Capital One Financial 401(k) and pension plans

Capital One Financial Corporation, Mclean, VA. EIN 54-1719854. Annual reports 2009–2025. Also filed as ING Bank, FSB.

Capital One Financial Corporation has 2 active retirement plans on file. The largest is the Capital One Financial Corporation Associate Savings Plan, with 91,543 participants and $18.3 billion in assets in 2025. Fidelity has been its recordkeeper since 2009.

Active plans: 2
Participants: 94,678
Plan assets: $18.6 billion
401(k) recordkeeper: Fidelity
Plans on file: 3
Industry: Holding companies

All 3 plans

Active plans first

Capital One Financial Corporation Associate Savings Plan

401(k)Active

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

Plan number: 002Employer EIN 54-1719854
Participants (2025): 91,543
Net assets (2025): $18.3 billion
Recordkeeper: Fidelity2009–2025
Plan administrator: Capital One Financial Corporation
1680 Capital One Drive
Mclean, VA 22102
(804) 284-6600As filed for 2025
In effect since: January 1, 1995

Plans merged into this one: Hibernia Corporation Employee Stock Ownership Plan and Trust (2009).

Earlier plan names: ING Direct Pension Plan.

Year by year, 2009 to 2025

Plan year	Participants	Net assets	Recordkeeper
2025	91,543	$18.3 billion	Fidelity
2024	68,906	$12.0 billion	Fidelity
2021	62,572	$9.5 billion	Fidelity
2020	61,005	$7.9 billion	Fidelity
2019	60,765	$6.7 billion	Fidelity
2018	56,740	$5.2 billion	Fidelity
2017	55,935	$5.4 billion	Fidelity
2016	53,089	$4.4 billion	Fidelity
2015	68,787	$3.8 billion	Fidelity
2014	56,917	$3.7 billion	Fidelity
2013	61,467	$3.3 billion	Fidelity
2012	0	$0	not listed
2011	45,842	$1.9 billion	Fidelity
2010	40,564	$1.8 billion	Fidelity
2009	39,555	$1.5 billion	Fidelity

Capital One Financial Corporation Cash Balance Pension Plan

Cash balance pension, frozenActive

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

Plan number: 001Employer EIN 54-1719854
Participants (2024): 3,135
Net assets (2024): $247 million
Last listed administrator: State Street2010
Plan administrator: Capital One Financial Corporation
1680 Capital One Drive
Mclean, VA 22102
(804) 284-6600As filed for 2024
In effect since: January 1, 1995

Earlier sponsor: ING Bank, FSB (2009).

Earlier plan names: ING Direct 401K Savings Plan; ING Direct 401(k) Savings Plan.

Year by year, 2009 to 2024

Plan year	Participants	Net assets	Recordkeeper
2024	3,135	$247 million	not listed
2023	3,287	$241 million	not listed
2022	3,383	$227 million	not listed
2021	3,505	$279 million	not listed
2020	3,626	$280 million	not listed
2019	3,760	$260 million	not listed
2018	3,897	$225 million	not listed
2017	4,132	$246 million	not listed
2016	4,513	$226 million	not listed
2015	4,775	$221 million	not listed
2014	5,082	$238 million	not listed
2013	5,467	$231 million	not listed
2012	0	$0	not listed
2011	6,655	$216 million	not listed
2010	7,144	$221 million	State Street
2009	2,699	$66.0 million	not listed

Hibernia Corporation Employee Stock Ownership Plan and Trust

Employee stock ownership plan (ESOP)Merged

Merged. In 2009 its assets moved to the Capital One Fin Cor Ass Sav PN, sponsored by Capital One Financial Corporation (EIN 54-1719854, plan 002). Accounts moved with them, so that plan is the one to contact.

Plan number: 006Employer EIN 54-1719854
Plan administrator: Capital One Financial Corporation
1680 Capital One Drive
Mclean, VA 22102
(703) 875-1000As filed for 2009
In effect since: April 1, 1995

If you had money in one of these plans

Call Fidelity (fidelity.com), which runs the Capital One Financial Corporation Associate 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 ((804) 284-6600). 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.