401(k) · DOL Form 5500 · 2024

Union Pacific Railroad Company 401(k) Plan

Data updated 2026-08-25

$2.4B
Total assets Very large vs avg
28,813
Participants Very large workforce
99th
Percentile by assets National rank
$82,942
Avg per participant Below avg balance/head
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Official DOL plan name: Union Pacific Agreement Employee 401(k) Retirement Thrift Plan · Sponsored by Union Pacific Railroad Company · Nebraska · Transportation & Warehousing

$2.4B in assets, 28,813 participants

Union Pacific Railroad Company's Union Pacific Agreement Employee 401(k) Retirement Thrift Plan reported $2.4B in total assets and 28,813 participants in its 2024 DOL Form 5500 filing, ranking in the 99th 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.

  • #3,258 in Transportation & Warehousing (3,299 peers)

Coverage in Nebraska

Union Pacific Agreement Employee 401(k) Retirement Thrift Plan covers 28,813 participants in Nebraska, 52x the typical Nebraska plan (state average ~552 per filing). Assets: $2.4B.

#3,258
in Transportation & Warehousing (3,299 peers)
+6.0%
assets growth YoY
24×
vs typical plan assets (national mean)

Union Pacific Agreement Employee 401(k) Retirement Thrift Plan's outsized position by total assets

Union Pacific Agreement Employee 401(k) Retirement Thrift Plan vs every filed plan by assets

End-of-year total assets · plan year 2024 · DOL Form 5500

$2,389,799,139 Top 1% higher than 99% of 123,620 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 2024

Union Pacific Agreement Employee 401(k) Retirement Thrift 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. Union Pacific Agreement Employee 401(k) Retirement Thrift Plan is a mega filing (28,813 participants), the rightmost band on the breakdown.

What changed between DOL Form 5500 filings

plan year 2023 → plan year 2024

  • Union Pacific Agreement Employee 401(k) Retirement Thrift Plan reported net income fell from $290M in the plan year 2023 filing to $135M in the plan year 2024 filing.
  • Union Pacific Agreement Employee 401(k) Retirement Thrift Plan end-of-year assets rose from $2.3B in the plan year 2023 filing to $2.4B in the plan year 2024 filing.
  • Union Pacific Agreement Employee 401(k) Retirement Thrift Plan reported participants rose from 27,770 in the plan year 2023 filing to 28,813 in the plan year 2024 filing.

See the national 2023→2024 release diff →

Form 5500 schedule snapshot

Filing strip 946001323 · Union Pacific Railroad Company PY 2024 · 401(k)

Union Pacific Agreement Employee 401(k) Retirement Thrift Plan · $2.4B · 28,813 · 99th

  • VS-ST $2.4B
  • BOY 28,813
  • SCH 99th
  • EBSA 401(k)
  • PART near Henkel 401(k) and Defined Contribution Plan
  • TYPE ind #3258

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 Transportation & Warehousing retirement plans → · Plans in Nebraska →

Union Pacific Agreement Employee 401(k) Retirement Thrift Plan in the asset neighbourhood

Old Dominion 401(k) Retirement PlanOld Dominion 401(k) Retireme…$2.4BUnion Pacific Agreement Employee 401(k) Retirement Thrift PlanUnion Pacific Agreement Empl…$2.4BHenkel 401(k) and Defined Contribution PlanHenkel 401(k) and Defined Co…$2.4BWolters Kluwer 401(k) Plan$2.4BThe Pearson Retirement Plan 401(k)The Pearson Retirement Plan …$2.4B
End-of-year total assets ($B) among Union Pacific Agreement Employee 401(k) Retirement Thrift Plan and nearest nationwide 401(k) peers. Source: DOL Form 5500 plan year 2024.

Nebraska filing particulars

Total Assets (Beginning of Year)$2.3B
Net Assets (End of Year)$2.4B
Net Income$135M
Employer EIN946001323
Plan Effective Date1990-07-01
Filing StatusFILING RECEIVED

Sponsor Plan History (Union Pacific Railroad Company)

Sponsor-wide plan assets over time

All Union Pacific Railroad Company plans reported in each filing year

Latest sponsor-wide plan assets
$2.5B 20.278168871020664% vs 2022
2024 filing year
$1.8B$2B$2.2B$2.4B$2.6B 202220232024 $2.04B $2.45B ▲ +20.1%
Year Plans Participants Total Assets
2022 3 28,982 $2.0B
2023 3 27,778 $2.3B
2024 3 28,819 $2.5B

Nearby 401(k) Plans in Nebraska

Peer 401(k) plans, same state, same plan type, ranked by total assets.

Union Pacific Agreement Employee 401(k) Retirement Thrift Plan vs. nearby 401(k) plans in Nebraska, assets vs. participants Scatter plot of 6 data points. 010000200003000040000 0246810 Total assets ($B) Participants Union Pacific Agreement Employee 401(k) Retirement Thrift Plan, Total assets ($B): 2.389799139 · Participants: 28813Union Pacific Agreement Employee 401(k) Retirement Thrift PlanHdr, Inc. Best Plan and ESOP, Total assets ($B): 7.698378085 · Participants: 11460Hdr, Inc. Best Plan and ESOPPeter Kiewit Sons, Inc. Retirement Savings Plan, Total assets ($B): 2.800326806 · Participants: 17030Peter Kiewit Sons, Inc. Retirement Savings PlanUnion Pacific Corporation Thrift Plan, Total assets ($B): 2.304431309 · Participants: 5350Union Pacific Corporation Thrift PlanFirst National of Nebraska, Inc. First Savings Plan, Total assets ($B): 1.045428819 · Participants: 4950First National of Nebraska, Inc. First Savings PlanMutual of Omaha 401(k) Retirement Savings Plan, Total assets ($B): 1.017450258 · Participants: 5814Mutual of Omaha 401(k) Retirement Savings Plan
Union Pacific Agreement Employee 401(k) Retirement Thrift Plan vs. nearby 401(k) plans in Nebraska, assets vs. participants
Compare Union Pacific Agreement Employee 401(k) Retirement Thrift Plan side-by-side with 3 peers →

Scale composition for Union Pacific Agreement Employee 401(k) Retirement Thrift Plan

Union Pacific Agreement Employee 401(k) Retirement Thrift Plan reports $2.4B in end-of-year assets across 28,813 participants (0.019% of the $12.3T held by all Form 5500 filers in the national rollup , and 0.031% of 93,925,755 covered participants) - about $82,942 per participant (60% of the national average assets-per-participant) . Net income for plan year 2024 was $135M.

This plan identity (EIN 946001323, plan #015) has 3 Form 5500 filings on file from 2022 to 2024 , with end-of-year assets moving from $2.0B to $2.4B (+21.6%) while covered participants moved from 28,974 to 28,813 . Single-year sparse filers cannot show that trail.

Plan year Participants EOY assets Filing
2022 28,974 $2.0B Open filing
2023 27,770 $2.3B Open filing
2024 · index core 28,813 $2.4B This page

Union Pacific Agreement Employee 401(k) Retirement Thrift Plan's out-of-state 401(k) peers by assets and headcount

Outside Nebraska, the nearest 401(k) by assets is Henkel 401(k) and Defined Contribution Plan in CT ($2.4B); by covered participants it is Endeavor Health 401(k) Plan in IL (28,727 participants). Same-state nearby plans are listed separately above.

Closest by plan assets

Nearest other-state filings by tot_assets_eoy ($2.4B here).

Similar participant headcount

Nearest other-state filings by covered participants (28,813 participants); asset peers above are excluded.

DOL Form 5500 plan year 2024. Asset totals can differ widely at the same headcount; neither axis is a quality rating.

Frequently Asked Questions

How did Union Pacific Agreement Employee 401(k) Retirement Thrift Plan assets move in 2024? ▼
Union Pacific Agreement Employee 401(k) Retirement Thrift Plan grew at a solid clip - up 6.0% during 2024, from $2.3B to $2.4B. Reported net income was $135M.
How have Union Pacific Railroad Company plan assets changed over time? ▼
Across 3 plan years on file (2022-2024), Union Pacific Railroad Company's sponsor-wide assets grew 20.3%, from $2.0B to $2.5B.
Where does Union Pacific Agreement Employee 401(k) Retirement Thrift Plan rank by assets among Form 5500 filers? ▼
Union Pacific Agreement Employee 401(k) Retirement Thrift Plan ranks in the 99th percentile by end-of-year assets among 123,622 plans that reported assets for plan year 2024 (among the largest 1% of all filed plans).
Which 401(k) plans are similar in size to Union Pacific Agreement Employee 401(k) Retirement Thrift Plan? ▼
Among 401(k) plans in other states, the closest by assets is Henkel 401(k) and Defined Contribution Plan in CT ($2.4B, 7,122 participants).
Which 401(k) plans cover a similar participant headcount to Union Pacific Agreement Employee 401(k) Retirement Thrift Plan? ▼
Among 401(k) plans in other states, the closest by covered participants is Endeavor Health 401(k) Plan in IL (28,727 participants, $2.3B in assets).

Source: U.S. Department of Labor, Employee Benefits Security Administration (EBSA), Form 5500 public disclosure dataset. Plan year 2024.

Source: DOL EFAST2 filing system (efast.dol.gov) - original filing retrieval by EIN 946001323.

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.