First Watch Restaurants 401(k) plan

First Watch Restaurants, Inc., Bradenton, FL. EIN 65-0543723. Annual reports 2009–2025. Also filed as First Watch Restaurants; First Watch Restaurants, Inc; First Watch Restaurants,inc.

First Watch Restaurants, Inc. has one active retirement plan on file, the First Watch 401(k) Savings Plan, with 15,597 participants and $48.4 million in assets in 2025. Principal has been its recordkeeper since 2023. No traditional pension plan appears in First Watch Restaurants's filings since 2009.

Active plans: 1
Participants: 15,597
Plan assets: $48.4 million
401(k) recordkeeper: Principal
Plans on file: 1
Industry: Hotels and restaurants

The plan

First Watch 401(k) Savings Plan

401(k)Active

Active. The plan filed its annual report for the 2025 plan year.

Plan number: 001Employer EIN 65-0543723
Participants (2025): 15,597
Net assets (2025): $48.4 million
Recordkeeper: PrincipalEarlier: Ascensus (2009–2022)
Plan administrator: First Watch Restaurants, Inc.
8725 Pendery Place, Suite #201
Bradenton, FL 34201
(941) 907-9800As filed for 2025
In effect since: January 1, 2000

Earlier plan names: First Watch 401(k) Saving Plans.

Year by year, 2009 to 2025

Plan year	Participants	Net assets	Recordkeeper
2025	15,597	$48.4 million	Principal
2024	16,771	$38.5 million	Principal
2023	14,257	$30.1 million	Principal
2022	5,583	$25.4 million	Ascensus
2021	4,246	$29.2 million	Ascensus
2020	5,258	$23.9 million	Ascensus
2019	4,604	$19.7 million	Ascensus
2018	3,945	$14.3 million	Ascensus
2017	3,321	$13.2 million	Ascensus
2016	3,383	$9.8 million	Ascensus
2015	2,825	$7.7 million	Ascensus
2014	1,151	$7.1 million	Ascensus
2013	1,128	$6.1 million	Ascensus
2012	1,127	$5.6 million	Ascensus
2011	1,073	$4.8 million	Ascensus
2010	1,136	$4.6 million	Ascensus
2009	1,178	$3.8 million	Ascensus

If you had money in one of these plans

Call Principal (principal.com), which runs the First Watch 401(k) Savings Plan. With your Social Security number and the plan name, it can tell you whether you still have a balance and, if not, where it went.
Or call the plan administrator listed on the plan below ((941) 907-9800). That number was filed for 2025; ask for the benefits or retirement plan office.
Still stuck? The Department of Labor's benefits advisers help for free: askebsa.dol.gov or 1-866-444-3272. Never pay anyone to find your own money.

What these numbers are

They come from the Form 5500 annual reports each plan files with the Department of Labor, as the plan filed them. A plan year is usually a calendar year.
Participants counts everyone in the plan at year end: current employees, former employees who still have a balance or a pension coming, and retirees or beneficiaries being paid.
The recordkeeper is the service provider whose Schedule C entry says it keeps the plan's records. Small plans do not file Schedule C, so some plans show none.
We cannot see anyone's account. Only the plan or its recordkeeper can tell you your balance.

Sources: U.S. Department of Labor, Form 5500 datasets and PBGC trusteed plans. How we read them.

The plan

First Watch 401(k) Savings Plan

If you had money in one of these plans

What these numbers are

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