Panera Bread 401(k) plan

Panera Bread Company, Fenton, MO. EIN 04-2723701. Annual reports 2009–2025.

Panera Bread Company has one active retirement plan on file, the Panera Bread Company 401(k) Retirement Savings Plan, with 25,670 participants and $325 million in assets in 2025. Principal has been its recordkeeper since 2020. No traditional pension plan appears in Panera Bread's filings since 2009.

Active plans: 1
Participants: 25,670
Plan assets: $325 million
401(k) recordkeeper: Principal
Plans on file: 1
Industry: Hotels and restaurants

The plan

Panera Bread Company 401(k) Retirement Savings Plan

401(k)Active

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

Plan number: 001Employer EIN 04-2723701
Participants (2025): 25,670
Net assets (2025): $325 million
Recordkeeper: PrincipalEarlier: Wells Fargo (2017–2019), Fidelity (2009–2016)
Plan administrator: Panera Bread Company
1400 S Highway DR, Ste 100
Fenton, MO 63026
(314) 984-1000As filed for 2025
In effect since: May 15, 1999

Plans merged into this one: Abp Corporation 401(k) Plan (2018).

Earlier plan names: Panera Bread Company 401(k) Savings Plan.

Year by year, 2009 to 2025

Plan year	Participants	Net assets	Recordkeeper
2025	25,670	$325 million	Principal
2024	27,108	$285 million	Principal
2023	29,229	$251 million	Principal
2022	30,616	$200 million	Principal
2021	35,131	$225 million	Principal
2020	41,267	$196 million	Principal
2019	53,408	$180 million	Wells Fargo
2018	42,950	$129 million	Wells Fargo
2017	37,661	$129 million	Wells Fargo
2016	31,454	$99.1 million	Fidelity
2015	20,199	$82.7 million	Fidelity
2014	18,560	$77.0 million	Fidelity
2013	16,816	$69.9 million	Fidelity
2012	15,108	$53.1 million	Fidelity
2011	13,593	$43.1 million	Fidelity
2010	11,509	$39.2 million	Fidelity
2009	10,460	$29.1 million	Fidelity

If you had money in one of these plans

Call Principal (principal.com), which runs the Panera Bread Company 401(k) Retirement 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 ((314) 984-1000). 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

Panera Bread Company 401(k) Retirement Savings Plan

If you had money in one of these plans

What these numbers are

Other employers in MO