Every year, when new 401(k) data is released, it quietly reveals how uneven wealth building can be. In 2024, that picture is especially clear. The retirement plans with the highest average balances mostly belong to two types of organizations. On one side are high-income professionals such as physicians, lawyers, and boutique asset managers. These groups tend to have both strong personal contributions and large employer matches, often tied to firm profits. On the other side, a few large corporations, such as Texas Instruments and General Re, show that slow and steady saving across decades can also create significant wealth. MyPlanIQ recently did a study on all year 2024 retirement plans. We identified the top retirement plans that have the highest average participant account value. We limited our study in plans that have at least 100 participants. Below is a summary of the top 37 retirement plans by average account value. The numbers speak for themselves. Rank Retirement Plan Sponsor Average Account Value 1 Lone Pine Capital LLC 401(k) Profit Sharing Plan Lone Pine Capital LLC $1,612,021 2 Anesthesia Service Medical Group, Inc. 401(k) Profit Sharing Plan Trust Anesthesia Service Medical Group, Inc. $1,240,779 3 Medical Center Emergency Services Retirement Savings Thrift Plan Medical Center Emergency Services $1,217,978 4 Crescent River Port Pilots’ Association 401(k) Retirement Plan Crescent River Port Pilots’ Association $1,172,843 5 Irell & Manella Profit Sharing Plan Irell & Manella LLP $1,003,150 6 Anesthesia Consultants of Indianapolis, LLC 401(k) Profit Sharing Plan Anesthesia Consultants of Indianapolis, LLC $975,046 7 Fond du Lac Regional Clinic, S.C. 401(k) Profit Sharing Plan Fond du Lac Regional Clinic, S.C. $967,649 8 Wasatch Advisors, LP Deferred Profit Sharing Plan and Trust Wasatch Advisors, LP $924,154 9 Dodge & Cox Profit Sharing Plan Dodge & Cox $912,271 10 National Exchange Carrier Association Retirement Savings Plan National Exchange Carrier Association, Inc. $893,253 11 TI 401(k) Savings Plan Texas Instruments Incorporated $882,313 12 Employee Savings and Stock Ownership Plan of General Re Corp and its Domestic Subsidiaries General Re Corporation $862,746 13 Kleinberg, Kaplan, Wolff & Cohen, P.C. 401(k) Profit Sharing Plan Kleinberg, Kaplan, Wolff & Cohen, P.C. $860,649 14 Zeta Associates Incorporated Savings Plan Zeta Associates $829,709 15 Anesthesia Consultants of Indianapolis, LLC 401(k) Profit Sharing Plan Anesthesia Consultants of Indianapolis, LLC $804,322 16 Jennison Associates Savings Plan Jennison Associates LLC $797,881 17 Nutter, McClennen & Fish, LLP Lawyers Retirement Plan Nutter, McClennen & Fish, LLP $792,777 18 Carter Ledyard & Milburn LLP 401(k) Retirement Plan Carter Ledyard & Milburn LLP $778,761 19 Medical Anesthesia Group, P.A. Profit Sharing Plan Medical Anesthesia Group, P.A. $754,092 20 Bayerische Landesbank NY Employees Retirement Plan Bayerische Landesbank $747,774 21 Barrow, Hanley Profit Sharing & 401(k) Plan Barrow, Hanley, Mewhinney and Strauss, LLC $736,341 22 Callan LLC Retirement Savings Plan Callan LLC $717,465 23 Sills Cummis & Gross P.C. Defined Contribution Plan Sills Cummis & Gross P.C. $716,205 24 Maverick Capital, Ltd. 401(k) Plan Maverick Capital, Ltd. $676,958 25 Progressive Physician Associates, Inc. Retirement Savings Plan Progressive Physician Associates, Inc. $669,937 26 Jeffer Mangels Butler & Mitchell LLP Profit Sharing and 401(k) Plan Jeffer Mangels Butler & Mitchell LLP $663,531 27 QRM 401(k) Retirement Savings Plan Quantitative Risk Management, Inc. $662,045 28 Neuberger Berman Group 401(k) Plan Neuberger Berman Group LLC $661,047 29 MBIA Inc. Employees Pension Plan MBIA Inc. $658,502 30 Maher Terminals LLC Profit Sharing and 401(k) Plan Maher Terminals LLC $657,996 31 Willcox & Savage, P.C. Profit-Sharing Retirement Plan Willcox & Savage, P.C. $647,756 32 Morris, Nichols, Arsht & Tunnell LLP 401(k) Profit Sharing Plan Morris, Nichols, Arsht & Tunnell LLP $647,520 33 Eastman & Smith Ltd. Profit Sharing and Savings Plan and Trust Eastman & Smith Ltd. $643,627 34 APG Asset Management 401(k) Plan APG Asset Management $642,912 35 American Radiology Associates, P.A. Retirement Plan American Radiology Associates, P.A. $638,273 36 First Manhattan 401(k) Plan FMC Group Holdings LP $636,751 37 Downs Rachlin Martin Retirement Plan Downs Rachlin Martin PLLC $632,968 Across these 37 plans, the average account value stands close to $820,000, with a median around $754,000. That is a striking contrast to the national average, which remains under $120,000 for most retirement savers. The first major reason for this difference is compensation. These are high-income groups with the ability to contribute the annual maximum without hardship. Employers in these professional partnerships also tend to make hefty profit-sharing contributions. A doctor earning $400,000 a year or a law partner receiving a share of firm profits can easily reach contribution limits and still receive matching or profit-based additions on top. Over time, that combination of high base income and rich employer match drives account values far above what traditional salaried workers can achieve. The second reason is less about pay and more about time. Companies such as Texas Instruments and General Re demonstrate the quiet power of long-term consistency. Their plans have thousands of participants and more modest individual incomes, yet decades of continuous contributions and steady investment returns have compounded into substantial balances. The difference is discipline rather than income level. These two factors together explain why some retirement plans have reached the million-dollar mark while others lag far behind. High income and employer generosity create the initial lift. Long time horizons finish the job. In a period when many Americans are struggling to save even a fraction of what they will need, these plans are reminders that structure and time still matter more than luck. The quiet millionaires of 2024 did not chase returns or time markets. They simply contributed, matched, and waited long enough for patience to pay.