Bmo Financial 401(k) and pension plans

Bmo Financial Corp., Chicago, IL. EIN 51-0275712. Annual reports 2009–2024. Also filed as Harris N.A.; Bmo Harris Bank N.A.

Bmo Financial Corp. has 2 active retirement plans on file. The largest is the Bmo 401(k) Savings Plan, with 29,464 participants and $5.0 billion in assets in 2024. Empower is its recordkeeper.

Active plans: 2
Participants: 47,588
Plan assets: $6.2 billion
401(k) recordkeeper: Empower
Plans on file: 2
Industry: Finance and insurance

All 2 plans

Active plans first

Bmo 401(k) Savings Plan

401(k)Active

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

Plan number: 001Employer EIN 51-0275712
Participants (2024): 29,464
Net assets (2024): $5.0 billion
Recordkeeper: EmpowerEarlier: Conduent (2017–2023), Xerox (2013–2016), Conduent (2009–2012)
Plan administrator: Benefits Administration Committee
320 South Canal Street, 7 West
Chicago, IL 60606
(312) 848-8155As filed for 2024
In effect since: January 1, 1916

Plans merged into this one: Bank of the West 401(k) Savings Plan (2023).

Earlier sponsors: Harris N.A. (2009–2010); Bmo Harris Bank N.A. (2011–2016).

Earlier plan names: Employees 401(k) Savings Plan of Bank of Montreal/Harris; Employees' 401(k) Savings Plan of Bank of Montreal/Harris.

Year by year, 2009 to 2024

Plan year	Participants	Net assets	Recordkeeper
2024	29,464	$5.0 billion	Empower
2023	30,897	$4.5 billion	Conduent
2022	19,057	$2.6 billion	Conduent
2021	18,104	$3.0 billion	Conduent
2020	18,748	$2.6 billion	Conduent
2019	19,726	$2.3 billion	Conduent
2018	19,783	$1.9 billion	Conduent
2017	17,002	$2.0 billion	Conduent
2016	17,402	$1.7 billion	Xerox
2015	17,690	$1.5 billion	Xerox
2014	17,850	$1.3 billion	Xerox
2013	17,880	$1.2 billion	Xerox
2012	17,969	$948 million	Conduent
2011	18,111	$792 million	Conduent
2010	8,595	$752 million	Conduent
2009	8,197	$651 million	Conduent

Bmo U.S. Pension Plan

Pension (defined benefit)Active

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

Plan number: 002Employer EIN 51-0275712
Participants (2024): 18,124
Net assets (2024): $1.2 billion
Last listed administrator: AlightEarlier: Conduent (2009–2012)
Plan administrator: Benefits Administration Committee
320 South Canal Street, 7 West
Chicago, IL 60606
(312) 848-8155As filed for 2024
In effect since: January 1, 1944

Plans merged into this one: United California Bank Retirement Plan (2023).

Earlier sponsors: Harris N.A. (2009–2010); Bmo Harris Bank N.A. (2011–2016).

Earlier plan names: Employees' Retirement Plan of Bank of Montreal/Harris.

Year by year, 2009 to 2024

Plan year	Participants	Net assets	Recordkeeper
2024	18,124	$1.2 billion	not listed
2023	18,799	$1.3 billion	not listed
2022	11,558	$953 million	not listed
2021	12,084	$1.3 billion	not listed
2020	14,293	$1.4 billion	not listed
2019	15,105	$1.3 billion	not listed
2018	15,863	$1.1 billion	not listed
2017	16,524	$1.2 billion	Alight
2016	17,972	$1.1 billion	not listed
2015	19,777	$1.0 billion	not listed
2014	22,679	$1.2 billion	not listed
2013	22,391	$1.1 billion	not listed
2012	22,089	$1.0 billion	Conduent
2011	21,373	$901 million	Conduent
2010	12,921	$859 million	Conduent
2009	12,265	$774 million	Conduent

If you had money in one of these plans

Call Empower (empower.com), which runs the Bmo 401(k) 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 ((312) 848-8155). That number was filed for 2024; 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

Bmo 401(k) Savings Plan

Bmo U.S. Pension Plan

If you had money in one of these plans

What these numbers are

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