Kentucky 401(k) plans
635
Large 401(k) plans headquartered in Kentucky are in 401(k) Monitor’s published set, holding $49.4B in total, led on headcount by CommonSpirit Health 401(k) Retirement Savings Plan with 91,977 active participants. Computed from DOL Form 5500 filings, plan years 2021–2025.
State means the sponsor’s address on the filing, not where employees work. The figures above read all 635 of the form-year-2024 DOL EFAST2 filings from Kentucky, so they are every plan of that size filed from the state; 30 of them have a page of their own here. A plan with fewer than 100 participants files a shorter form and is not in this data at all.
17 of the biggest 401(k) plans headquartered in Kentucky
| # | Plan | City | Active participants | Assets |
|---|---|---|---|---|
| 1 | CommonSpirit Health 401(k) Retirement Savings Plan | Erlanger | 91,977 | $8.8B |
| 2 | Humana Retirement Savings Plan | Louisville | 42,968 | $7.7B |
| 3 | ScionHealth 401(k) Plan | Louisville | 22,685 | $1.3B |
| 4 | Yum Brands 401(k) Plan | Louisville | 22,667 | $989.8M |
| 5 | Baptist Health 401(k) Plan | Louisville | 18,334 | $852.1M |
| 6 | Trilogy Management Services, LLC Retirement Savings Plan | Louisville | 13,844 | $193.7M |
| 7 | Valvoline 401(k) Plan | Lexington | 12,249 | $318.8M |
| 8 | Uofl Health 401(k) Plan | Louisville | 11,211 | $565.8M |
| 9 | Churchill Downs Incorporated 401(k) Retirement Plan | Louisville | 9,488 | $209.8M |
| 10 | Stakeholder Payroll Services, LLC. 401(k) Plan | Louisville | 8,663 | $120.3M |
| 11 | Atria Senior Living, Inc. 401(k) Plan | Louisville | 8,324 | $165.7M |
| 12 | Confluent Health, LLC 401(k) Profit Sharing Plan | Louisville | 7,686 | $204.1M |
| 13 | Turnpoint 401(k) Plan | Louisville | 6,351 | $131.5M |
| 14 | Schulte Hospitality Group, Inc. 401(k) Plan | Louisville | 5,821 | $45.9M |
| 15 | My Savings Plan | Louisville | 5,568 | $840.2M |
| 16 | Prysmian Group 401(k) Plan | Highland Heights | 5,471 | $703.3M |
| 17 | Tempur Sealy 401(k) Retirement Plan | Lexington | 5,070 | $328.1M |
Every Kentucky plan page, by size
The table above is the top of the list. These 4 pages hold the 30 published plan pages from Kentucky, out of 635 filings of that kind in the data, split by how many people are in them, each ranked by active participants.
- 100 to 499 participants · 8 plans
- 500 to 999 participants · 1 plans
- 1,000 to 4,999 participants · 2 plans
- 5,000 or more participants · 19 plans
401(k) fees in Kentucky vs the national median
| Kentucky medianAcross the 601 Kentucky plans in our set with usable fee data. | $106.54 per participant |
|---|---|
| National medianAcross 54,782 published plans with usable fee data. | $122.17 per participant |
| Difference | $15.63 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?
Kentucky employers with a match dossier
These Kentucky-headquartered plans also file an SEC Form 11-K, so the employer’s match formula, vesting and eligibility are extracted on a company page.
- Brown-Forman Corporation 401(k) match
Brown-Forman Corporation Savings Plan
- COMMUNITY TRUST BANCORP INC /KY/ 401(k) match
Community Trust Bancorp Inc. Savings Plan
- Humana Inc. 401(k) match
Humana Retirement Savings Plan
- YUM! Brands, Inc. 401(k) match
Yum Brands 401(k) Plan
Useful links
- All states
Plan counts, fees and largest plans, state by state.
- The largest 401(k) plans in the US
The national ranking these state tables are drawn from.
- Average 401(k) fees by plan size
Fees depend on plan size more than on state.
Cite: 401(k) Monitor, “Kentucky 401(k) plans: largest plans and fees”, computed from DOL EFAST2 Form 5500 bulk data, plan years 2021–2025, published set of 57,824 plans, data as of July 28, 2026.
