Bank of America 401(k) and pension plans

Bank of America Corporation, Charlotte, NC. EIN 56-0906609. Annual reports 2009–2025. Also filed as Merrill Lynch & Co., Inc.

Bank of America Corporation has 3 active retirement plans on file. The largest is the The Bank of America 401(k) Plan, with 246,394 participants and $71.5 billion in assets in 2025.

Active plans: 3
Participants: 408,949
Plan assets: $91.1 billion
401(k) recordkeeper: Fidelity
Plans on file: 6
Industry: Holding companies

All 6 plans

Active plans first

The Bank of America 401(k) Plan

401(k) with ESOPActive

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

Plan number: 003Employer EIN 56-0906609
Participants (2025): 246,394
Net assets (2025): $71.5 billion
Last listed recordkeeper: MerrillEarlier: Fidelity (2009–2014)
Plan administrator: Bank of America Corporation Corporate Benefits Committee
401 N. Tryon Street, NC1-021-08-03
Charlotte, NC 28255
(800) 556-6044As filed for 2025
In effect since: January 1, 1983

Plans merged into this one: The Bank of America 401(k) Plan for Legacy Companies (2012); Merrill Lynch & Co., Inc. 401(k) Savings & Investment Plan (2018).

Year by year, 2009 to 2025

Plan year	Participants	Net assets	Recordkeeper
2025	246,394	$71.5 billion	not listed
2024	250,040	$62.9 billion	not listed
2023	254,477	$54.8 billion	not listed
2022	263,860	$47.1 billion	not listed
2021	272,341	$57.9 billion	not listed
2020	277,767	$49.2 billion	not listed
2019	283,172	$44.4 billion	not listed
2018	279,148	$35.9 billion	Merrill
2017	249,734	$26.5 billion	Merrill
2016	250,499	$22.1 billion	Merrill
2015	279,294	$19.8 billion	Merrill
2014	238,853	$20.1 billion	Fidelity
2013	280,123	$18.7 billion	Fidelity
2012	216,948	$9.7 billion	Fidelity
2011	223,158	$7.8 billion	Fidelity
2010	214,600	$8.4 billion	Fidelity
2009	203,772	$7.5 billion	Fidelity

The Bank of America Pension Plan

Cash balance pension, frozenActive

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

Plan number: 001Employer EIN 56-0906609
Participants (2025): 154,763
Net assets (2025): $18.4 billion
Administered by: Fidelity2009–2025
Plan administrator: Bank of America Corporation Corporate Benefits Committee
3400 Pawtucket Ave., RI1-530-01-15
Riverside, RI 02915
(800) 556-6044As filed for 2025
In effect since: January 1, 1973

Plans merged into this one: The Bank of America Pension Plan for Legacy Companies (2013).

Year by year, 2009 to 2025

Plan year	Participants	Net assets	Recordkeeper
2025	154,763	$18.4 billion	Fidelity
2024	168,197	$17.6 billion	Fidelity
2023	181,533	$17.6 billion	Fidelity
2022	200,581	$17.2 billion	Fidelity
2021	209,232	$22.1 billion	Fidelity
2020	216,384	$21.8 billion	Fidelity
2019	225,967	$20.3 billion	Fidelity
2018	246,757	$18.2 billion	Fidelity
2017	265,825	$19.7 billion	Fidelity
2016	277,618	$18.2 billion	Fidelity
2015	290,224	$18.0 billion	Fidelity
2014	308,649	$18.6 billion	Fidelity
2013	357,425	$18.3 billion	Fidelity
2012	248,524	$9.1 billion	Fidelity
2011	256,554	$8.5 billion	Fidelity
2010	247,759	$9.0 billion	Fidelity
2009	243,303	$8.4 billion	Fidelity

The Bank of America Transferred Savings Account Plan

Employee stock ownership plan (ESOP)Active

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

Plan number: 007Employer EIN 56-0906609
Participants (2025): 7,792
Net assets (2025): $1.2 billion
Recordkeeper: Fidelity2009–2025
Plan administrator: Bank of America Corporation Corporate Benefits Committee
3400 Pawtucket Ave., RI1-530-01-15
Riverside, RI 02915
(800) 556-6044As filed for 2025
In effect since: April 15, 2009

Year by year, 2009 to 2025

Plan year	Participants	Net assets	Recordkeeper
2025	7,792	$1.2 billion	Fidelity
2024	8,515	$1.1 billion	Fidelity
2023	9,634	$1.1 billion	Fidelity
2022	10,258	$1.0 billion	Fidelity
2021	11,208	$1.4 billion	not listed
2020	11,848	$1.3 billion	not listed
2019	12,350	$1.2 billion	not listed
2018	13,078	$1.1 billion	Fidelity
2017	13,843	$1.2 billion	Fidelity
2016	14,783	$1.1 billion	Fidelity
2015	16,145	$1.1 billion	Fidelity
2014	17,668	$1.3 billion	Fidelity
2013	19,175	$1.3 billion	Fidelity
2012	20,679	$1.2 billion	Fidelity
2011	20,761	$1.2 billion	Fidelity
2010	22,106	$1.4 billion	Fidelity
2009	23,522	$1.4 billion	Fidelity

Merrill Lynch & Co., Inc. 401(k) Savings & Investment Plan

401(k) with ESOPMerged

Merged. In 2018 its assets moved to the The Bank of America 401(k) Plan, sponsored by Bank of America Corporation (EIN 56-0906609, plan 003). Accounts moved with them, so that plan is the one to contact.

Plan number: 011Employer EIN 56-0906609
Participants (2017): 35,022
Net assets (2017): $11.8 billion
Recordkeeper: Merrill2010–2018
Plan administrator: Bank of America Corporation Corporate Benefits Committee
401 N. Tryon Street, NC1-021-08-03
Charlotte, NC 28255
(800) 457-5700As filed for 2018
In effect since: October 1, 1987

Plans merged into this one: Becker Employees Profit Sharing Plan (2011); Merrill Lynch & Co., Inc. Retirement Accumulation Plan (2012).

Earlier sponsor: Merrill Lynch & Co., Inc. (2009–2012).

Earlier plan names: Merrill Lynch & Co., Inc. 401K Savings & Investment Plan; Merrill Lynch & Co. , Inc. 401(k) Savings & Investment Plan.

Year by year, 2009 to 2018

Plan year	Participants	Net assets	Recordkeeper
2018	0	$0	Merrill
2017	35,022	$11.8 billion	Merrill
2016	36,845	$10.0 billion	Merrill
2015	39,502	$9.1 billion	Merrill
2014	40,889	$9.1 billion	not listed
2013	44,119	$8.5 billion	not listed
2012	47,034	$7.1 billion	not listed
2011	50,313	$4.1 billion	not listed
2010	75,325	$4.4 billion	Merrill
2009	68,727	$4.1 billion	not listed

The Bank of America Pension Plan for Legacy Companies

Cash balance pension, frozenMerged

Merged. In 2013 its assets moved to the The Bank of America Pension Plan, sponsored by Bank of America Corporation (EIN 56-0906609, plan 001). Accounts moved with them, so that plan is the one to contact.

Plan number: 005Employer EIN 56-0906609
Participants (2012): 137,289
Net assets (2012): $7.2 billion
Administered by: Fidelity2009–2013
Plan administrator: Bank of America Corporation Corporate Benefits Committee
100 N. Tryon Street, NC1-007-08-29
Charlotte, NC 28255
(800) 556-6044As filed for 2013
In effect since: January 1, 1948

Year by year, 2009 to 2013

Plan year	Participants	Net assets	Recordkeeper
2013	0	$0	Fidelity
2012	137,289	$7.2 billion	Fidelity
2011	139,893	$6.6 billion	Fidelity
2010	142,499	$6.7 billion	Fidelity
2009	156,033	$6.2 billion	Fidelity

The Bank of America 401(k) Plan for Legacy Companies

401(k) with ESOPMerged

Merged. In 2012 its assets moved to the The Bank of America 401(k) Plan, sponsored by Bank of America Corporation (EIN 56-0906609, plan 003). Accounts moved with them, so that plan is the one to contact.

Plan number: 006Employer EIN 56-0906609
Participants (2011): 89,677
Net assets (2011): $4.9 billion
Recordkeeper: Fidelity2009–2012
Plan administrator: Bank of America Corporation Corporate Benefits Committee
100 N. Tryon Street, NC1-007-08-29
Charlotte, NC 28255
(800) 556-6044As filed for 2012
In effect since: January 1, 1975

Earlier plan names: The Bank of America 401K Plan for Legacy Companies.

Year by year, 2009 to 2012

Plan year	Participants	Net assets	Recordkeeper
2012	0	$0	Fidelity
2011	89,677	$4.9 billion	Fidelity
2010	101,203	$5.4 billion	Fidelity
2009	99,463	$4.9 billion	Fidelity

If you had money in one of these plans

Call Fidelity (fidelity.com), which runs the The Bank of America Transferred Savings Account 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 ((800) 556-6044). That number was filed for 2025; ask for the benefits or retirement plan office.
If your plan was merged, your account moved with it. Follow the link on the plan to the plan it went into, and contact that one.
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 6 plans

The Bank of America 401(k) Plan

The Bank of America Pension Plan

The Bank of America Transferred Savings Account Plan

Merrill Lynch & Co., Inc. 401(k) Savings & Investment Plan

The Bank of America Pension Plan for Legacy Companies

The Bank of America 401(k) Plan for Legacy Companies

If you had money in one of these plans

What these numbers are

Other employers in NC