American Express 401(k) and pension plans

American Express Company and Its Participating Subsidiaries, New York, NY. EIN 13-4922250. Annual reports 2009–2025.

American Express Company and Its Participating Subsidiaries has 2 active retirement plans on file. The largest is the American Express Retirement Savings Plan, with 39,763 participants and $10.4 billion in assets in 2025. Principal has been its recordkeeper since 2020.

Active plans: 2
Participants: 55,884
Plan assets: $11.4 billion
401(k) recordkeeper: Principal
Plans on file: 2
Industry: Finance and insurance

All 2 plans

Active plans first

American Express Retirement Savings Plan

401(k) with ESOPActive

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

Plan number: 002Employer EIN 13-4922250
Participants (2025): 39,763
Net assets (2025): $10.4 billion
Recordkeeper: PrincipalEarlier: Wells Fargo (2010–2019), Wachovia Bank (2009)
Plan administrator: Employee Benefits Administration Committee
200 Vesey Street 01-35-03
New York, NY 10285
(212) 225-4666As filed for 2025
In effect since: June 11, 1973

Year by year, 2009 to 2025

Plan year	Participants	Net assets	Recordkeeper
2025	39,763	$10.4 billion	Principal
2024	38,871	$8.9 billion	Principal
2023	38,796	$7.7 billion	Principal
2022	39,869	$6.4 billion	Principal
2021	35,161	$7.7 billion	Principal
2020	35,133	$7.1 billion	Principal
2019	35,790	$6.2 billion	Wells Fargo
2018	34,490	$5.1 billion	Wells Fargo
2017	33,012	$5.4 billion	Wells Fargo
2016	33,710	$4.6 billion	Wells Fargo
2015	34,348	$4.5 billion	Wells Fargo
2014	34,494	$4.8 billion	Wells Fargo
2013	36,811	$4.8 billion	Wells Fargo
2012	37,453	$3.9 billion	Wells Fargo
2011	38,153	$3.4 billion	Wells Fargo
2010	38,436	$3.3 billion	Wells Fargo
2009	38,178	$3.0 billion	Wachovia Bank

American Express Retirement Plan

Cash balance pension, frozenActive

Active. The plan filed its annual report for the 2024 plan year.

Plan number: 005Employer EIN 13-4922250
Participants (2024): 16,121
Net assets (2024): $1.0 billion
Administered by: PrincipalEarlier: Wells Fargo (2009–2019)
Plan administrator: Employee Benefits Administration Committee
200 Vesey Street 01-35-03
New York, NY 10285
(212) 225-4666As filed for 2024
In effect since: May 1, 1985

Year by year, 2009 to 2024

Plan year	Participants	Net assets	Recordkeeper
2024	16,121	$1.0 billion	Principal
2023	17,067	$1.1 billion	Principal
2022	17,834	$951 million	Principal
2021	18,509	$948 million	Principal
2020	19,281	$1.2 billion	Principal
2019	20,016	$1.1 billion	Wells Fargo
2018	20,684	$1.1 billion	Wells Fargo
2017	21,515	$1.1 billion	Wells Fargo
2016	22,443	$1.1 billion	Wells Fargo
2015	23,434	$1.1 billion	Wells Fargo
2014	24,423	$1.0 billion	Wells Fargo
2013	25,897	$1.1 billion	Wells Fargo
2012	27,869	$1.1 billion	Wells Fargo
2011	29,175	$1.1 billion	Wells Fargo
2010	30,634	$985 million	Wells Fargo
2009	32,281	$1.0 billion	Wells Fargo

If you had money in one of these plans

Call Principal (principal.com), which runs the American Express 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 ((212) 225-4666). 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.

All 2 plans

American Express Retirement Savings Plan

American Express Retirement Plan

If you had money in one of these plans

What these numbers are

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