Flowers Foods 401(k) match, vesting and fees
What Flowers Foods' 401(k) plan says about matching contributions
Plan features
Match, vesting and enrollment details have not been published from this plan's audit report yet. The figures below come from the structured filing.
| Recordkeeper | Empower Annuity Ins Co of America | Schedule C ↗ |
| Independent auditor | Pricewaterhouse Coopers, LLP (unmodified opinion) | Schedule H ↗ |
| Plan type and status | 401(k) · Active | Form 5500 ↗ |
How the plan compares
Plan year 2025 medians for 65 defined-contribution plans in manufacturing with 10,000 to 49,999 participants.
| Flowers Foods: employer contribution per participant | $2,955 | |
| Peer median | $3,789 |
| Flowers Foods: average balance | $77,997 | |
| Peer median | $192,757 |
| Flowers Foods: admin expenses ÷ assets | 0.10% | |
| Peer median | 0.04% |
Admin expenses are the plan's reported administrative expenses divided by its assets; they do not include fund expense ratios.
Plan history
Plan assets went from $864M at the end of plan year 2021 to $959M at the end of plan year 2025.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2025 | 12,933 | $959M | $36.3M | $2,955 | 0.10% | Not published | Form 5500 ↗ |
| 2024 | 12,917 | $883M | $33.9M | $2,742 | 0.10% | Not published | Form 5500 ↗ |
| 2023 | 11,756 | $818M | $31.8M | $2,708 | 0.10% | Not published | Form 5500 ↗ |
| 2022 | 11,503 | $726M | $30M | $2,611 | 0.09% | Not published | Form 5500 ↗ |
| 2021 | 11,000 | $864M | $29.3M | $2,667 | 0.08% | Not published | Form 5500 ↗ |
Other Flowers Foods plans (2)
Each plan files its own Form 5500. Figures are from each plan's latest filing.
Flowers Foods, Inc. Retirement Plan No. 2
Plan features
Match, vesting and enrollment details have not been published from this plan's audit report yet. The figures below come from the structured filing.
| Independent auditor | Cri Advisors, LLC (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | Pension (defined benefit) · Active | Form 5500 ↗ |
Holsum Bakery Bakers and Sanitors' Pension Plan
Plan features
Match, vesting and enrollment details have not been published from this plan's audit report yet. The figures below come from the structured filing.
| Recordkeeper | Empower Annuity Insurance Company | Schedule C ↗ |
| Independent auditor | Carr, Riggs & Ingram, LLC (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | Retirement · Terminated (final filing) | Form 5500 ↗ |
Common questions
Does Flowers Foods match 401(k) contributions?
The match terms for the Flowers Foods, Inc. 401(k) Retirement Savings Plan have not been published from its filing yet. The plan year 2025 filing reports $36.3M in employer contributions, about $2,955 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the Flowers Foods 401(k) match vested?
The vesting schedule for the Flowers Foods, Inc. 401(k) Retirement Savings Plan is not in the data published so far. Your Summary Plan Description states it.
Who manages the Flowers Foods 401(k)?
The recordkeeper listed on Schedule C of the plan year 2025 filing is Empower Annuity Ins Co of America. The plan administrator is Flowers Foods, Inc..
I left Flowers Foods. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (Flowers Foods, Inc., (229) 226-9110) or the recordkeeper, Empower Annuity Ins Co of America. The Flowers Foods old 401(k) page lists the contacts from every plan filing. Find an old Flowers Foods 401(k)
Data from the public Form 5500 annual reports Flowers Foods filed with the U.S. Department of Labor (plan years 2021 and 2022 and 2023 and 2024 and 2025) and, where noted, the attached independent auditor's report. Plan terms may have changed since the filing; check your current Summary Plan Description. PlanFacts is not affiliated with Flowers Foods. Not financial advice. Report a correction · Methodology