401(k) Monitor

Arizona 401(k) plans

906

Large 401(k) plans headquartered in Arizona are in 401(k) Monitor’s published set, holding $71.9B in total, led on headcount by Circle K Retirement Plan with 73,210 active participants. Computed from DOL Form 5500 filings, plan years 2018–2025.

State means the sponsor’s address on the filing, not where employees work. Our published set covers 57,824 of the 57,824 large plans in the form-year-2024 DOL EFAST2 bulk data, so this is the largest-plan end of Arizona, not a census of it.

37 of the biggest 401(k) plans headquartered in Arizona

The plans this site submits to search engines come first, then the rest; each group is ranked by active participants, the people still building up a balance. plan years 2018–2025, DOL EFAST2 bulk data. Assets in USD. Every plan links to its full fact page.
#PlanCityActive participantsAssets
1Circle K Retirement PlanTempe73,210$505.9M
2Banner Health Employees 401(k) PlanPhoenix56,849$4.9B
3PetSmart, Inc. SaveSmart 401(k) PlanPhoenix46,794$667.2M
4Sprouts Farmers Markets Holdings, LLC Employee 401(k) Savings PlanPhoenix35,946$264.6M
5U-Haul Holding Company 401(k) Savings PlanPhoenix33,949$551.5M
6Republic Services, Inc. 401(k) PlanPhoenix33,316$2.7B
7Knight-Swift Transportation Holdings, Inc. Retirement PlanPhoenix31,022$1.0B
8Troon Golf, L.L.C. 401(k) PlanScottsdale26,625$333.7M
9Carvana, LLC 401(k) PlanTempe17,481$267.1M
10Discount Tire/America's Tire Retirement PlanScottsdale15,665$1.4B
11Freeport-Mcmoran Inc. Employee Capital Accumulation ProgramPhoenix14,200$2.7B
12P.F. Chang's China Bistro, Inc. 401(k) PlanScottsdale13,424$50.1M
13Reliance, Inc. Master 401(k) PlanScottsdale12,293$1.7B
14Stantec 401(k) PlanChandler12,098$2.3B
15Team Select Holding, LLC 401(k) Retirement PlanPhoenix11,293$18.9M
16Lifestance Health 401(k) PlanScottsdale10,486$295.4M
17Arizona Pipe Trades Defined Contribution Pension PlanPhoenix9,484$461.2M
18Bechtel Trust & Thrift PlanGlendale8,546$6.1B
19Ciox Health 401(k) PlanPhoenix8,445$119.5M
20Cadence Education LLC 401(k) Savings PlanScottsdale8,416$20.9M
21Asml US Employees' Savings And Retirement PlanChandler8,321$1.8B
22Grand Canyon University Employees 401(k) PlanPhoenix8,221$158.3M
23Southwest Foodservice Excellence 401(k) PlanScottsdale8,163$12.5M
24Phoenix Children's Hospital Section 401(k) Investment PlanPhoenix8,058$691.1M
25Microchip Technology Incorporated Savings PlanChandler6,662$1.6B
26Pinnacle West Capital Corporation Savings PlanPhoenix6,358$1.6B
27Insight Enterprises, Inc. 401(k) PlanChandler6,347$941.5M
28Salt River Project Employees' 401(k) PlanPhoenix6,108$1.3B
29The University Of Phoenix, Inc. Savings And Investment PlanPhoenix6,104$586.0M
30Shamrock Foods Company 401(k) Plan And TrustPhoenix5,985$454.8M
31Cavco Industries, Inc. 401(k) PlanPhoenix5,701$181.8M
32Tmc Healthcare 401(k) PlanTucson5,659$379.4M
33Drivetime 401(k) PlanTempe5,541$161.5M
34Desert De Oro Foods, Inc. 401(k) PlanKingman5,212$21.6M
35Goodwill Industries Of Central Arizona Retirement PlanPhoenix4,968$16.8M
36Mister Car Wash 401(k) Retirement PlanTucson4,777$29.3M
37Grand Canyon Education Employees 401(k) PlanPhoenix4,745$191.7M

Every Arizona plan, by size

The table above is the top of the list. These 6 pages hold all 906 plans on file from Arizona, split by how many people are in them, each ranked by active participants.

401(k) fees in Arizona vs the national median

Plan-paid administrative cost per participant, plan years 2018–2025 Form 5500 filings. Medians over our published set, not the full universe.
Arizona medianAcross the 871 Arizona plans in our set with usable fee data.$106.96 per participant
National medianAcross 54,783 published plans with usable fee data.$122.17 per participant
Difference$15.21 below the national median

Plan-paid means fees the plan itself reports on Schedule H; many employers pay providers directly, which a filing reports as $0. How to judge your own plan: are your 401(k) fees high?

Cite: 401(k) Monitor, “Arizona 401(k) plans: largest plans and fees”, computed from DOL EFAST2 Form 5500 bulk data, plan years 2018–2025, published set of 57,824 plans, data as of July 28, 2026.