State retirement profile · Form 5500

Retirement Plans in Texas

According to DOL Form 5500 filings (plan year 2024), employer-sponsored 401(k), pension, and other retirement plans headquartered in Texas report the totals below.

Data updated 2026-08-06

9,718
Plans
$977.2B
Total assets
#3
By assets

$977.2B across 9,718 plans

According to DOL Form 5500 filings (plan year 2024), Texas has 9,718 employer-sponsored retirement plans holding $977.2B in total assets for 6,837,094 participants, ranking 3rd nationally by plan assets, with 78% structured as 401(k)s and an average of $101M per plan.

  • 3rd nationally by plan assets
  • 78% 401(k) plans

The state in one line

Texas hosts 9,718 employer-sponsored retirement plans holding $977.2B for 6,837,094 participants, the 3rd-largest state by plan assets.

$977.2B
total plan assets
9,718
employer plans
$142,928
avg assets per participant
78%
of plans are 401(k)s
401(k) Plans
7,616
Participants
6,837,094

What the Form 5500 Data Shows for Texas

Texas: 9,718 employer-sponsored plans (7,616 401(k)), $977.2B aggregate assets, 6,837,094 participants. Average plan: $101M; largest is AT&T Retirement Savings Plan at $43.1B. Leading sector by assets: Manufacturing (29%). These figures aggregate the 9,718 Form 5500 filings Texas sponsors submitted for plan year 2024, counted by sponsor headquarters rather than participant residence; a plan administered in Texas can cover workers across several states, and the methodology page details that HQ-vs-residence distinction. DOL Form 5500 methodology + HQ-vs-residence caveats →

Manufacturing leads Texas plan assets (29%)

Among plans headquartered here, Manufacturing accounts for $281.8B across 1,146 filings, ahead of Information & Media at $102.0B. Sector mix is a Form 5500-derived signal: it reflects where sponsors file from, not where every participant lives.

DOL Form 5500 plan year 2024

Texas hosts 247 ESOP filings

Employee Stock Ownership Plans here hold $32.0B. ESOP density is uneven across states; when the count clears a meaningful floor, the ESOP ranking and industry pages are the better drill-downs than a 401(k)-only read.

DOL Form 5500 plan year 2024

Where Texas sits in the Form 5500 corpus

Texas sits in the top decile of U.S. states by Form 5500 plan assets (#3 of 56), so national rankings and peer comparisons are the useful next read.

DOL Form 5500 plan year 2024

Industry mix in Texas

Top sectors by Form 5500 plan assets for sponsors headquartered here (plan year 2024).

Industry Plans Assets
Manufacturing 1,146 $281.8B
Information & Media 215 $102.0B
Transportation & Warehousing 301 $92.7B
Professional & Technical Services 1,510 $87.6B
Finance & Insurance 614 $65.7B

Largest Plans in Texas

# Plan Name Type Participants Total Assets
1 AT&T Retirement Savings Plan 401(k) 109,889 $43.1B
2 AT&T Pension Benefit Plan Defined Benefit (Pension) 100,400 $28.3B
3 Sammons Enterprises, Inc. Employee Stock Ownership Plan ESOP 3,284 $23.9B
4 Exxonmobil Savings Plan 401(k) 21,990 $23.7B
5 Chevron Employee Savings Investment Plan 401(k) 21,505 $20.4B
6 Caterpillar 401(k) Savings Plan 401(k) 43,873 $18.8B
7 Southwest Airlines Co. Retirement Savings Plan 401(k) 67,820 $17.0B
8 American Airlines, Inc. 401(k) Plan 401(k) 93,397 $16.2B
9 Dell Inc. 401(k) Plan 401(k) 40,874 $14.7B
10 Toyota Motor North America, Inc. Retirement Savings Plan 401(k) 43,916 $13.3B
11 Exxonmobil Pension Plan Defined Benefit (Pension) 22,000 $12.1B
12 American Airlines, Inc. 401(k) Plan for Pilots 401(k) 15,991 $11.7B
13 Southwest Airlines Pilots Retirement Savings Plan 401(k) 11,242 $11.6B
14 Shell Provident Fund 401(k) 12,718 $11.5B
15 Usaa Retirement Savings Plan 401(k) 37,273 $10.9B
16 Hp Inc. 401(k) Plan 401(k) 14,722 $10.3B
17 Chevron Retirement Plan Defined Benefit (Pension) 21,297 $9.7B
18 Shell Pension Plan Defined Benefit (Pension) 12,688 $9.7B
19 Insperity 401(k) Plan 401(k) 177,779 $9.4B
20 Caterpillar Inc. Retirement Income Plan Defined Benefit (Pension) 11,498 $9.2B
21 Schwabplan Retirement Savings and Investment Plan 401(k) 34,452 $8.9B
22 Hewlett Packard Enterprise 401(k)Plan 401(k) 15,164 $8.8B
23 Tenet Healthcare Corporation 401(k) Retirement Savings Plan 401(k) 107,575 $8.7B
24 Bp Employee Savings Plan 401(k) 9,303 $8.3B
25 Ti Contribution and 401(k) Savings Plan 401(k) 13,777 $8.1B

Nearby States by Retirement Plan Footprint

States ranked adjacent to Texas by total retirement plan assets.

Compare Texas side-by-side with 3 peer states →

Frequently Asked Questions

What is the largest retirement plan headquartered in Texas? ▼
The largest Form 5500 filing by assets with a headquarters address in Texas is AT&T Retirement Savings Plan ($43.1B, 109,889 participants).
Which industry leads Texas retirement plan assets? ▼
Manufacturing leads with $281.8B across 1,146 plans headquartered here (29% of state plan assets).
How does Texas compare to other states for retirement plans? ▼
Texas sits in the top decile of U.S. states by Form 5500 plan assets (#3 of 56), so national rankings and peer comparisons are the useful next read.

Next read for Texas

Industry-mix reading

Ways to act on Texas's numbers.

Source: U.S. Department of Labor, EBSA Form 5500 public disclosure dataset. Shows the top 25 plans by total assets headquartered in Texas, out of 122,942 ERISA-covered plans nationally. Plan year 2024.

Source: DOL EFAST2 filing system (efast.dol.gov) - state is the plan sponsor's headquarters state as recorded on the Form 5500 filing.

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.