401(k) · DOL Form 5500 · 2024
Panera Bread Company 401(k) Plan
Data updated 2026-08-25
- $285M
- Total assets Near avg plan size
- 28,197
- Participants Very large workforce
- 96th
- Percentile by assets National rank
- $10,108
- 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
$285M in assets, 28,197 participants
Panera Bread Company's Panera Bread Company 401(k) Retirement Savings Plan reported $285M in total assets and 28,197 participants in its 2024 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.
- #3,630 in Food Services & Accommodation (3,672 peers)
Coverage in Missouri
Panera Bread Company 401(k) Retirement Savings Plan covers 28,197 participants in Missouri, 38x the typical Missouri plan (state average ~737 per filing). Assets: $285M.
- #3,630
- in Food Services & Accommodation (3,672 peers)
- +13.6%
- assets growth YoY
- 2.9×
- 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 2024 · DOL Form 5500
$285,027,416 Top 4% higher than 96% of 123,620 filed plans
Dashed line + filled bar = this entry, among filed plans.
Source U.S. Department of Labor Form 5500 filings (EBSA) · plan year 2024
Panera Bread Company 401(k) Retirement Savings Plan's mega-plan peer group by participant headcount
Plan-year 2024 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 (28,197 participants), the rightmost band on the breakdown.
What changed between DOL Form 5500 filings
plan year 2023 → plan year 2024
- Panera Bread Company 401(k) Retirement Savings Plan reported net income fell from $50M in the plan year 2023 filing to $34M in the plan year 2024 filing.
- Panera Bread Company 401(k) Retirement Savings Plan end-of-year assets rose from $251M in the plan year 2023 filing to $285M in the plan year 2024 filing.
- Panera Bread Company 401(k) Retirement Savings Plan reported participants fell from 28,803 in the plan year 2023 filing to 28,197 in the plan year 2024 filing.
Form 5500 schedule snapshot
Filing strip 042723701 · Panera Bread Company PY 2024 · 401(k)
Panera Bread Company 401(k) Retirement Savings Plan · $285M · 28,197 · 96th
- PCT $285M
- PCT 28,197
- PCT 96th
- PCT 401(k)
- PCT near Arcfield Corporation 401(k) Plan
- PCT ind #3630
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) | $251M |
|---|---|
| Net Assets (End of Year) | $285M |
| Net Income | $34M |
| 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.
- Edward D. Jones & Co. Profit Sharing and 401(k) Plan $12.4B · 47,254
- Bayer Corporation Savings and Retirement Plan $10.8B · 19,357
- Emerson Savings Plan $7.4B · 8,315
- Enterprise Holdings Retirement Savings Plan $6.5B · 72,024
- Centene Management Corporation Retirement Plan $4.7B · 53,760
Scale composition for Panera Bread Company 401(k) Retirement Savings Plan
Panera Bread Company 401(k) Retirement Savings Plan reports $285M in end-of-year assets across 28,197 participants (0.002% of the $12.3T held by all Form 5500 filers in the national rollup , and 0.030% of 93,925,755 covered participants) - about $10,108 per participant (7% of the national average assets-per-participant) . Net income for plan year 2024 was $34M.
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 | Open filing |
| 2024 · index core | 28,197 | $285M | This page |
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 Arcfield Corporation 401(k) Plan in VA ($285M); by covered participants it is Vail Resorts 401(k) Retirement Plan in CO (28,151 participants). Same-state nearby plans are listed separately above.
Closest by plan assets
Nearest other-state filings by tot_assets_eoy ($285M here).
- Arcfield Corporation 401(k) Plan (VA) $285M · 1,886
- Arcfield Corporation 401(k) Plan (VA) $285M · 1,886
- Southern New Hampshire University 401(k) (NH) $285M · N/A
- Uhy Savings Plan (MI) $285M · 1,595
Similar participant headcount
Nearest other-state filings by covered participants (28,197 participants); asset peers above are excluded.
- Vail Resorts 401(k) Retirement Plan (CO) 28,151 · 46 off
- Trinet Select 401(k) Plan (CA) 28,275 · 78 off
- Pilot Travel Centers LLC 401(k) Plan (TN) 28,109 · 88 off
- The Rite Aid 401(k) Plan (PA) 28,313 · 116 off
DOL Form 5500 plan year 2024. Asset totals can differ widely at the same headcount; neither axis is a quality rating.