American Water Works 401(k) and pension plans

American Water Works Company, Inc., Camden, NJ. EIN 51-0063696. Annual reports 2009–2025. Also filed as American Water Works Co., Inc.

American Water Works Company, Inc. has 3 active retirement plans on file. The largest is the Savs PL for Emps of Amer WTR WKS Co Inc & Its Desig Subs, with 8,606 participants and $1.6 billion in assets in 2025. Empower has been its recordkeeper since 2020.

Active plans: 3
Participants: 14,587
Plan assets: $3.0 billion
401(k) recordkeeper: Empower
Plans on file: 3
Industry: Utilities

All 3 plans

Active plans first

Savs PL for Emps of Amer WTR WKS Co Inc & Its Desig Subs

401(k)Active

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

Plan number: 003Employer EIN 51-0063696
Participants (2025): 8,606
Net assets (2025): $1.6 billion
Recordkeeper: EmpowerEarlier: Merrill (2009–2019)
Plan administrator: American Water Works Company, Inc.
P.O. Box 2738, Attn Tax Dept.
Camden, NJ 08101
(856) 955-4001As filed for 2025
In effect since: August 1, 1993

Year by year, 2009 to 2025

Plan year	Participants	Net assets	Recordkeeper
2025	8,606	$1.6 billion	Empower
2024	8,308	$1.4 billion	Empower
2023	8,137	$1.3 billion	Empower
2022	8,042	$1.0 billion	Empower
2021	8,306	$1.3 billion	Empower
2020	8,122	$1.1 billion	Empower
2019	8,117	$952 million	Merrill
2018	8,423	$795 million	Merrill
2017	8,331	$834 million	Merrill
2016	8,220	$709 million	Merrill
2015	8,045	$659 million	Merrill
2014	7,825	$656 million	Merrill
2013	7,884	$613 million	Merrill
2012	8,032	$523 million	Merrill
2011	9,523	$475 million	Merrill
2010	8,884	$464 million	Merrill
2009	8,692	$386 million	Merrill

Pension Plan for Certain Inactive Participants of American Water Works Company, Inc. and Its Designa

Pension (defined benefit)Active

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

Plan number: 004Employer EIN 51-0063696
Participants (2024): 3,409
Net assets (2024): $682 million
Plan administrator: American Water Works Co., Inc.
P.O. Box 2738, Attn Tax Dept., 1 Water Stret
Camden, NJ 08101
(856) 346-8200As filed for 2024
In effect since: January 1, 2023

Year by year, 2023 to 2024

Plan year	Participants	Net assets	Recordkeeper
2024	3,409	$682 million	not listed
2023	3,474	$730 million	not listed

Pension Plan for Employees of American Water Works Company, Inc. & Its Designated Subsidiaries

Pension (defined benefit)Active

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

Plan number: 001Employer EIN 51-0063696
Participants (2024): 2,572
Net assets (2024): $712 million
Last listed administrator: A Letter Service2010
Plan administrator: American Water Works Co., Inc.
P.O. Box 2738, Attn Tax Dept., 1 Water Street
Camden, NJ 08101
(856) 346-8200As filed for 2024
In effect since: July 1, 1952

Year by year, 2009 to 2024

Plan year	Participants	Net assets	Recordkeeper
2024	2,572	$712 million	not listed
2023	2,611	$703 million	not listed
2022	6,335	$1.4 billion	not listed
2021	6,400	$1.5 billion	not listed
2020	6,762	$2.0 billion	not listed
2019	6,881	$1.8 billion	not listed
2017	7,053	$1.6 billion	not listed
2016	7,069	$1.5 billion	not listed
2015	7,098	$1.5 billion	not listed
2014	7,158	$1.4 billion	not listed
2013	8,260	$1.5 billion	not listed
2012	8,285	$1.3 billion	not listed
2011	8,261	$1.1 billion	not listed
2010	8,427	$946 million	A Letter Service
2009	8,666	$695 million	not listed

If you had money in one of these plans

Call Empower (empower.com), which runs the Savs PL for Emps of Amer WTR WKS Co Inc & Its Desig Subs. 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 ((856) 955-4001). 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.