West Virginia 401(k) plans
155
Large 401(k) plans headquartered in West Virginia are in 401(k) Monitor’s published set, holding $6.1B in total, led on headcount by Vandalia Health System 401(k) Retirement Savings P with 11,194 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. The figures above read all 155 of the form-year-2024 DOL EFAST2 filings from West Virginia, so they are every plan of that size filed from the state; 3 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.
3 of the biggest 401(k) plans headquartered in West Virginia
| # | Plan | City | Active participants | Assets |
|---|---|---|---|---|
| 1 | Vandalia Health System 401(k) Retirement Savings P | Charleston | 11,194 | $852.8M |
| 2 | American Public Education Retirement Plan | Charles Town | 5,899 | $303.2M |
| 3 | Community Health Systems, Inc. 401(k) Plan | Beckley | 375 | $43.7M |
Every West Virginia plan page, by size
The table above is the top of the list. These 2 pages hold the 3 published plan pages from West Virginia, out of 155 filings of that kind in the data, split by how many people are in them, each ranked by active participants.
- 100 to 499 participants · 1 plans
- 5,000 or more participants · 2 plans
401(k) fees in West Virginia vs the national median
| West Virginia medianAcross the 146 West Virginia plans in our set with usable fee data. | $120.48 per participant |
|---|---|
| National medianAcross 54,782 published plans with usable fee data. | $122.17 per participant |
| Difference | $1.69 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?
West Virginia employers with a match dossier
These West Virginia-headquartered plans also file an SEC Form 11-K, so the employer’s match formula, vesting and eligibility are extracted on a company page.
- United Bankshares, Inc. 401(k) match
United Bankshares, Inc. Savings And Stock Investment Plan
- WESBANCO INC 401(k) match
Wesbanco, Inc. 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, “West Virginia 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.
