Zachry Holdings, Inc. 401(k) Plan: Login, Facts & Contact Information

Zachry Holdings, Inc. 401(k) Plan Facts

Plan name
ZHI 401(K) RETIREMENT SAVINGS PLAN
Plan type
401(k) with employer contributions and profit sharing
Plan sponsor
ZACHRY HOLDINGS, INC.
Participants
26,941 (13,422 active employees)
Former employees with a balance
7,249
Plan assets
$1,004,873,778 at Dec 31, 2024
Average account balance
$74,857 across 13,424 accounts
Employer contributions
$27,571,480 in plan year 2024 (33% of all contributions)
Recordkeeper
Fidelity Investments Institutional
Plan year
Jan 1, 2024 – Dec 31, 2024
Plan established
Jan 1, 1989
✓ Employer contributions— Automatic enrollment✓ Default investment for undecided participants✓ Participants choose their own investments— Self-directed brokerage window✓ Profit sharing— Company stock (ESOP)

Source: Form 5500 for plan year 2024 (Jan 1, 2024 – Dec 31, 2024), filed Sep 30, 2025. Public filing with the U.S. Department of Labor.

Money in and out in plan year 2024

  • $83.8 million went into the plan in contributions, $27.6 million of it from the employer (33%).
  • $159.5 million was paid out to participants.
  • Investment and other income added $152.0 million.

How the Zachry Holdings, Inc. 401(k) changed, 2019–2024

Plan yearParticipantsPlan assetsEmployer contributionsBenefits paid
201925,710$919.5 million$35.0 million$117.0 million
202021,899$960.7 million$13.5 million$181.2 million
202117,732$1.01 billion$7.28 million$143.7 million
202220,722$792.5 million$23.8 million$113.3 million
202320,487$927.9 million$27.4 million$103.7 million
202426,941$1.00 billion$27.6 million$159.5 million

Zachry Holdings, Inc. 401(k) Contact Information

Phone
800-929-0481
Mailing address
527 LOGWOOD AVENUE, SAN ANTONIO TX 782211738
Plan sponsor
ZACHRY HOLDINGS, INC.
Employer identification number (EIN)
26-1256814
Plan number
004

Questions about the Zachry Holdings, Inc. 401(k)

Does Zachry Holdings, Inc contribute to the 401(k)?

Yes. The plan reports an employer contribution arrangement. In plan year 2024 the employer contributed $27.6 million, 33% of all contributions.

Does the Zachry Holdings, Inc 401(k) have automatic enrollment?

No. The plan does not report automatic enrollment; employees enroll themselves.

How many people are in the Zachry Holdings, Inc 401(k) plan?

26,941 participants at the start of plan year 2024, 13,422 of them active employees, and 7,249 former employees who still had money in the plan.

What is the average 401(k) balance at Zachry Holdings, Inc?

About $74,857 per account: $1.00 billion in plan assets across 13,424 accounts with a balance at the end of plan year 2024.

Who manages the Zachry Holdings, Inc 401(k) accounts?

Fidelity NetBenefits (listed on the filing as FIDELITY INVESTMENTS INSTITUTIONAL) is the plan's recordkeeper, which is where participants log in to see their balance.

I no longer work at Zachry Holdings, Inc. How do I access my 401(k)?

Your account stays with Fidelity NetBenefits 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.

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