401(k) · DOL Form 5500 · 2023

Panera Bread Company 401(k) Plan

Data updated 2026-08-25

$251M
Total assets Near avg plan size
28,803
Participants Very large workforce
96th
Percentile by assets National rank
$8,708
Avg per participant Low balance/head
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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.

  • #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.

#3,786
in Food Services & Accommodation (3,828 peers)
+25.2%
assets growth YoY
2.5×
vs typical plan assets (national mean)

Panera Bread Company 401(k) Retirement Savings Plan's outsized position by total assets

Panera Bread Company 401(k) Retirement Savings Plan vs every filed plan by assets

End-of-year total assets · plan year 2023 · DOL Form 5500

$250,806,945 Top 4% higher than 96% of 127,068 filed plans

This plan $0 $2,050,000,000 every filed plan with reported assets, bucketed by value

Dashed line + filled bar = this entry, among filed plans.

Source U.S. Department of Labor Form 5500 filings (EBSA) · plan year 2023

Panera Bread Company 401(k) Retirement Savings Plan's mega-plan peer group by participant headcount

Plan-year 2023 Form 5500 filings with a reported participant count, partitioned by headcount band, not by assets. Panera Bread Company 401(k) Retirement Savings Plan is a mega filing (28,803 participants), the rightmost band on the breakdown.

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.

See the national 2022→2023 release diff →

EBSA filing schedule strip

Filing strip 042723701 · Panera Bread Company PY 2023 · 401(k)

Panera Bread Company 401(k) Retirement Savings Plan · $251M · 28,803 · 96th

  • ASSETS $251M
  • ASSETS 28,803
  • ASSETS 96th
  • ASSETS 401(k)
  • ASSETS near Acadia Healthcare Company, Inc. 401(k) Plan
  • ASSETS ind #3786

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 Food Services & Accommodation retirement plans → · Plans in Missouri →

Panera Bread Company 401(k) Retirement Savings Plan in the asset neighbourhood

Johnson Financial Group, Inc. Retirement and SavinJohnson Financial Group, Inc…$251MAcadia Healthcare Company, Inc. 401(k) PlanAcadia Healthcare Company, I…$251MPanera Bread Company 401(k) Retirement Savings PlanPanera Bread Company 401(k) …$251MChurch & Dwight Co. , Inc. Savings and Profit Sharing Plan for Hourly EmployeesChurch & Dwight Co. , Inc. S…$251MNew Lexington Clinic, P.S.C. Savings and Profit Sharing PlanNew Lexington Clinic, P.S.C.…$251M
End-of-year total assets ($M) among Panera Bread Company 401(k) Retirement Savings Plan and nearest nationwide 401(k) peers. Source: DOL Form 5500 plan year 2023.

Missouri filing particulars

Total Assets (Beginning of Year)$200M
Net Assets (End of Year)$251M
Net Income$50M
Employer EIN042723701
Plan Effective Date1999-05-15
Filing StatusFILING RECEIVED

Sponsor Plan History (Panera Bread Company)

Sponsor-wide plan assets over time

All Panera Bread Company plans reported in each filing year

Latest sponsor-wide plan assets
$285M 42.283391739540335% vs 2022
2024 filing year
$150M$200M$250M$300M 202220232024 $200M $285M ▲ +42.3%
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 Scatter plot of 6 data points. 020000400006000080000 -5051015 Total assets ($B) Participants Panera Bread Company 401(k) Retirement Savings Plan, Total assets ($B): 0.250806945 · Participants: 28803Panera Bread Company 401(k) Retirement Savings PlanEdward D. Jones & Co. Profit Sharing and 401(k) Plan, Total assets ($B): 10.594991308 · Participants: 49944Edward D. Jones & Co. Profit Sharing and 401(k) PlanBayer Corporation Savings and Retirement Plan, Total assets ($B): 10.333863661 · Participants: 19273Bayer Corporation Savings and Retirement PlanEnterprise Holdings Retirement Savings Plan, Total assets ($B): 5.607728879 · Participants: 66210Enterprise Holdings Retirement Savings PlanCentene Management Corporation Retirement Plan, Total assets ($B): 4.047068199 · Participants: 53822Centene Management Corporation Retirement PlanEmerson Electric Company Employee Savings Investment Plan, Total assets ($B): 3.563332746 · Participants: 10316Emerson Electric Company Employee Savings Investment Plan
Panera Bread Company 401(k) Retirement Savings Plan vs. nearby 401(k) plans in Missouri, assets vs. participants
Compare Panera Bread Company 401(k) Retirement Savings Plan side-by-side with 3 peers →

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's out-of-state 401(k) peers by assets and headcount

Outside Missouri, the nearest 401(k) by assets is Acadia Healthcare Company, Inc. 401(k) Plan in TN ($251M); by covered participants it is Genuine Parts Company 401(k) Savings Plan in GA (28,827 participants). Same-state nearby plans are listed separately above.

Similar participant headcount

Nearest other-state filings by covered participants (28,803 participants); asset peers above are excluded.

DOL Form 5500 plan year 2023. Asset totals can differ widely at the same headcount; neither axis is a quality rating.

Frequently Asked Questions

How did Panera Bread Company 401(k) Retirement Savings Plan assets move in 2023? ▼
Panera Bread Company 401(k) Retirement Savings Plan grew sharply - up 25.2% during 2023, from $200M to $251M. Reported net income was $50M.
How have Panera Bread Company plan assets changed over time? ▼
Across 3 plan years on file (2022-2024), Panera Bread Company's sponsor-wide assets grew 42.3%, from $200M to $285M.
Where does Panera Bread Company 401(k) Retirement Savings Plan rank by assets among Form 5500 filers? ▼
Panera Bread Company 401(k) Retirement Savings Plan ranks in the 96th percentile by end-of-year assets among 127,072 plans that reported assets for plan year 2023 (in the top 5% of all filed plans by assets).
Which 401(k) plans are similar in size to Panera Bread Company 401(k) Retirement Savings Plan? ▼
Among 401(k) plans in other states, the closest by assets is Acadia Healthcare Company, Inc. 401(k) Plan in TN ($251M, 21,547 participants).
Which 401(k) plans cover a similar participant headcount to Panera Bread Company 401(k) Retirement Savings Plan? ▼
Among 401(k) plans in other states, the closest by covered participants is Genuine Parts Company 401(k) Savings Plan in GA (28,827 participants, $2.4B in assets).

Source: U.S. Department of Labor, Employee Benefits Security Administration (EBSA), Form 5500 public disclosure dataset. Plan year 2023.

Source: DOL EFAST2 filing system (efast.dol.gov) - original filing retrieval by EIN 042723701.

Read our methodology - how this data is sourced, computed, and verified.

Data sourced from U.S. Department of Labor Form 5500 filings (EBSA). See our methodology for details.