Union Pacific Corporation 401(k) Plan: Login, Facts & Contact Information
Union Pacific Corporation 401(k) Login
2,687 former Union Pacific Corporation employees still have money in this plan.
Retirement plan providers can change. This information is from the plan's 2024 filing.
Union Pacific Corporation 401(k) Plan Facts
Source: Form 5500 for plan year 2024 (Jan 1, 2024 – Dec 31, 2024), filed Oct 10, 2025. Public filing with the U.S. Department of Labor.
Money in and out in plan year 2024
- $79.6 million went into the plan in contributions, $27.2 million of it from the employer (34%).
- $259.8 million was paid out to participants.
- Investment and other income added $220.6 million.
- Administrative expenses were $994,447, about $119 per account.
How the Union Pacific Corporation 401(k) changed, 2019–2024
| Plan year | Participants | Plan assets | Employer contributions | Benefits paid |
|---|---|---|---|---|
| 2019 | 9,532 | $2.09 billion | $16.1 million | $195.9 million |
| 2020 | 9,066 | $2.26 billion | $18.6 million | $227.6 million |
| 2021 | 8,894 | $2.53 billion | $19.3 million | $154.1 million |
| 2022 | 8,822 | $2.03 billion | $22.4 million | $165.4 million |
| 2023 | 8,989 | $2.27 billion | $25.6 million | $185.5 million |
| 2024 | 8,840 | $2.30 billion | $27.2 million | $259.8 million |
Union Pacific Corporation 401(k) Contact Information
Questions about the Union Pacific Corporation 401(k)
Does Union Pacific Corporation contribute to the 401(k)?
Yes. The plan reports an employer contribution arrangement. In plan year 2024 the employer contributed $27.2 million, 34% of all contributions.
Does the Union Pacific Corporation 401(k) have automatic enrollment?
Yes. The plan reports automatic enrollment of eligible employees.
How many people are in the Union Pacific Corporation 401(k) plan?
8,840 participants at the start of plan year 2024, 5,184 of them active employees, and 2,687 former employees who still had money in the plan.
What is the average 401(k) balance at Union Pacific Corporation?
About $275,222 per account: $2.30 billion in plan assets across 8,373 accounts with a balance at the end of plan year 2024.
Who manages the Union Pacific Corporation 401(k) accounts?
Vanguard (listed on the filing as THE VANGUARD GROUP, INC) is the plan's recordkeeper, which is where participants log in to see their balance.
I no longer work at Union Pacific Corporation. How do I access my 401(k)?
Your account stays with Vanguard after you leave, so you can log in with the same credentials. If your balance was small, the plan may have rolled it into an IRA in your name. If you can't find it, Beagle can locate it for you.