Union Pacific Railroad Company 401(k) Plan: Login, Facts & Contact Information
Union Pacific Railroad Company 401(k) Login
3,527 former Union Pacific Railroad Company employees still have money in this plan.
Retirement plan providers can change. This information is from the plan's 2024 filing.
Union Pacific Railroad Company 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
- $107.1 million went into the plan in contributions, $1.43 million of it from the employer (1%).
- $200.0 million was paid out to participants.
- Investment and other income added $229.3 million.
- Administrative expenses were $1.74 million, about $88 per account.
How the Union Pacific Railroad Company 401(k) changed, 2019–2024
| Plan year | Participants | Plan assets | Employer contributions | Benefits paid |
|---|---|---|---|---|
| 2019 | 41,811 | $2.08 billion | $2.57 million | $175.5 million |
| 2020 | 41,016 | $2.18 billion | $1.69 million | $302.8 million |
| 2021 | 37,159 | $2.46 billion | $1.44 million | $162.7 million |
| 2022 | 33,746 | $1.97 billion | $1.45 million | $179.4 million |
| 2023 | 32,430 | $2.26 billion | $1.62 million | $161.3 million |
| 2024 | 33,283 | $2.39 billion | $1.43 million | $200.0 million |
Union Pacific Railroad Company 401(k) Contact Information
Questions about the Union Pacific Railroad Company 401(k)
Does Union Pacific Railroad Company contribute to the 401(k)?
Yes. The plan reports an employer contribution arrangement. In plan year 2024 the employer contributed $1.43 million, 1% of all contributions.
Does the Union Pacific Railroad Company 401(k) have automatic enrollment?
No. The plan does not report automatic enrollment; employees enroll themselves.
How many people are in the Union Pacific Railroad Company 401(k) plan?
33,283 participants at the start of plan year 2024, 27,598 of them active employees, and 3,527 former employees who still had money in the plan.
What is the average 401(k) balance at Union Pacific Railroad Company?
About $121,384 per account: $2.39 billion in plan assets across 19,688 accounts with a balance at the end of plan year 2024.
Who manages the Union Pacific Railroad Company 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 Railroad Company. 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.