North Dakota 401(k) plans

Name: North Dakota 401(k) plans: assets, participants and plan-paid fees
Creator: 401(k) Monitor
License: https://401kmonitor.com/licence/

214

Large 401(k) plans headquartered in North Dakota are in 401(k) Monitor’s published set, holding $16.5B in total, led on headcount by Sanford Retirement Savings Plan with 33,144 active participants. Computed from DOL Form 5500 filings, plan years 2024–2025.

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 North Dakota, not a census of it.

10 of the biggest 401(k) plans headquartered in North Dakota

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 2024–2025, DOL EFAST2 bulk data. Assets in USD. Every plan links to its full fact page.
#	Plan	City	Active participants	Assets
1	Sanford Retirement Savings Plan	Fargo	33,144	$3.6B
2	Scheels All Sports, Inc. 401(k) Plan	Fargo	8,298	$33.5M
3	Knife River Corporation 401(k) Retirement Plan	Bismarck	5,546	$856.4M
4	Offutt Companies 401(k) Savings Plan	Fargo	5,284	$592.0M
5	Dakotas Areawide Ibew-Neca Savings And Retirement Plan	Fargo	4,207	$583.2M
6	Bcbsnd And Noridian Healthcare Solutions 401(k) Plan	Fargo	3,856	$500.3M
7	Doosan 401(k) Plan	West Fargo	3,750	$551.7M
8	Border States Electric Supply 401(k) Plan	Fargo	3,385	$254.0M
9	Eide Bailly LLP 401(k) Profit Sharing Plan	Fargo	3,154	$615.3M
10	Altru Health System Retirement Savings Plan 401(k)	Grand Forks	2,877	$495.3M

Every North Dakota plan, by size

The table above is the top of the list. These 4 pages hold all 214 plans on file from North Dakota, split by how many people are in them, each ranked by active participants.

401(k) fees in North Dakota vs the national median

Plan-paid administrative cost per participant, plan years 2024–2025 Form 5500 filings. Medians over our published set, not the full universe.
North Dakota medianAcross the 209 North Dakota plans in our set with usable fee data.	$166.89 per participant
National medianAcross 54,783 published plans with usable fee data.	$122.17 per participant
Difference	$44.72 above 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?

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, “North Dakota 401(k) plans: largest plans and fees”, computed from DOL EFAST2 Form 5500 bulk data, plan years 2024–2025, published set of 57,824 plans, data as of July 28, 2026.