Jet.Com Retirement Trust
Walmart Inc. · Bentonville, AR · EIN 710415188 · Plan 006 · Form 5500 for plan year 2024
What Walmart put into the plan, per active participant
Not on this filing
Schedule H leaves the employer contribution line blank on this filing. A blank line is an unfilled line, not a zero, and one sponsor often files several plans, so the employer money can sit in another plan of the same sponsor.
Nothing is filled in from an average, from another year or from another plan.
Source: Form 5500 filing for the plan year ended December 31, 2024, received by the DOL August 20, 2025 · DOL EFAST2 ↗
What the plan cost, per participant
$5.62
The plan paid $5.62 per participant in plan-paid administrative expenses in plan year 2024, cheaper than 97% of plans with 100–499 participants. The middle plan of that size paid $156.87.
Why a plan this big pays less per person before anything else
Bigger plans pay less per head by construction, because the same negotiated bill divides across more people. That is why this ranking sits inside the plan's own size cohort and is never taken across all plans.
Schedule H reports only what came out of plan assets. Fees the sponsor pays directly, and fees taken inside fund expense ratios, never appear here, so this is a floor and not the all-in cost.
401(k) Monitor Score
Not scored
This filing reports one of the two amounts the score is built from, so it takes none. Schedule H leaves the employer contribution line blank on this filing. A blank line is an unfilled line, not a zero, and one sponsor often files several plans, so the employer money can sit in another plan of the same sponsor.
It keeps whichever of the two it does report, above. Nothing is filled in from an average, from another year or from another plan, because a two-part score computed on one part is a different measure wearing the same name.
What the score would read, on a filing that carries both: Where this plan stands against plans of its size and industry on two amounts its Form 5500 reports: employer money in per active person, and plan-paid cost per person. It reads no match formula, no vesting schedule and no fund lineup, because a Form 5500 states none of them.
On this page: the match and vesting terms · what to check next · every figure on the filing · fees itemised · the plans this one is ranked against · service providers
The match and vesting terms, from a Form 11-K
The match formula and the vesting schedule are stated in a Form 11-K, which is filed only by employers whose plan holds company stock. A Form 5500 reports neither.
What Walmart puts in
$2,970
a year, at a $49,500 salary.
The match paragraph, word for word
“The Company match is 100% of deferrals up to 6% of each participant's eligible wages for the Plan year. Company matching contributions are contributed to the Plan each payroll period and are calculated based on each participant's cumulative compensation and cumulative elective and catch-up contributions through such payroll period. Rollover contributions into the Plan are not eligible for a Company matching contribution.”
What you contribute to collect all of it
Contribute at least 6% of your pay to collect the full match.
That is $2,970 a year at a $49,500 salary, and it scales with your own.
Vesting score
100 out of 100
How fast the employer’s money becomes yours. Higher than 48% of the 253 schedules we have scored.
It measures vesting speed and nothing else. It says nothing about the size of the match, what the plan charges, or the funds inside it.
Share of the employer's money that is the worker's at hire and at each of the first 6 anniversaries: 100%, 100%, 100%, 100%, 100%, 100%, 100%. The score is the average of those 7 readings.
Vesting, word for word
“Participants are immediately vested in all elective, catch-up, rollover, Company matching and qualified non-elective contributions. A participant's profit sharing contribution account shall vest based on years of service at a rate of 20% per year from years two through six and may become fully vested upon participant retirement at age 65 or above, total and permanent disability, or death.”
A worker hired today collects no match for 1 year. This is a filed term, and it does not move the score above.
Eligibility, word for word
“Each eligible employee may begin receiving matching contributions on the first day of the month after completing at least 1,000 hours of service in a consecutive 12-month period commencing on date of hire (or during any subsequent Plan year).”
The plan tops the match up after year end, so contributing unevenly through the year does not cost the worker part of it.
The same match paragraph, word for word
“The Company match is 100% of deferrals up to 6% of each participant's eligible wages for the Plan year. Company matching contributions are contributed to the Plan each payroll period and are calculated based on each participant's cumulative compensation and cumulative elective and catch-up contributions through such payroll period. Rollover contributions into the Plan are not eligible for a Company matching contribution.”
The wait before the match starts and the year-end true-up appear above when the filing states them. Neither is part of the score, and a filing that is silent on one of them is not a plan without it.
What the plan costs, against plans of its size
3rd percentile
$5.62 per participant in plan-paid administrative cost, cheaper than 97% of plans with 100–499 participants.
The match, vesting and eligibility terms above are read from the Form 11-K filed by Walmart Inc., whose page states the full formula, the vesting schedule and the sentence behind each one.
What to check next
Collecting the whole match
Walmart’s Form 11-K pays the whole match at 6% of pay, which is $2,970 a year at a $49,500 salary and scales with your own. Your payslip and your recordkeeper account both show the rate you set. A rate below 6% collects less than the whole match.
That Form 11-K covers plan year 2026. The plan’s Summary Plan Description states the terms in force, and the plan administrator must provide it to participants on request.
A blank line is not a zero
Schedule H leaves the employer contribution line unfilled on this filing, which is not the same as reporting nothing was paid in. Walmart files 2 other plans under this EIN, and employer money can sit in one of them: Walmart 401(k) Plan, Walmart Puerto Rico 401(k) Plan. Your own statement shows what reached your account.
Weighing this employer against another
Walmart’s filed match formula is set against another employer’s, term by term, on 6 pages: Home Depot, Kroger, Lowe's, Best Buy, Macy's and O'Reilly Automotive.
Your own numbers are not on this page
Every figure here is the whole plan for plan year 2024, taken from one filing and divided by headcounts. Your own contribution rate, your balance and the fees taken from your account are on your recordkeeper’s site. What you may put in during a year is set by the IRS and not by the plan: this year’s limits ↗.
Key figures
| Total plan assets, end of year | $4,293,725 |
|---|---|
| Net assets | $4,293,725 |
| Participants, beginning of year | 473 |
| Of which active | 192 |
| Plan type | Single employer |
| Size cohortThe peer group we rank fees against. | 100–499 participants |
| Employer share of the money that went in, plan year 2024One of the two contribution lines is blank on this filing. A blank employee line against a filled employer line would read as every dollar coming from the employer, which is a gap in the filing rather than a fact about the plan, so no share is shown. | not stated on this filing |
Plan-paid administrative expenses
The plan paid $2,660 in administrative expenses in plan year 2024, across 473 participants: $5.62 per participant.
| Contract administrator fees | $2,660 |
|---|---|
| Professional fees | not reported in filing |
| Investment management fees | not reported in filing |
| Other administrative fees | not reported in filing |
These are plan-paid expenses from Schedule H only. Fees the sponsor pays directly, and fees embedded in fund expense ratios, never appear here. This figure is a floor, not the all-in cost, and a low number is not “free”.
The plans this one is ranked against
Fees on this page are ranked against the 100–499 participant cohort, where the median plan pays $156.87 per participant. The sponsor files from Arkansas, one of 310 plans on file there, at a median of $119.81 per participant. Its business code places the plan in retail, one of 2,305 on file, which run to a median of $93.99.
Plans of a similar size in Arkansas
| Plan | Participants | Cost per participant |
|---|---|---|
| South Arkansas Regional Hospital, LLC 401(k) PlanSouth Arkansas Regional Hospital, LLC | 484 | $24.83 |
| Quantum Plastics 401(k) PlanQp Holdings, LLC | 479 | $159.65 |
| Outdoor Cap Company, Inc. 401(k) Profit Sharing PlanOutdoor Cap Company, Inc. | 470 | $53.91 |
| Bella Vista Village Property Owners Association 401(k)Bella Vista Village Property | 469 | $23.08 |
Service providers (Schedule C)
Not reported in filing. Plans with bundled or revenue-sharing arrangements often report no Schedule C provider compensation. Absence here is a reporting artifact, not a $0 cost.
Useful links
- Find a 401(k) you left at an old job ↗
The DOL's Retirement Savings Lost & Found. Free and official.
- Look up this plan's full Form 5500 ↗
The DOL's own filing search. Search by plan or sponsor name.
- Download this plan's data (CSV) ↗
Every field on this page, one row, ready for a spreadsheet.
Source
| Dataset | DOL EFAST2 Form 5500 bulk data (FOIA) |
|---|---|
| Form year | 2024 |
| Filing ACK_ID | 20250820124613NAL0005622272001 |
| Dataset last refreshed | July 28, 2026 |
Bulk dataset at askebsa.dol.gov ↗ · Look up the filing on EFAST2 ↗
Filings lag by design: a plan can file up to 9½ months after its year ends, so this is the newest data on file. Why filings lag
Cite this page
401(k) Monitor, "Jet.Com Retirement Trust: Form 5500 facts", from DOL EFAST2 filing 20250820124613NAL0005622272001, plan year ended December 31, 2024.