Retirement plan
COSTCO 401K RETIREMENT PLAN
COSTCO WHOLESALE CORPORATIONEIN 91-1223280Plan #002PY 2024
Other plans on this EIN
1 filingProspect flagsNo flags tripped
Filing contacts
From the Form 5500, federal recordPlan administrator signer
JOE MOORE
Signed 07/07/2025
Summary metrics
Total assets (EOY)
$41017.4M
-7.1% from 2016
Total participants
263,899
-5.3% from 2016
Average account balance
$160,816
-1.9% from 2016
Annual return
26.52%
+3.99 pp from 2016
Benchmarks
Peer group
Industry45 - Retail Trade
Plan typeDefined contribution
Participants>=10,000
Cohort41 peers
Snapshot2024
90
Participant deferral / active EE
$5,149
median $1,428
93
Employer contribution / active EE
$3,196
median $686
95
Participation rate
95.8%
median 36.8%
95
Avg account balance
$160,816
median $50,932
88
Admin fee / account holder
$23
median $55
98
Annual return
26.52%
median 14.44%
Overall peer rank
93of 100
93rd percentileavg across 6 metrics
Analytics
2015 - 2024
Total assets (EOY)
Plan-year ending balance
$41.02B
Average account balance
Total assets / participants with a balance (line 6g)
$161K
Participants with account balance
Stacked by status: active / separated vested / retired or beneficiary. Total = line 6g.
255,058
Eligible Participants and Participation
Bars: eligible actives (line 6a). Line: derived rate = active employees with a balance / 6a.
95.8%
Contributions (total)
Employer and participant dollars contributed each year
$1.78B
Contributions per participant
Average employer and participant contribution per enrolled participant
$8K
Asset flow
BOY + contributions + return - distributions = EOY
Year
Annual return
Diverging bars; negative years highlighted
+26.52%
Admin fee / account holder
Total admin expenses / participants with a balance (line 6g)
$23
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
| Provider | Service type | Compensation |
|---|---|---|
T ROWE PRICE RPS INC10+ years Service code 15 1307 POINT STREET · BALTIMORE, MD 21231 | Recordkeeping | $5,737,790 |
Service code 16 2101 FOURTH AVENUE · SEATTLE, WA 98121 | Consulting | $123,900 |
Top hat statement on fileNQDC
Filed September 30, 1992 (most recent of 2 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.
Plan features & details
Pension benefit codes2E2F2G2J2K2O2S2T3H
Plan features
- 2EProfit-sharingProfit-sharing plan.
- 2FERISA section 404(c) planThis plan or any part of it is intended to meet the conditions of 29 CFR 2550.404c-1 (shifting investment responsibility to participants).
- 2GTotal participant-directed account planParticipants 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.
- 2JCode section 401(k) featureCash 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.
- 2KCode section 401(m) arrangementEmployee 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.
- 2OESOP other than a leveraged ESOPEmployee stock ownership plan that is not leveraged.
- 2SAutomatic enrollmentPlan provides for automatic enrollment in plan that has elective contributions deducted from payroll.
- 2TDefault investment accountTotal or partial participant-directed account plan where plan uses a default investment account for participants who fail to direct assets in their account.
- 3HControlled group memberPlan sponsor(s) is (are) a member(s) of a controlled group (Code sections 414(b) (c) or (m)).
Opportunity flags
0 tripped
No flags tripped for this filing year. This plan looks clean.
Expense breakdown
Schedule H Part II
Admin total
$6.0M
$28 / participant
- Recordkeeping$6M97.9%
- Other / not subdivided$125K2.1%
% of EOY assets
0.015%
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
- CROWE LLP
- Auditor EIN
- 350921680
- Audit fees
- (not subdivided)
- Opinion code
- Unqualified