United Airlines Pilot Retirement Account Plan
United Airlines, Inc. · Chicago, IL · EIN 742099724 · Plan 202 · Form 5500 for plan year 2024
What United Airlines put into the plan, per active participant
$42,476
United Airlines, Inc. put $42,476 into this plan for each of its 17,444 active participants in plan year 2024. That is the whole employer side, matching money, profit sharing, non-elective and safe-harbor contributions and reallocated forfeitures together, because the Form 5500 reports them on one line, so it is not the match rate.
United Airlines put in more per active participant than 99% of plans with 5,000+ participants in transportation and logistics. The middle plan in that group of 124 reported $1,783. Transportation and logistics comes from business code 481000, which United Airlines, Inc. entered on its own Form 5500. Sponsors pick that code themselves, so a code that does not describe what the employer does ranks the plan against the wrong companies.
What this figure cannot separate: how much United Airlines pays, and how much it puts in
This is dollars, not a rate. A Form 5500 carries no payroll, so the figure reflects both how much the employer puts in and how much the employer pays: two plans running the same formula report different amounts when one pays better. Crossing the peer group with industry holds most of that difference still, and none of it disappears.
This is one plan year, not an average. A true-up, a plan merger or a one-off contribution moves a single year on its own.
Source: Form 5500 filing for the plan year ended December 31, 2024, received by the DOL April 29, 2026 · DOL EFAST2 ↗
What the plan cost, per participant
$1,418.33
The plan paid $1,418.33 per participant in plan-paid administrative expenses in plan year 2024, more expensive than 100% of plans with 5,000+ participants. The middle plan of that size paid $54.84.
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
69 out of 100
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.
- What the employer put in, per active participant: $42,476. Higher than 99% of plans with 5,000+ participants in transportation and logistics.
- What the plan cost, per participant: $1,418. Nothing among plans with 5,000+ participants costs more.
On this page: where the match terms are stated · 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 United Airlines puts in
Not in public filings for this employer
We have no SEC Form 11-K for this employer, and the Form 5500 this page is built from does not report match terms.
Two places state the terms in full: your plan’s Summary Plan Description, which your employer must provide on request, and your recordkeeper’s site, which for this plan is Schwab Workplace ↗.
What you contribute to collect all of it
Not in public filings for this employer
The rate that collects the full match is part of the match formula, which a Form 5500 does not report.
Vesting score
Not scored
The vesting schedule is stated in a Form 11-K, and we have none for this employer.
A schedule this cannot read at whole-year anniversaries is left without a number rather than given a middle one.
What the plan costs, against plans of its size
100th percentile
$1,418.33 per participant in plan-paid administrative cost, more expensive than 100% of plans with 5,000+ participants.
What to check next
What to ask about the fees
This plan paid $1,418.33 per participant out of plan assets, more than 100% of plans with 5,000+ participants, where the middle plan paid $54.84. The filing does not say what the difference buys. Two questions put that to a benefits or HR team: what the recordkeeping and administration contract costs, and how much of it comes out of participant accounts rather than being paid by United Airlines. The lines this total is made of are further down.
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, which this filing names as Schwab Workplace ↗. 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 | $16,835,964,452 |
|---|---|
| Net assets | $16,803,528,466 |
| Participants, beginning of year | 19,509 |
| Of which active | 17,444 |
| Plan type | Single employer |
| Size cohortThe peer group we rank fees against. | 5,000+ participants |
| Employer share of the money that went in, plan year 2024The rest came from employees, who put in $302,021,558. The share falls when employees save more, so a plan whose staff contribute heavily reads lower here through no act of the employer. It is printed as a fact and it is not part of the score. | 71% |
Plan-paid administrative expenses
The plan paid $27,670,183 in administrative expenses in plan year 2024, across 19,509 participants: $1,418.33 per participant.
| Contract administrator fees | not reported in filing |
|---|---|
| Professional fees | not reported in filing |
| Investment management fees | $27,417,197 |
| 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 5,000+ participant cohort, where the median plan pays $54.84 per participant. The sponsor files from Illinois, one of 2,805 plans on file there, at a median of $124.07 per participant. Its business code places the plan in transportation and logistics, one of 1,926 on file, which run to a median of $95.71.
Plans of a similar size in Illinois
| Plan | Participants | Cost per participant |
|---|---|---|
| Amalgamated Transit Union National 401(k) Pension PlanBoard Of Trustees Of The Amalgamated Transit Union | 21,095 | $36.27 |
| National Express Safe Harbor 401(k) PlanDurham School Services, L.P. | 19,913 | $24.77 |
| Dover Corporation Retirement Savings PlanDover Corporation | 19,106 | $74.29 |
| Lkq Corporation Employees' Retirement PlanLkq Corporation | 19,031 | $32.79 |
Service providers (Schedule C)
Recordkeeper: Charles Schwab (as filed: “SCHWAB RETIREMENT PLAN SERVICES, IN”)
769 plans on file name Charles Schwab as their recordkeeper, at a median of $127.09 per participant.
| Provider | Service codes | Direct comp. ($) | Indirect comp. ($) |
|---|---|---|---|
| O'Hagan Group Inc. | 50, 26 | 3,524,996 | not reported |
| Johnson Wealth Inc. | 50, 26 | 275,053 | not reported |
| United Wealth Management LLC | 50, 26 | 1,510,049 | not reported |
| Parsons Capital Mgmt LLC | 50, 26 | 1,244,124 | not reported |
| Solitude Financial Services | 50, 26 | 1,069,369 | not reported |
| Fisher Investments | 50, 26 | 1,076,937 | not reported |
| Ratio Wealth Group LLC | 50, 26 | 676,883 | not reported |
| Aviator Financial Consulting L | 50, 26 | 912,606 | not reported |
| Total Investment Management In | 50, 26 | 675,182 | not reported |
| Charles Schwab & Co., Inc. | 72, 62, 71, 59, 50, 33 | 709,366 | not reported |
| Avion Wealth LLC | 50, 26 | 619,787 | not reported |
| Act Wealth Management LLC | 50, 26 | 723,860 | not reported |
| Symphony Financial Ltd. Co | 50, 26 | 851,293 | not reported |
| Schwab Retirement Plan Services, In | 50, 64, 15 | 260,866 | not reported |
| Mountain Capital Investment Ad | 50, 26 | 757,849 | not reported |
| Alliance Bernstein Lp | 50, 28 | 575,961 | not reported |
| Creative Planning LLC | 50, 26 | 757,292 | not reported |
| Allworth Financial Lp | 50, 26 | 295,344 | not reported |
| Smith Anglin Financial LLC | 50, 26 | 264,868 | not reported |
| Morningstar Investment Service | 50, 26 | 462,674 | not reported |
| Aveo Capital Partners LLC | 50, 26 | 212,320 | not reported |
| Zacks Investment Management In | 50, 26 | 182,377 | not reported |
| Envestnet Asset Management Inc. | 50, 26 | 132,718 | not reported |
| Saint Francis Capital LLC | 50, 26 | 162,895 | not reported |
| Seraphim Wealth Advisors Inc. | 50, 26 | 159,252 | not reported |
| White Wing Wealth Management L | 50, 26 | 128,726 | not reported |
| Smartx Advisory Solutions LLC | 50, 26 | 129,303 | not reported |
| Cambridge Investment Research | 50, 26 | 143,999 | not reported |
| Woodley Farra Manion Portfolio | 50, 26 | 128,687 | not reported |
| Oarsman Capital Inc. | 50, 26 | 921,776 | not reported |
| Bonfire Financial LLC | 50, 26 | 145,891 | not reported |
| Mariner LLC | 50, 26 | 95,459 | not reported |
| Brinker Capital Investments Ll | 50, 26 | 41,980 | not reported |
| Centaurus Financial Inc. | 50, 26 | 102,186 | not reported |
| Wisdom Wealth Strategies LLC | 50, 26 | 77,502 | not reported |
| Axxcess Wealth Management LLC | 50, 26 | 34,015 | not reported |
| Savant Capital LLC | 50, 26 | 67,744 | not reported |
| Ep Wealth Advisors LLC | 50, 26 | 65,528 | not reported |
| American Money Management LLC | 50, 26 | 50,926 | not reported |
| Eversource Wealth Advisors LLC | 50, 26 | 70,503 | not reported |
| Cetera Investment Advisers LLC | 50, 26 | 44,635 | not reported |
| Beacon Pointe Advisors LLC | 50, 26 | 48,155 | not reported |
| Matson Money Inc. | 50, 26 | 30,734 | not reported |
| Hightower Advisors LLC | 50, 26 | 91,079 | not reported |
| Cerity Partners LLC | 50, 26 | 85,503 | not reported |
| Flexible Plan Investments Ltd | 50, 26 | 26,116 | not reported |
| Merriman Wealth Management LLC | 50, 26 | 26,432 | not reported |
| Parallel Advisors LLC | 50, 26 | 28,363 | not reported |
| Godsey & Gibb Inc. | 50, 26 | 41,835 | not reported |
| Brookstone Capital Management | 50, 26 | 31,250 | not reported |
| Wambolt & Associates | 50, 26 | 41,334 | not reported |
| Wealthnet Investments LLC | 50, 26 | 15,025 | not reported |
| Financial Advocates Investment | 50, 26 | 59,094 | not reported |
| Financial Engines Advisors LLC | 50, 26 | 62,057 | not reported |
| Regal Investment Advisors LLC | 50, 26 | 39,139 | not reported |
| Market Guard | 50, 26 | 27,691 | not reported |
| Generational Wealth Advisors | 50, 26 | 27,598 | not reported |
| Pacific Financial Group Inc. | 50, 26 | 36,566 | not reported |
| Chemistry Wealth | 50, 26 | 34,313 | not reported |
| Private Capital Management LLC | 50, 26 | 33,326 | not reported |
| First Foundation Advisors | 50, 26 | 29,840 | not reported |
| Capfinancial Partners LLC | 50, 26 | 28,516 | not reported |
| Balboa Wealth Partners Inc. | 50, 26 | 38,163 | not reported |
| Toth Financial Advisory Corp | 50, 26 | 33,862 | not reported |
| Manhattan West Asset Managemen | 50, 26 | 17,395 | not reported |
| Stratos Wealth Partners Ltd | 50, 26 | 26,701 | not reported |
| Lmcg Investments LLC | 50, 26 | 28,665 | not reported |
| Corient Private Wealth LLC | 50, 26 | 64,011 | not reported |
| Bellingham Capital Management | 50, 26 | 24,049 | not reported |
| Mpi Wealth Management LLC | 50, 26 | 22,793 | not reported |
| Index Fund Advisors Inc. | 50, 26 | 25,279 | not reported |
| Graver Capital Management LLC | 50, 26 | 24,015 | not reported |
| Beta Management Consulting | 50, 26 | 23,461 | not reported |
| Efficient Advisors LLC | 50, 26 | 17,130 | not reported |
| Martel Wealth Advisors Inc. | 50, 26 | 25,046 | not reported |
| Stonemark Wealth Mgmt | 50, 26 | 25,654 | not reported |
| Manchester Financial Inc. | 50, 26 | 23,885 | not reported |
| Mcshane Partners | 50, 26 | 5,241 | not reported |
| Interocean Capital Group LLC | 50, 26 | 10,410 | not reported |
| Stoker Ostler Wealth Advisors | 50, 26 | 24,170 | not reported |
| Heritage Investment Group | 50, 26 | 21,370 | not reported |
| Alpha Financial Management | 50, 26 | 20,600 | not reported |
| Kozak & Tripp Private Asset Ma | 50, 26 | 23,107 | not reported |
| Cibc Private Wealth Advisors I | 50, 26 | 28,990 | not reported |
| Zhang Financial LLC | 50, 26 | 20,039 | not reported |
| Mission Wealth Management Lp | 50, 26 | 42,688 | not reported |
| The Mather Group LLC | 50, 26 | 18,606 | not reported |
| Hedeker Wealth LLC | 50, 26 | 21,390 | not reported |
| Vomund Investment Mgmt LLC | 50, 26 | 16,800 | not reported |
| Fortune Wealth Management LLC | 50, 26 | 20,698 | not reported |
| Latitude Advisors LLC | 50, 26 | 12,827 | not reported |
| Avior Wealth Management LLC | 50, 26 | 20,189 | not reported |
| Cookson Peirce & Co Inc. | 50, 26 | 18,385 | not reported |
| The Capital Managment Corporat | 50, 26 | 18,671 | not reported |
| The Private Investment Group I | 50, 26 | 19,422 | not reported |
| Integrated Advisors Network Ll | 50, 26 | 20,349 | not reported |
| J V Bruni And Company | 50, 26 | 18,255 | not reported |
| Halter Ferguson Financial Inc. | 50, 26 | 16,554 | not reported |
| John-Luke Financial LLC | 50, 26 | 10,351 | not reported |
| Normandy Capital Management LLC | 50, 26 | 15,718 | not reported |
| Northcoast Asset Management | 50, 26 | 7,510 | not reported |
| Lpl Financial LLC | 50, 26 | 26,263 | not reported |
| Team Hewins, LLC | 50, 26 | 16,555 | not reported |
| River Wealth Advisors LLC | 50, 26 | 26,215 | not reported |
| Kcr Wealth Management LLC | 50, 26 | 12,050 | not reported |
| Spire Wealth Management LLC | 50, 26 | 19,334 | not reported |
| Rg Financial LLC | 50, 26 | 15,598 | not reported |
| Sentinel Wealth Management Inc. | 50, 26 | 14,925 | not reported |
| Financial Synergies Wealth Adv | 50, 26 | 15,059 | not reported |
| Private Wealth Partners LLC | 50, 26 | 15,370 | not reported |
| Brasada Capital Management Lp | 50, 26 | 23,270 | not reported |
| Glass Jacobson Wealth Advisors | 50, 26 | 12,965 | not reported |
| Olio Financial Planning LLC | 50, 26 | 11,771 | not reported |
| Private Management Group Inc. | 50, 26 | 13,669 | not reported |
| Partnership Wealth Mgmnt | 50, 26 | 5,838 | not reported |
| Blue Trust Inc. | 50, 26 | 17,937 | not reported |
| Bouchey Financial Group Ltd | 50, 26 | 18,964 | not reported |
| Carlton Hofferkamp And Jenks W | 50, 26 | 8,975 | not reported |
| Mcnaughton Wealth | 50, 26 | 13,869 | not reported |
| Mifi Wealth LLC | 50, 26 | 12,675 | not reported |
| Optimize Financial Inc. | 50, 26 | 52,491 | not reported |
| Moisand Fitzgerald Tamayo LLC | 50, 26 | 11,207 | not reported |
| Rwa Wealth Partners LLC | 50, 26 | 42,802 | not reported |
| Sanctuary Advisors, LLC | 50, 26 | 12,919 | not reported |
| Wealthcare Advisory Partners | 50, 26 | 13,058 | not reported |
| Empirical Financial Services L | 50, 26 | 9,942 | not reported |
| Financial Security Advisory In | 50, 26 | 9,234 | not reported |
| Mills Wealth Advisors LLC | 50, 26 | 13,450 | not reported |
| Wealthspire Advisors LLC | 50, 26 | 12,162 | not reported |
| Nbc Trust Company | 50, 26 | 6,101 | not reported |
| Opes Wealth Management LLC | 50, 26 | 10,775 | not reported |
| Research Financial Strategies | 50, 26 | 12,060 | not reported |
| Martin Investment Management L | 50, 26 | 5,430 | not reported |
| Curran Wealth Management | 50, 26 | 13,561 | not reported |
| Revisor Wealth Management LLC | 50, 26 | 11,316 | not reported |
| Mitchell, Mcleod, Pugh & | 50, 26 | 10,632 | not reported |
| Kovitz Investment Group Partne | 50, 26 | 15,231 | not reported |
| Financial Advisory Network LLC | 50, 26 | 11,417 | not reported |
| Diamond Head Financial Advisor | 50, 26 | 13,587 | not reported |
| Baker Wealth Group LLC | 50, 26 | 11,548 | not reported |
| Front Row Advisors LLC | 50, 26 | 5,451 | not reported |
| Pathstone | 50, 26 | 10,981 | not reported |
| Cornerstone Asset Mgmnt | 50, 26 | 6,216 | not reported |
| Karpinski Financial LLC | 50, 26 | 12,183 | not reported |
| Breen Wealth Management LLC | 50, 26 | 7,894 | not reported |
| Novem Group | 50, 26 | 10,047 | not reported |
| Kaltbaum Capital Management Ll | 50, 26 | 9,064 | not reported |
| Schaefer Financial Management | 50, 26 | 8,821 | not reported |
| Sequoia Financial Advisors LLC | 50, 26 | 9,575 | not reported |
| Gill Capital Partners LLC | 50, 26 | 9,784 | not reported |
| Wealth Enhancement Advisory Se | 50, 26 | 59,488 | not reported |
| Capital Advisors Inc. | 50, 26 | 16,200 | not reported |
| Diligent Investors LLC | 50, 26 | 6,371 | not reported |
| Steelpeak Wealth LLC | 50, 26 | 9,359 | not reported |
| Broadleaf Partners LLC | 50, 26 | 9,550 | not reported |
| Alpha Financial Advisors LLC | 50, 26 | 8,109 | not reported |
| Winans International | 50, 26 | 6,618 | not reported |
| Amfg Wealth Management LLC | 50, 26 | 7,388 | not reported |
| Creativeone Wealth LLC | 50, 26 | 13,640 | not reported |
| Svb Wealth LLC | 50, 26 | 16,089 | not reported |
| Ciovacco Capital Management | 50, 26 | 10,390 | not reported |
| Nabity-Jensen Investment Mgmt | 50, 26 | 8,592 | not reported |
| Curtis Advisory Group LLC | 50, 26 | 8,895 | not reported |
| Stack Financial Management Inc. | 50, 26 | 8,161 | not reported |
| Vital Investment | 50, 26 | 7,787 | not reported |
| Freestone Capital Management L | 50, 26 | 8,418 | not reported |
| Copley Investment Management L | 50, 26 | 6,245 | not reported |
| Alpha Cubed Investments LLC | 50, 26 | 13,463 | not reported |
| Sns Financial Group LLC | 50, 26 | 7,542 | not reported |
| Independent Financial Partners | 50, 26 | 10,442 | not reported |
| Ameritas Advisory Services LLC | 50, 26 | 8,074 | not reported |
| Klingenstein Fields & Co Lp | 50, 26 | 5,431 | not reported |
| Hoover Capital, L.L.C. | 50, 26 | 8,593 | not reported |
| Perigon Wealth Management LLC | 50, 26 | 6,627 | not reported |
| Moneta Group Investment Adviso | 50, 26 | 8,628 | not reported |
| Momentous Wealth Management In | 50, 26 | 7,999 | not reported |
| New Harbor Financial Group LLC | 50, 26 | 6,760 | not reported |
| Rockwood Wealth Management LLC | 50, 26 | 11,892 | not reported |
| Islamorada Investment | 50, 26 | 11,082 | not reported |
| Motley Fool Wealth Management | 50, 26 | 20,023 | not reported |
| Kingsview Wealth Management Ll | 50, 26 | 9,818 | not reported |
| Kiker Wealth Management, LLC | 50, 26 | 5,077 | not reported |
| Kestra Private Wealth Services | 50, 26 | 19,887 | not reported |
| Cwm LLC | 50, 26 | 5,237 | not reported |
| Integrated Capital Management | 50, 26 | 6,105 | not reported |
| Johnson Investment Counsel Inc. | 50, 26 | 14,017 | not reported |
| Dsg Capital Advisors LLC | 50, 26 | 8,725 | not reported |
| Main Street Research LLC | 50, 26 | 10,884 | not reported |
| Kestra Advisory Services LLC | 50, 26 | 5,003 | not reported |
| Atwood & Palmer Inc. | 50, 26 | 5,741 | not reported |
| Rubinbrown Advisors LLC | 50, 26 | 6,042 | not reported |
| Wcg Wealth Advisors LLC | 50, 26 | 6,152 | not reported |
| Gladstone Institutional Adviso | 50, 26 | 10,492 | not reported |
| Leading Edge | 50, 26 | 23,904 | not reported |
| Aluman Inc. | 50, 26 | 5,378 | not reported |
| Fort Pitt Capital Group LLC | 50, 26 | 8,390 | not reported |
| Fulton Breakefield Broenniman | 50, 26 | 6,812 | not reported |
| Mercer Global Advisors Inc. | 50, 26 | 14,330 | not reported |
| Clark Wealth Partners LLC | 50, 26 | 5,936 | not reported |
| Bay Hill Capital Management US | 50, 26 | 26,914 | not reported |
| Advanced Financial Solutions | 50, 26 | 5,173 | not reported |
| Robertson Stephens Wealth Mana | 50, 26 | 234,774 | not reported |
| Tandem Financial LLC | 50, 26 | 6,019 | not reported |
| The Dala Group LLC | 50, 26 | 5,268 | not reported |
| Cedrus LLC | 50, 26 | 8,830 | not reported |
| Sincerus Advisory LLC | 50, 26 | 5,540 | not reported |
| Farther Finance Advisors LLC | 50, 26 | 10,157 | not reported |
| Statheros Financial | 50, 26 | 12,093 | not reported |
| Eaton-Cambridge Inc. | 50, 26 | 6,497 | not reported |
| Tci Wealth Advisors Inc. | 50, 26 | 7,743 | not reported |
| Mgo One Seven LLC | 50, 26 | 9,635 | not reported |
| Focus Partners Wealth LLC | 50, 26 | 5,967 | not reported |
| Ferguson Wellman Capital Manag | 50, 26 | 22,699 | not reported |
| Point Nemo Capital LLC | 50, 26 | 108,314 | not reported |
| Jpl Wealth Management LLC | 50, 26 | 68,563 | not reported |
| Pacific Global Investment Mana | 50, 26 | 5,077 | not reported |
| Avidian Wealth Enterprises LLC | 50, 26 | 21,080 | not reported |
| Steven Rzucidlo Dba | 50, 26 | 11,140 | not reported |
| On Course Financial | 50, 26 | 56,637 | not reported |
| Greater Than Financial | 50, 26 | 6,900 | not reported |
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 | 20260429165613NAL0006006931001 |
| 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
This is an amended filing. It replaces the sponsor's earlier submission for the same year.
Cite this page
401(k) Monitor, "United Airlines Pilot Retirement Account Plan: Form 5500 facts", from DOL EFAST2 filing 20260429165613NAL0006006931001, plan year ended December 31, 2024. 401(k) Monitor Score 69 out of 100 (exact value 69.44).