401(k) · DOL Form 5500 · 2024
Panera Bread Company 401(k) Plan
Data updated 2026-08-11
- $285M
- Total assets
- 28,197
- Participants
- 96th
- Percentile by assets
- $10,108
- Avg per participant
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.
- 96th percentile by assets (of 123,622 plans)
- #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.
- $285M
- total plan assets (2024 EOY)
- 28,197
- covered participants
- 96th
- percentile by assets (of 123,622 plans)
- $10,108
- avg assets per participant
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.
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 28,197 participants - 38x that state average ($285M EOY assets).
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)
| 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 $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 |
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.
- 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
Frequently Asked Questions
How did Panera Bread Company 401(k) Retirement Savings Plan assets move in 2024? ▼
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