401(k) · DOL Form 5500 · 2023
Panera Bread Company 401(k) Plan
Data updated 2026-08-11
- $251M
- Total assets
- 28,803
- Participants
- 96th
- Percentile by assets
- $8,708
- Avg per participant
Official DOL plan name: Panera Bread Company 401(k) Retirement Savings Plan · Sponsored by Panera Bread Company · Missouri · Food Services & Accommodation
$251M in assets, 28,803 participants
Panera Bread Company's Panera Bread Company 401(k) Retirement Savings Plan reported $251M in total assets and 28,803 participants in its 2023 DOL Form 5500 filing, ranking in the 96th 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.
- 96th percentile by assets (of 127,072 plans)
- #3,786 in Food Services & Accommodation (3,828 peers)
Coverage in Missouri
Panera Bread Company 401(k) Retirement Savings Plan covers 28,803 participants in Missouri, 39x the typical Missouri plan (state average ~737 per filing). Assets: $251M.
- $251M
- total plan assets (2023 EOY)
- 28,803
- covered participants
- 96th
- percentile by assets (of 127,072 plans)
- $8,708
- avg assets per participant
What changed between DOL Form 5500 filings
plan year 2022 → plan year 2023
- Panera Bread Company 401(k) Retirement Savings Plan reported net income rose from -$24M in the plan year 2022 filing to $50M in the plan year 2023 filing.
- Panera Bread Company 401(k) Retirement Savings Plan end-of-year assets rose from $200M in the plan year 2022 filing to $251M in the plan year 2023 filing.
- Panera Bread Company 401(k) Retirement Savings Plan reported participants fell from 29,184 in the plan year 2022 filing to 28,803 in the plan year 2023 filing.
Participants vs Missouri filers
In Missouri, the average filing covers about 737 participants across 2,297 plans. Panera Bread Company 401(k) Retirement Savings Plan reports 28,803 participants - 39x that state average ($251M EOY assets).
Missouri filing particulars
| Total Assets (Beginning of Year) | $200M |
|---|---|
| Net Assets (End of Year) | $251M |
| Net Income | $50M |
| Employer EIN | 042723701 |
| Plan Effective Date | 1999-05-15 |
| Filing Status | FILING RECEIVED |
Sponsor Plan History (Panera Bread Company)
| Year | Plans | Participants | Total Assets |
|---|---|---|---|
| 2022 | 1 | 29,184 | $200M |
| 2023 | 1 | 28,803 | $251M |
| 2024 | 1 | 28,197 | $285M |
Nearby 401(k) Plans in Missouri
Peer 401(k) plans, same state, same plan type, ranked by total assets.
Panera Bread Company 401(k) Retirement Savings Plan vs. nearby 401(k) plans in Missouri, assets vs. participants
- Edward D. Jones & Co. Profit Sharing and 401(k) Plan $10.6B · 49,944
- Bayer Corporation Savings and Retirement Plan $10.3B · 19,273
- Enterprise Holdings Retirement Savings Plan $5.6B · 66,210
- Centene Management Corporation Retirement Plan $4.0B · 53,822
- Emerson Electric Company Employee Savings Investment Plan $3.6B · 10,316
Scale composition for Panera Bread Company 401(k) Retirement Savings Plan
Panera Bread Company 401(k) Retirement Savings Plan reports $251M in end-of-year assets across 28,803 participants (0.002% of the $12.3T held by all Form 5500 filers in the national rollup , and 0.031% of 93,925,755 covered participants) - about $8,708 per participant (6% of the national average assets-per-participant) . Net income for plan year 2023 was $50M.
This plan identity (EIN 042723701, plan #001) has 3 Form 5500 filings on file from 2022 to 2024 , with end-of-year assets moving from $200M to $285M (+42.3%) while covered participants moved from 29,184 to 28,197 . Single-year sparse filers cannot show that trail.
| Plan year | Participants | EOY assets | Filing |
|---|---|---|---|
| 2022 | 29,184 | $200M | Open filing |
| 2023 | 28,803 | $251M | This page |
| 2024 · index core | 28,197 | $285M | Open filing |
The same sponsor also keeps 1 other index-core plan on PlainRetire:
- Panera Bread Company 401(k) Retirement Savings Plan (401(k), $285M, 28,197 participants)
Similar-Sized 401(k) Plans Nationally
401(k) plans in other states closest to Panera Bread Company 401(k) Retirement Savings Plan by total assets, not by location.
- Acadia Healthcare Company, Inc. 401(k) Plan (TN) $251M · 21,547
- Church & Dwight Co. , Inc. Savings and Profit Sharing Plan for Hourly Employees (NJ) $251M · 2,284
- New Lexington Clinic, P.S.C. Savings and Profit Sharing Plan (KY) $251M · 1,071
- Johnson Financial Group, Inc. Retirement and Savin (WI) $251M · 1,017
Frequently Asked Questions
How did Panera Bread Company 401(k) Retirement Savings Plan assets move in 2023? ▼
How have Panera Bread Company plan assets changed over time? ▼
Where does Panera Bread Company 401(k) Retirement Savings Plan rank by assets among Form 5500 filers? ▼
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Filing takeaways
Ways to act on Panera Bread Company 401(k) Retirement Savings Plan's numbers.
- By total assets, Panera Bread Company 401(k) Retirement Savings Plan ranks in the top 5% of all filed plans by assets. See the largest plans
- Compare it side-by-side against 3 similar 401(k) plans in Missouri. Compare plans
- Panera Bread Company's sponsor-wide assets have grown 42.3% since 2022 across 3 plan years on file. More Food Services & Accommodation plans