Wholesale trade 401(k) plans

Name: Median plan-paid 401(k) administrative cost per participant, wholesale trade
Creator: 401(k) Monitor
License: https://401kmonitor.com/licence/

The median 401(k) plan in wholesale trade paid $149.72 per participant per year in plan-paid administrative fees, computed from 3,304 of the 3,490 wholesale trade plans published here, form year 2024.

Computed from DOL EFAST2 Form 5500 bulk data, not surveys. The 57,824 plans published so far are a subset of the 57,824 large plans in the form-year-2024 data, so this median describes the published subset, not the whole industry.

$149.72

Median plan-paid administrative cost per participant per year among 3,304 wholesale trade plans with usable fee data, form year 2024.

$27.55 above the $122.17 median across all published plans.

How do wholesale trade 401(k) fees compare?

Wholesale trade median$149.72

All published plans$122.17

Plan size drives fees more than industry does: bigger plans pay less per head. See median fees by plan size before reading an industry gap as an industry effect.

89 of the biggest wholesale trade 401(k) plans

The wholesale trade plans this site submits to search engines come first, then the rest; each group is ranked by active participants. Assets are Schedule H total assets at end of plan year. Fee is plan-paid admin cost per participant. Amounts in USD.
Plan	Sponsor	Active participants	Assets	Fee ($)
Thermo Fisher Scientific Inc. 401(k) Retirement Plan	Thermo Fisher Scientific Inc.	52,390	$10.3B	35.59
Acosta, Inc. 401(k) Retirement Plan	Acosta, Inc.	51,410	$838.9M	23.70
Sysco Corporation Employees' 401(k) Plan	Sysco Corporation	44,702	$5.3B	43.73
Toyota Motor North America, Inc. Retirement Savings Plan	Toyota Motor North America, Inc.	44,145	$13.3B	81.36
EssilorLuxottica Retirement Savings Plan 1	EssilorLuxottica USA Inc.	38,884	$1.5B	21.43
401(k) Savings And Profit Sharing Plan For Employees Of Nike, Inc.	Nike, Inc.	36,539	$5.9B	42.98
Performance Food Group Employee Savings Plan	Performance Food Group, Inc.	35,047	$1.9B	50.43
Genuine Parts Company 401(k) Savings Plan	Genuine Parts Company	31,464	$2.5B	62.38
Builders Firstsource 401(k) Savings Plan	Builders Firstsource, Inc.	31,456	$1.7B	40.72
Cardinal Health 401(k) Savings Plan	Cardinal Health, Inc.	31,015	$4.8B	47.11
Ferguson Enterprises, LLC, 401(k) Retirement Savings Plan	Ferguson Enterprises, LLC	30,502	$3.6B	33.14
US Foods 401(k) Plan	US Foods, Inc.	27,150	$2.5B	40.00
The Cargill Partnership Plan	Cargill, Incorporated	26,979	$8.9B	75.65
McKesson Corporation 401(k) Retirement Savings Plan	McKesson Corporation	26,640	$5.7B	27.88
UNFI 401(k) Plan	United Natural Foods, Inc.	24,741	$2.8B	27.61
Medline Industries, Lp Retirement Plan	Medline Industries,Lp	23,198	$1.6B	60.56
McLane Company, Inc. Profit Sharing Plan	McLane Company, Inc.	21,394	$1.5B	66.81
ABC Supply Company Employees' Savings & Retirement Plan	American Builders & Contractors Supply Co Inc.	19,397	$1.3B	53.62
Southern Glazer's 401(k) Plan	Southern Glazer's Wine And Spirits, LLC	18,219	$2.1B	59.23
Spartannash Company Savings Plus Plan	Spartannash Company	16,791	$709.5M	22.60
Cencora Employee Investment Plan	Cencora, Inc.	16,073	$2.1B	39.15
Gordon Food Service, Inc. Profit Sharing Plan	Gordon Food Service, Inc.	13,985	$2.8B	110.74
US Lbm Holdings, LLC 401(k) Plan	US Lbm, LLC	13,254	$620.4M	65.51
Wesco Distribution, Inc. Retirement Savings Plan	Wesco Distribution, Inc.	13,146	$1.9B	73.86
Bmw Savings Plan	Bmw Of North America, LLC	12,867	$2.3B	173.15
Reliance, Inc. Master 401(k) Plan	Reliance, Inc.	12,293	$1.7B	20.68
Hd Supply 401(k) Retirement Plan	Hd Supply	12,171	$556.3M	50.01
Fj Management Inc. 401(k) Plan	Fj Management Inc.	12,091	$278.6M	92.07
Owens & Minor 401(k) Savings And Retirement Plan	Owens & Minor, Inc.	11,743	$993.5M	105.20
Ricoh USA, Inc. Retirement Savings Plan	Ricoh USA, Inc.	11,575	$2.2B	66.32
Employee 401(k) Savings Plan	Consolidated Electrical Distributors	11,443	$1.2B	62.44
Fanatics 401(k) Retirement Plan	Fanatics Holdings, Inc.	10,927	$364.4M	67.49
Ralph Lauren Corporation 401(k) Plan	Ralph Lauren Corporation	10,794	$826.6M	36.51
Alex Lee, Inc. And Affiliates Retirement Savings Plan	Alex Lee, Inc.	10,743	$323.1M	59.59
Skechers USA, Inc. 401(k) Profit Sharing Plan	Skechers USA, Inc.	10,693	$237.0M	1.68
Sonepar USA 401 (K) Plan	Sonepar Management US, Inc.	10,624	$1.2B	85.85
C&S And Affiliates 401(k) Savings Plan (A)	C&S Wholesale Grocers, Inc.	10,534	$670.5M	98.23
Cemex, Inc. Savings Plan	Cemex, Inc.	9,268	$942.3M	90.47
CHS Inc. 401(k) Plan	CHS, Inc.	8,864	$1.8B	80.44
Volkswagen Group Of America, Inc. Defined Contribution And Savings Plan	Volkswagen Group Of America, Inc.	8,741	$1.6B	176.93
Panasonic Retirement Savings And Investment Plan	Panasonic Corporation Of North America	8,736	$1.7B	43.51
The Profit Sharing And Savings Plan Of Graybar Electric Company, Inc.	Graybar Electric Company, Inc.	8,694	$2.0B	94.10
Uline, Inc. Profit Sharing Plan And Trust	Uline, Inc.	8,509	$968.3M	53.66
World Wide Technology, LLC Employee Salary Deferral Retirement Program	World Wide Technology, LLC	8,069	$1.1B	102.83
Breakthru Beverage Group 40 L(K) Plan	Breakthru Beverage Group, LLC	7,882	$768.8M	103.15
TD Synnex 401(k) Retirement Plan	TD Synnex Corporation	7,856	$896.1M	44.03
Kehe Distributors, Inc. 401(k) Retirement Savings Plan	Kehe Distributors, Inc.	7,832	$326.1M	80.29
Beacon Sales Acquisition, Inc. 401(k) Profit Sharing Plan	Beacon Sales Acquisition, Inc.	7,320	$653.9M	88.22
Rexel USA, Inc. Section 401(k) Savings Plan	Rexel USA, Inc.	7,235	$972.5M	62.75
Copart, Inc. 401(k) Retirement Savings Plan	Copart, Inc.	7,203	$134.1M	71.82
Dot Holdings Co 401(k) And Profit Sharing Plan	Dot Holdings Co	7,017	$673.8M	69.04
Ace Hardware Corporation 401(k) Savings And Retirement Plan	Ace Hardware Corporation	6,953	$1.2B	n/a
Ben E. Keith Company Retirement Savings Plan	Ben E. Keith Company	6,677	$494.0M	23.85
Red Bull North America, Inc. Retirement Income Plan	Red Bull North America, Inc.	6,312	$419.6M	54.13
Watsco, Inc. Profit Sharing Retirement Plan And Trust	Watsco, Inc.	6,285	$562.1M	n/a
Helena Agri-Enterprises, LLC Savings Plan	Helena Agri-Enterprises, LLC	6,252	$678.2M	44.09
Hajoca Corporation Employees 401(k) Plan	Hajoca Corporation	6,206	$352.3M	46.34
Fisher Auto Parts 401(k) Plan	Fisher Auto Parts, Inc.	6,186	$92.4M	22.45
Orgill, Inc. 401(k) Plan	Orgill, Inc.	6,070	$275.3M	58.12
Gypsum Management And Supply, Inc. 401(k) Savings Plan	Gypsum Management And Supply Inc.	6,021	$309.8M	45.99
Shamrock Foods Company 401(k) Plan And Trust	Shamrock Foods Company	5,985	$454.8M	101.46
Ingram 401(k) Retirement Plan	Ingram Industries Inc.	5,888	$634.1M	83.86
Dealer Tire LLC 401(k) Savings Plan	Dealer Tire, LLC	5,871	$419.4M	87.60
Imperial Bag & Paper Co., LLC Employee Benefit Plan	Imperial Bag & Paper Co., LLC	5,854	$367.6M	65.39
Parts Authority LLC Profit Share/401(k) Plan	Parts Authority LLC	5,675	$77.5M	39.05
Bunzl USA, LLC Deferred Savings Plan	Bunzl USA, LLC	5,596	$942.3M	106.74
Rb Global Retirement Plan	Rb Global Holdings, Inc.	5,465	$324.5M	53.09
Pvh Associates Investment Plan	Pvh Corp	5,435	$827.6M	40.51
Fast Retailing USA 401(k) Savings Plan	Fast Retailing USA, Inc.	5,405	$115.5M	83.96
Offutt Companies 401(k) Savings Plan	R.D. Offutt Company	5,284	$592.0M	109.21
Avantor Retirement Savings 401(k) Plan And Trust	Avantor Funding, Inc.	5,274	$648.0M	71.52
Pandora Jewelry LLC 401(k) Plan	Pandora Jewelry LLC	5,226	$61.7M	20.27
The Chef's Warehouse 401(k) Profit Sharing Plan & Trust	Dairyland USA Corp.	5,198	$118.1M	52.87
Global Partners Lp 401(k) Savings And Profit Sharing Plan	Global Partners Lp	5,111	$232.7M	4.89
Api Group, Inc. 401(k) & Profit Sharing Plan	Api Group, Inc.	5,096	$675.7M	80.02
Tempur Sealy 401(k) Retirement Plan	Tempur-Pedic Management, LLC	5,070	$328.1M	30.82
Business Performance Savings Plan Of Hallmark Cards, Incorporated	Hallmark Cards, Inc.	5,013	$2.0B	124.69
Sanmar, Lkwp, And Affiliates 401(k) Plan	Sanmar Corporation	5,003	$204.3M	44.75
City Electric Supply Employee Savings Plan	City Electric Supply Company	4,972	$158.7M	25.92
Tti Incorporated 401(k) Plan	Tti, Inc.	4,950	$397.5M	98.84
Applied Industrial Technologies, Inc. Retirement Savings Plan	Applied Industrial Technologies, Inc.	4,925	$862.3M	98.65
Murphy-Hoffman Company Employee Profit Sharing Plan	Murphy-Hoffman Company	4,923	$405.1M	57.65
U.S. Venture 401(k) Retirement Savings Plan	U.S. Venture, Inc.	4,910	$398.9M	99.92
Thales Incentive 401(k) Savings Plan	Thales USA, Inc.	4,907	$1.6B	100.90
Tkc Holdings, Inc. Retirement Plan	Tkc Holdings, Inc.	4,897	$281.9M	72.42
Holt Companies Retirement Plan	B. D. Holt Company	4,849	$505.0M	98.10
The H.T. Hackney Co. Employees Profit Sharing Retirement Plan And Trust	The H. T. Hackney Company	4,846	$125.3M	72.98
Ingram Micro 401(k) Investment Savings Plan	Ingram Micro Inc.	4,822	$741.8M	132.84
Pool Corporation 401(k) Plan	Scp Distributors, LLC	4,766	$436.0M	57.14

All 3,490 wholesale trade plans on file are listed below by size, and every one of them is searchable from the home page.

Every Wholesale trade plan, by size

The table above is the top of the list. These 16 pages hold all 3,490 plans on file in wholesale trade, split by how many people are in them, each ranked by active participants.

100 to 499 participants · 2,438 plans
Pages1 2 3 4 5 6 7 8 9 10
500 to 999 participants · 551 plans
Pages1 2 3
1,000 to 4,999 participants · 393 plans
Pages1 2
5,000 or more participants · 108 plans

Which wholesale trade companies disclose their 401(k) match?

For these 2 employers we also read the SEC Form 11-K and extracted the match terms, matched to this industry by the plan’s EIN.

Cencora, Inc.
100% (dollar-for-dollar) of the first 3% of pay, then 50% of the next 2% of pay
NIKE, Inc.
100% (dollar-for-dollar) of the first 5% of pay

Which employers count as wholesale trade here?

Wholesale trade, durable and nondurable (codes 423100 to 425999). Sponsors here include Cencora, US Foods and Cargill.

The code is the IRS principal business activity code the sponsor itself puts on Form 5500, line 2d. Medians count only plans whose Schedule H shows a positive plan-paid administrative expense (3,304 of 3,490 plans here). Plan-paid expenses exclude fund expense ratios and employer-paid bills, so every figure is a floor, not the all-in cost. Latest filing in this group received by the DOL July 23, 2026; source dataset last refreshed July 28, 2026. Full methodology

Cite this page

401(k) Monitor, “Wholesale trade 401(k) plans: median plan-paid administrative cost per participant”, computed from DOL EFAST2 Form 5500 bulk data, form year 2024.