# Union Pacific Railroad Company 401(k) Plan
Source: https://planprovider.pro/companies/union-pacific-railroad-company-946001323-501

> Union Pacific Railroad Company's 401(k) plan: 12,273 participants, plan year 2025 financials, providers, and benchmarks from Form 5500.

Form 5500 filing data for plan year 2025.

## 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|

[View full interactive plan profile on PlanProvider.Pro](https://planprovider.pro/companies/union-pacific-railroad-company-946001323-501)

© 2026 PlanProvider.Pro