation, Inc. Safe Harbor 401(k) Savings Plan in the asset neighbourhood
Texas filing particulars
| Total Assets (Beginning of Year) | $2.3B |
|---|---|
| Net Assets (End of Year) | $1.9B |
| Net Income | -$383M |
| Employer EIN | 853718114 |
| Plan Effective Date | 2017-01-01 |
| Filing Status | FILING RECEIVED |
Sponsor Plan History (Penney Opco, LLC)
Sponsor-wide plan assets over time
All Penney Opco, LLC plans reported in each filing year
- Latest sponsor-wide plan assets
- $2.2B 16.288490887871443% vs 2022
- 2024 filing year
| Year | Plans | Participants | Total Assets |
|---|---|---|---|
| 2022 | 1 | 45,500 | $1.9B |
| 2023 | 1 | 45,716 | $2.1B |
| 2024 | 1 | 44,782 | $2.2B |
Nearby 401(k) Plans in Texas
Peer 401(k) plans, same state, same plan type, ranked by total assets.
- AT&T Retirement Savings Plan $37.6B · 144,503
- Exxonmobil Savings Plan $21.3B · 23,619
- Caterpillar 401(k) Savings Plan $13.8B · 38,538
- American Airlines, Inc. 401(k) Plan $12.8B · 85,577
- Dell Inc. 401(k) Plan $12.0B · 47,532
Scale composition for J. C. Penney Corporation, Inc. Safe Harbor 401(k) Savings Plan
J. C. Penney Corporation, Inc. Safe Harbor 401(k) Savings Plan reports $1.9B in end-of-year assets across 45,500 participants (0.015% of the $12.3T held by all Form 5500 filers in the national rollup , and 0.048% of 93,925,755 covered participants) - about $41,129 per participant (30% of the national average assets-per-participant) . Net income for plan year 2022 was -$383M.
This plan identity (EIN 853718114, plan #006) has 3 Form 5500 filings on file from 2022 to 2024 , with end-of-year assets moving from $1.9B to $2.2B (+16.3%) while covered participants moved from 45,500 to 44,782 . Single-year sparse filers cannot show that trail.
| Plan year | Participants | EOY assets | Filing |
|---|---|---|---|
| 2022 | 45,500 | $1.9B | This page |
| 2023 | 45,716 | $2.1B | Open filing |
| 2024 · index core | 44,782 | $2.2B | Open filing |
The same sponsor also keeps 1 other index-core plan on PlainRetire:
- J. C. Penney Corporation, Inc. Safe Harbor 401(k) Savings Plan (401(k), $2.2B, 44,782 participants)
J. C. Penney Corporation, Inc. Safe Harbor 401(k) Savings Plan's out-of-state 401(k) peers by assets and headcount
Outside Texas, the nearest 401(k) by assets is American Financial Group 401(k) Retirement and Savings Plan in OH ($1.9B); by covered participants it is Disney Savings and Investment Plan in CA (45,639 participants). Same-state nearby plans are listed separately above.
Closest by plan assets
Nearest other-state filings by tot_assets_eoy ($1.9B here).
- American Financial Group 401(k) Retirement and Savings Plan (OH) $1.9B · 6,642
- Precision Castparts Corp. 401(k) Retirement Savings Plan (OR) $1.9B · 14,939
- Henkel 401(k) and Defined Contribution Plan (CT) $1.9B · 7,472
- Commscope, Inc. Retirement Savings Plan (NC) $1.9B · 6,440
Similar participant headcount
Nearest other-state filings by covered participants (45,500 participants); asset peers above are excluded.
- Disney Savings and Investment Plan (CA) 45,639 · 139 off
- Humana Retirement Savings Plan (KY) 44,930 · 570 off
- The Sherwin-Williams Company 401(k) Plan (OH) 44,890 · 610 off
- Laboratory Corporation of America Holdings 401(k) Savings Plan (NC) 46,162 · 662 off
DOL Form 5500 plan year 2022. Asset totals can differ widely at the same headcount; neither axis is a quality rating.