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Retirement plan

UNION PACIFIC CORPORATION THRIFT PLAN

UNION PACIFIC CORPORATIONEIN 13-2626465Plan #004PY 2022
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1400 DOUGLAS STREET STOP 1620 - OMAHA, NE 68179402-544-5000LinkedIn10001+ employeestransportation/trucking/railroad
Other plans on this EIN
1 filing
#001Retirement-$4.32B assets
Prospect flagsCorrective distributions

Filing contacts

From the Form 5500, federal record
Plan sponsor signer
(name not on filing)
(402) 544-5000
Plan administrator signer
ELIZABETH F WHITED
Signed 07/31/2023
Plan administrator entity
ELIZABETH F. WHITED
EIN 831615469
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Summary metrics

Total assets (EOY)
$2028.7M
-8.2% from 2016
Total participants
8,989
-0.3% from 2016
Average account balance
$227,919
-9.2% from 2016
Annual return
-16.05%
-20.10 pp from 2016

Benchmarks

See 45 peers
Peer group
Industry48 - Transportation and Warehousing
Plan typeDefined contribution
Participants5,000-9,999
Cohort45 peers
Snapshot2022
Participant deferral / active EE
$8,944
median $3,803
Employer contribution / active EE
$4,088
median $1,319
Participation rate
98.4%
median 85.7%
Avg account balance
$227,919
median $39,061
Admin fee / account holder
$105
median $74
Annual return
-16.05%
median -15.13%
Overall peer rank
66th percentileavg across 6 metrics

Analytics

2015 - 2024
Total assets (EOY)
Plan-year ending balance
$2.30B
Average account balance
Total assets / participants with a balance (line 6g)
$275K
Participants with account balance
Stacked by status: active / separated vested / retired or beneficiary. Total = line 6g.
8,373
Eligible Participants and Participation
Bars: eligible actives (line 6a). Line: derived rate = active employees with a balance / 6a.
98.3%
Contributions (total)
Employer and participant dollars contributed each year
$78.48M
Contributions per participant
Average employer and participant contribution per enrolled participant
$15K
Asset flow
BOY + contributions + return - distributions = EOY
Year
Annual return
Diverging bars; negative years highlighted
+9.74%
Admin fee / account holder
Total admin expenses / participants with a balance (line 6g)
$119
Asset composition
Cash / stocks / bonds / mutual funds / real estate / loans over time
  • Mutual / pooled
  • Stocks
  • Bonds
  • Cash
  • Real estate
  • Loans

Service providers

Top 2 by compensation
ProviderService typeCompensation
VANGUARD ADVISERS INC2 years
Service code 26 · EIN 23-2811930
Advisory (Participants)
$656,167
THE VANGUARD GROUP, INC8+ years
Service code 15 · EIN 23-1945930
Recordkeeping
$281,836

Top hat statement on fileNQDC

Filed December 5, 2000 (most recent of 8 filings on file)

This is a legacy paper filing. Plan administrator and contact details are recorded in the original filing, which has not been digitised into structured fields.

Open the filing PDF

Plan features & details

Pension benefit codes2E2F2G2J2K2S2T3H
Plan features
  • 2E
    Profit-sharing
    Profit-sharing plan.
  • 2F
    ERISA section 404(c) plan
    This plan or any part of it is intended to meet the conditions of 29 CFR 2550.404c-1 (shifting investment responsibility to participants).
  • 2G
    Total participant-directed account plan
    Participants have the opportunity to direct the investment of all of the assets allocated to their individual accounts regardless of whether 29 CFR 2550.404c-1 is intended to be met.
  • 2J
    Code section 401(k) feature
    Cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan under which employees may elect to defer part of their compensation or receive these amounts in cash.
  • 2K
    Code section 401(m) arrangement
    Employee contributions are allocated to separate accounts under the plan or employer contributions are based in whole or in part on employee deferrals or contributions to the plan. Not applicable to 401(k) plans with only QNECs and/or QMACs or to 403(b)(1) 403(b)(7) or 408 arrangements.
  • 2S
    Automatic enrollment
    Plan provides for automatic enrollment in plan that has elective contributions deducted from payroll.
  • 2T
    Default investment account
    Total or partial participant-directed account plan where plan uses a default investment account for participants who fail to direct assets in their account.
  • 3H
    Controlled group member
    Plan sponsor(s) is (are) a member(s) of a controlled group (Code sections 414(b) (c) or (m)).

Opportunity flags

1 tripped
  • ComplianceCorrective distributions

    Plan reported corrective distributions (failed ADP/ACP testing).

Expense breakdown

Schedule H Part II
Admin total
$938K
$171 / participant
  • Investment mgmt$656K70.0%
  • Other / not subdivided$282K30.0%
% of EOY assets
0.046%
all-in expense ratio
Categories reported
1 / 9
subdivided buckets used

Audit opinion

Schedule H Part III
Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

Auditor firm
DELOITTE & TOUCHE LLP
Auditor EIN
133891517
Audit fees
(not subdivided)
Opinion code
Unqualified