401(k) · DOL Form 5500 · 2022
Panera Bread Company 401(k) Plan
Data updated 2026-08-25
- $200M
- Total assets Near avg plan size
- 29,184
- Participants Very large workforce
- 96th
- Percentile by assets National rank
- $6,864
- Avg per participant Low balance/head
Official DOL plan name: Panera Bread Company 401(k) Retirement Savings Plan · Sponsored by Panera Bread Company · Missouri · Food Services & Accommodation
$200M in assets, 29,184 participants
Panera Bread Company's Panera Bread Company 401(k) Retirement Savings Plan reported $200M in total assets and 29,184 participants in its 2022 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.
- #4,545 in Food Services & Accommodation (4,592 peers)
Coverage in Missouri
Panera Bread Company 401(k) Retirement Savings Plan covers 29,184 participants in Missouri, 40x the typical Missouri plan (state average ~737 per filing). Assets: $200M.
- #4,545
- in Food Services & Accommodation (4,592 peers)
- -10.9%
- assets change YoY
- 2.0×
- vs typical plan assets (national mean)
The plan reported a net loss of $24M for the year, a single-year figure driven by markets and benefit payments, not a measure of plan health.
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 2022 · DOL Form 5500
$200,323,743 Top 4% higher than 96% 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
Panera Bread Company 401(k) Retirement 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. Panera Bread Company 401(k) Retirement Savings Plan is a mega filing (29,184 participants), the rightmost band on the breakdown.
DOL schedule card
Filing strip 042723701 · Panera Bread Company PY 2022 · 401(k)
Panera Bread Company 401(k) Retirement Savings Plan · $200M · 29,184 · 96th
- IND $200M
- IND 29,184
- IND 96th
- IND 401(k)
- IND near Science Systems and Applications, Inc. 401(k) Profit Sharing Plan and Trust
- IND ind #4545
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
Missouri filing particulars
| Total Assets (Beginning of Year) | $225M |
|---|---|
| Net Assets (End of Year) | $200M |
| Net Income | -$24M |
| Employer EIN | 042723701 |
| Plan Effective Date | 1999-05-15 |
| Filing Status | FILING 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
| 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.
- Bayer Corporation Savings and Retirement Plan $9.2B · 18,917
- Edward D. Jones & Co. Profit Sharing and 401(k) Plan $8.7B · 47,923
- Enterprise Holdings Retirement Savings Plan $4.5B · 59,568
- Centene Management Corporation Retirement Plan $3.2B · 49,060
- Anheuser-Busch 401(k) Savings and Retirement Plan $3.1B · 14,556
Scale composition for Panera Bread Company 401(k) Retirement Savings Plan
Panera Bread Company 401(k) Retirement Savings Plan reports $200M in end-of-year assets across 29,184 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 $6,864 per participant (5% of the national average assets-per-participant) . Net income for plan year 2022 was -$24M.
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 | This page |
| 2023 | 28,803 | $251M | Open filing |
| 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)
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 Science Systems and Applications, Inc. 401(k) Profit Sharing Plan and Trust in MD ($200M); by covered participants it is Kaiser Permanente Tax Sheltered Annuity Plan III in CA (29,274 participants). Same-state nearby plans are listed separately above.
Closest by plan assets
Nearest other-state filings by tot_assets_eoy ($200M here).
Similar participant headcount
Nearest other-state filings by covered participants (29,184 participants); asset peers above are excluded.
- Kaiser Permanente Tax Sheltered Annuity Plan III (CA) 29,274 · 90 off
- Allegis Group, Inc. Retirement Savings Plan One (MD) 29,283 · 99 off
- U-Haul Holding Company 401(k) Savings Plan (AZ) 29,328 · 144 off
- New York Hotel Trades Council & Hotel Association of New York City, Inc. 401(k) Savings Plan (NY) 29,351 · 167 off
DOL Form 5500 plan year 2022. Asset totals can differ widely at the same headcount; neither axis is a quality rating.