Plan Snapshot
- Plan Sponsor: Union Pacific Railroad Company
- Sponsor EIN: 946001323
- Sponsor Address: 1040 N 2200 W, STE 200, SALT LAKE CITY, UT, 841162929
- Plan Type: 401(k)
- Plan Number: 501
- Total Participants: 12,273
- Total Assets: $148.5M
Key Plan Design Features
- Auto-Enrollment: No
- Auto-Escalation: No
- Allows Roth Contributions: No
- Participant Loans: No
- Participant-Directed Investments: No
- ERISA Section 404(c) Fiduciary Safe Harbor: No
Plan Financials by Year
| Year | Participants | Total Assets | Employer Contrib. | Employee Contrib. |
|---|---|---|---|---|
| 2025 | 12,273 | $148.5M | $0 | $0 |
| 2024 | 12,447 | $146.5M | $92.5M | $40.0M |
| 2023 | 13,395 | $145.1M | $96.7M | $47.2M |
| 2022 | 12,851 | $131.3M | $90.7M | $45.7M |
Service Providers (Schedule C)
Vendors paid $5,000 or more for services to the plan, ranked by total compensation (direct + indirect fees).
| Provider Name | Role | Direct Compensation | Indirect Compensation | Total Fees |
|---|---|---|---|---|
| UNITED HEALTHCARE INSURANCE COMPANY | Other Service Provider | $9,967,170 | — | $9,967,170 |
| ANTHEM BLUE CROSS BLUE SHIELD | Other Service Provider | $3,253,207 | — | $3,253,207 |
| OPTUM RX | Other Service Provider | $2,356,276 | — | $2,356,276 |
| CARDINAL HEALTH | Other Service Provider | $625,937 | — | $625,937 |
| EGAN, RICHARD B | Other Service Provider | $367,776 | — | $367,776 |
| BARNETT, GREGORY L | Other Service Provider | $333,529 | — | $333,529 |
| MARSH USA, INC. | Other Service Provider | $280,746 | — | $280,746 |
| CHANGE HEALTHCARE SOLUTIONS, LLC | Other Service Provider | $267,566 | — | $267,566 |
| MIDGLEY-HUBER, INC. | Other Service Provider | $209,541 | — | $209,541 |
| NEWMAN, CURTIS C | Other Service Provider | $201,490 | — | $201,490 |
| PORTER, BRADLEY J | Other Service Provider | $200,312 | — | $200,312 |
| TAYLOR, JOHN R | Other Service Provider | $182,227 | — | $182,227 |
| HATCH, MICHAEL T | Other Service Provider | $174,890 | — | $174,890 |
| TEUSCHER, BRADY G | Other Service Provider | $168,504 | — | $168,504 |
| ADAMS, SPENCER L | Other Service Provider | $168,476 | — | $168,476 |
| KREIS, KARA | Other Service Provider | $159,265 | — | $159,265 |
| ANTHONY, JENNIFER | Other Service Provider | $155,076 | — | $155,076 |
| WIGHT, DANIEL L | Other Service Provider | $154,616 | — | $154,616 |
| STEVENS, JOHN P | Other Service Provider | $146,369 | — | $146,369 |
| TELLIGEN, INC. | Other Service Provider | $136,616 | — | $136,616 |
| DONOHUE, RICHARD M | Other Service Provider | $133,870 | — | $133,870 |
| RAZORMETRICS, INC. | Other Service Provider | $133,775 | — | $133,775 |
| BARKER, KIRK T | Other Service Provider | $132,971 | — | $132,971 |
| PATTEN ENTERPRISES, INC. | Other Service Provider | $131,380 | — | $131,380 |
| VANTIV | Other Service Provider | $129,224 | — | $129,224 |
| WHITLEY, JACOB | Other Service Provider | $127,662 | — | $127,662 |
| BIRKETT, JOHANNA | Other Service Provider | $127,459 | — | $127,459 |
| PARKER, VON | Other Service Provider | $124,647 | — | $124,647 |
| SMART, JULIE | Other Service Provider | $122,979 | — | $122,979 |
| COMPUTECH CONSULTING, INC. | Other Service Provider | $118,056 | — | $118,056 |
| WHITESIDES, TYSON W | Other Service Provider | $118,041 | — | $118,041 |
| PUFF, ANDREA | Other Service Provider | $117,995 | — | $117,995 |
| HENDERSON, MICAH | Other Service Provider | $113,151 | — | $113,151 |
| DUMAC | Other Service Provider | $109,922 | — | $109,922 |
| HAYES, TONYA L | Other Service Provider | $105,163 | — | $105,163 |
| ARMSTRONG, DARIN C | Other Service Provider | $102,014 | — | $102,014 |
| WOOD, JEFFREY D | Other Service Provider | $100,833 | — | $100,833 |
| AHIO, ANNA | Other Service Provider | $96,261 | — | $96,261 |
| GRIFFIN, MARIA LYNN | Other Service Provider | $94,847 | — | $94,847 |
| MCGUIRE, KELLY | Other Service Provider | $94,085 | — | $94,085 |
| REED, MINDI | Other Service Provider | $93,885 | — | $93,885 |
| HANKS, WADE K | Other Service Provider | $92,648 | — | $92,648 |
| GUIDEPOINT SECURITY HOLDINGS, LLC | Other Service Provider | $91,021 | — | $91,021 |
| ERICKSON, EMILY RUTH | Other Service Provider | $90,066 | — | $90,066 |
| MCCLELLAN, ROBERT | Other Service Provider | $86,450 | — | $86,450 |
| HUBBART, JENNY | Other Service Provider | $82,574 | — | $82,574 |
| LAWRENCE, LORI | Other Service Provider | $81,946 | — | $81,946 |
| FACER, SARAH | Other Service Provider | $81,072 | — | $81,072 |
| GARNER, JANE C | Other Service Provider | $80,805 | — | $80,805 |
| TODD, BOBBIE JO | Other Service Provider | $80,694 | — | $80,694 |
| SHARPEN TECHNOLOGIES | Other Service Provider | $80,628 | — | $80,628 |
| DUNTON, TONEE | Other Service Provider | $80,474 | — | $80,474 |
| GARCIA, JONI C | Other Service Provider | $80,474 | — | $80,474 |
| BOGUCKI, WENDY | Other Service Provider | $80,326 | — | $80,326 |
| MCLAUGHLIN, MICHELLE L | Other Service Provider | $80,253 | — | $80,253 |
| ASHLEY, MICHELLE | Other Service Provider | $77,382 | — | $77,382 |
| CHASE, SHANDA | Other Service Provider | $77,382 | — | $77,382 |
| DALE, KARA | Other Service Provider | $77,382 | — | $77,382 |
| ERICKSON, CHRISTY | Other Service Provider | $77,382 | — | $77,382 |
| KOFORD, KELSEY J | Other Service Provider | $77,382 | — | $77,382 |
| MCKNIGHT, KIM | Other Service Provider | $77,382 | — | $77,382 |
| LEWIS, PAMELA | Other Service Provider | $77,345 | — | $77,345 |
| SAVIN, KATE | Other Service Provider | $76,697 | — | $76,697 |
| HARRIS, REBEKAH | Other Service Provider | $75,302 | — | $75,302 |
| MOYANO, ANNE | Other Service Provider | $74,362 | — | $74,362 |
| ROCKY MOUNTAIN POWER | Other Service Provider | $74,301 | — | $74,301 |
| OGDEN, LORIE | Other Service Provider | $73,553 | — | $73,553 |
| VERITIV OPERATING COMPANY | Other Service Provider | $73,068 | — | $73,068 |
| DALE, ETHAN | Other Service Provider | $69,578 | — | $69,578 |
| FARNSWORTH, CARRIELYN J | Other Service Provider | $66,671 | — | $66,671 |
| BUDDENSICK, JOHN P | Other Service Provider | $66,420 | — | $66,420 |
| PPI365 | Other Service Provider | $65,088 | — | $65,088 |
| NIELSON, JOY ELLEN COLEEN | Other Service Provider | $64,481 | — | $64,481 |
| NEILSON, CHRISTY LYNN | Other Service Provider | $63,944 | — | $63,944 |
| MEKETA INVESTMENT GROUP, INC. | Other Service Provider | $59,583 | — | $59,583 |
| SCHNUR, GAYLEEN | Other Service Provider | $58,795 | — | $58,795 |
| TRANSPORTATION COMMUNICATIONS UNION | Other Service Provider | $56,934 | — | $56,934 |
| TELLEZ-RUIZ, ERIKA | Other Service Provider | $56,662 | — | $56,662 |
| LARSON & COMPANY, PC | Auditor | $55,350 | — | $55,350 |
| R&K MEDICAL SOLUTIONS, LLC | Other Service Provider | $55,275 | — | $55,275 |
| BECRAFT, KILEE GENE | Other Service Provider | $55,203 | — | $55,203 |
| STRONG, ASHLYN ROSE | Other Service Provider | $50,281 | — | $50,281 |
| HEALTHLINX, LLC | Other Service Provider | $50,250 | — | $50,250 |
| SECRIST, SYDNI REBA | Other Service Provider | $49,034 | — | $49,034 |
| OKTA, INC. | Other Service Provider | $46,063 | — | $46,063 |
| DUST ELIMINATORS, LLC | Other Service Provider | $44,550 | — | $44,550 |
| PENTERA SECURITY, INC. | Other Service Provider | $43,516 | — | $43,516 |
| ERICKSON-KELLEY, MELISSA A | Other Service Provider | $43,383 | — | $43,383 |
| CANCERNAVIGATOR | Other Service Provider | $42,687 | — | $42,687 |
| OPTUM FINANCIAL | Other Service Provider | $42,259 | — | $42,259 |
| JIMENEZ, JORDAN PAUL | Other Service Provider | $40,329 | — | $40,329 |
| VLCM | Other Service Provider | $39,373 | — | $39,373 |
| PONTON, REBECCA CHRISTINE | Other Service Provider | $39,051 | — | $39,051 |
| INCLUDED HEALTH, INC. | Other Service Provider | $33,750 | — | $33,750 |
| SALT LAKE CITY PUBLIC UTILITIES | Other Service Provider | $32,637 | — | $32,637 |
| COGNISIGHT, LLC | Other Service Provider | $30,707 | — | $30,707 |
| PRECISELY SOFTWARE INCORPORATED | Other Service Provider | $27,904 | — | $27,904 |
| AETNA LIFE & CASUALTY | Other Service Provider | $27,341 | — | $27,341 |
| JOURNEYTEAM CONSULTING, LLC | Other Service Provider | $26,390 | — | $26,390 |
| FORTRA, LLC | Other Service Provider | $25,892 | — | $25,892 |
| LEXISNEXIS RISK SOLUTIONS | Other Service Provider | $25,208 | — | $25,208 |
| WEATHERSEALED, INC. | Other Service Provider | $25,110 | — | $25,110 |
| ENBRIDGE GAS | Other Service Provider | $24,551 | — | $24,551 |
| SOLTIS INVESTMENT ADVISORS | Other Service Provider | $22,454 | — | $22,454 |
| WELLS FARGO | Other Service Provider | $22,358 | — | $22,358 |
| CASO DOCUMENT MANGEMENT | Other Service Provider | $22,080 | — | $22,080 |
| DENTONS DURHAM JONES & PINEGAR, PC | Other Service Provider | $21,815 | — | $21,815 |
| ADP | Other Service Provider | $21,443 | — | $21,443 |
| PHELPS PREMIER PROPERTIES II, LLC | Other Service Provider | $20,360 | — | $20,360 |
| RINGCENTRAL, INC. | Other Service Provider | $18,963 | — | $18,963 |
| ATKIN, JASON | Other Service Provider | $18,725 | — | $18,725 |
| ZIONS BANCORPORATION | Other Service Provider | $17,886 | — | $17,886 |
| ALCHEMY TECHNOLOGY GROUP, LLC | Other Service Provider | $16,530 | — | $16,530 |
| US BANK | Other Service Provider | $16,040 | — | $16,040 |
| NEWPORT GROUP, INC. | Other Service Provider | $15,519 | — | $15,519 |
| DARKTRACE LIMITED | Other Service Provider | $15,003 | — | $15,003 |
| PARATA SYSTEMS, LLC | Other Service Provider | $14,882 | — | $14,882 |
| MAXWELL ASPHALT, INC. | Other Service Provider | $14,185 | — | $14,185 |
| LES OLSON COMPANY | Other Service Provider | $14,177 | — | $14,177 |
| EN-VISION AMERICA, INC. | Other Service Provider | $14,048 | — | $14,048 |
| RELAYHEALTH | Other Service Provider | $13,400 | — | $13,400 |
| WESTERN PREMIER LAWN & TREE | Other Service Provider | $12,950 | — | $12,950 |
| SIRIUS COMPUTER SOLUTIONS, INC. | Other Service Provider | $12,648 | — | $12,648 |
| REAL APPEAL, INC. | Other Service Provider | $12,378 | — | $12,378 |
| ROCKET SOFTWARE, INC. | Other Service Provider | $12,229 | — | $12,229 |
| CENTERSQUARE MSA HOLDINGS, LLC | Other Service Provider | $11,855 | — | $11,855 |
| ALTIUM HEALTHCARE, INC. | Other Service Provider | $11,750 | — | $11,750 |
| ZIPARI, INC. | Other Service Provider | $11,726 | — | $11,726 |
| SIMPLER POSTAGE, INC. | Other Service Provider | $11,338 | — | $11,338 |
| FISHER & PAYKEL HEALTHCARE | Other Service Provider | $10,834 | — | $10,834 |
| EAKES OFFICE SOLUTIONS | Other Service Provider | $10,501 | — | $10,501 |
| CENTRACOM | Other Service Provider | $10,004 | — | $10,004 |
| SECUREDOCS, INC. | Other Service Provider | $9,743 | — | $9,743 |
| LEWIS & ELLIS, INC. | Other Service Provider | $9,678 | — | $9,678 |
| RESPIRONICS | Other Service Provider | $9,466 | — | $9,466 |
| BRADY INDUSTRIES | Other Service Provider | $8,044 | — | $8,044 |
| OPENTEXT, INC. | Other Service Provider | $7,570 | — | $7,570 |
| LEVEL 3 COMMUNICATIONS, LLC | Other Service Provider | $6,880 | — | $6,880 |
| PITNEY BOWES | Other Service Provider | $6,804 | — | $6,804 |
| AARC-360 | Other Service Provider | $6,750 | — | $6,750 |
| METLIFE | Other Service Provider | $6,665 | — | $6,665 |
| SCHINDLER ELEVATOR CORPORATION | Other Service Provider | $6,665 | — | $6,665 |
| ADVANCE INNOVATIVE SOLUTIONS, INC. | Other Service Provider | $6,193 | — | $6,193 |
| LAKE MISSOULA GROUP, LLC | Other Service Provider | $6,100 | — | $6,100 |
| CENTURYLINK | Other Service Provider | $6,072 | — | $6,072 |
| AXEPOINT LAW | Other Service Provider | $6,030 | — | $6,030 |
| PERPETUAL STORAGE | Other Service Provider | $5,797 | — | $5,797 |
| DIGICERT, INC. | Other Service Provider | $5,776 | — | $5,776 |
| BLUEFIN OFFICE GROUP | Other Service Provider | $5,192 | — | $5,192 |
| RETAIL MANAGEMENT SOLUTIONS | Other Service Provider | $5,096 | — | $5,096 |
Plan Fees & Expenses
Annual service provider fees and administrative expenses sourced from DOL Form 5500 filings.
- Total Service Provider Fees: $26,273,012
- Estimated Expense Ratio: 17.693% of plan assets
Historical Administrative Expenses
Breakdown of administrative expense categories reported on Form 5500 filings.
| Year | Total Admin Expenses | Investment Mgmt Fees | Contract Admin Fees | IQPA Audit Fees | Professional Fees |
|---|---|---|---|---|---|
| 2025 | $135,110,776 | $71,040 | — | — | — |
| 2024 | $11,850,825 | $72,716 | — | — | — |
| 2023 | $11,190,623 | $66,019 | — | — | — |
| 2022 | $11,520,341 | $66,030 | — | — | $9,192,506 |