First Horizon 401(k) and pension plans

First Horizon Corporation, Memphis, TN. EIN 62-0803242. Annual reports 2009–2025. Also filed as FNB United Corp.; Communityone Bank, N.A.; First Horizon National Corporation; Capital Bank Financial Corp.

First Horizon Corporation has 2 active retirement plans on file. The largest is the First Horizon Corporation Savings Plan, with 9,529 participants and $1.3 billion in assets in 2025. Transamerica has been its recordkeeper since 2015.

Active plans: 2
Participants: 14,065
Plan assets: $1.9 billion
401(k) recordkeeper: Transamerica
Plans on file: 5
Industry: Finance and insurance

All 5 plans

Active plans first

First Horizon Corporation Savings Plan

401(k) with ESOPActive

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

Plan number: 002Employer EIN 62-0803242
Participants (2025): 9,529
Net assets (2025): $1.3 billion
Recordkeeper: TransamericaEarlier: Alight (2010–2014)
Plan administrator: First Horizon Corporation
Po Box 84
Memphis, TN 38101
(901) 523-4604As filed for 2025
In effect since: April 23, 1978

Earlier sponsor: First Horizon National Corporation (2009–2019).

Earlier plan names: First Horizon National Corporation Savings Plan and Trust; Communityone Bank Pension Plan; First Horizon Corporation Savings Plan and Trust.

Year by year, 2009 to 2025

Plan year	Participants	Net assets	Recordkeeper
2025	9,529	$1.3 billion	Transamerica
2024	10,136	$1.1 billion	Transamerica
2023	10,003	$980 million	Transamerica
2022	10,266	$931 million	Transamerica
2021	10,192	$999 million	Transamerica
2020	10,528	$844 million	Transamerica
2019	7,213	$656 million	Transamerica
2018	7,811	$544 million	Transamerica
2017	6,789	$592 million	Transamerica
2016	289	$11.2 million	not listed
2015	6,219	$461 million	Transamerica
2014	7,034	$459 million	Alight
2013	7,968	$428 million	Alight
2012	7,883	$370 million	Alight
2011	8,088	$334 million	Alight
2010	8,765	$399 million	Alight
2009	9,360	$397 million	not listed

First Horizon Corporation Pension Plan

Pension (defined benefit), frozenActive

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

Plan number: 001Employer EIN 62-0803242
Participants (2024): 4,536
Net assets (2024): $601 million
Plan administrator: First Horizon Corporation
Po Box 84
Memphis, TN 38101
(901) 523-5909As filed for 2024
In effect since: January 25, 1946

Earlier sponsor: First Horizon National Corporation (2009–2018).

Earlier plan names: First Horizon National Corporation Pension Plan.

Year by year, 2009 to 2024

Plan year	Participants	Net assets	Recordkeeper
2024	4,536	$601 million	not listed
2023	5,295	$673 million	not listed
2022	5,319	$662 million	not listed
2021	5,377	$874 million	not listed
2020	5,415	$922 million	not listed
2018	6,602	$747 million	not listed
2017	6,681	$837 million	not listed
2016	7,446	$800 million	not listed
2015	8,907	$820 million	not listed
2014	9,044	$709 million	not listed
2013	9,046	$657 million	not listed
2012	9,115	$647 million	not listed
2011	9,254	$589 million	not listed
2010	9,452	$562 million	not listed
2009	9,459	$508 million	not listed

Communityone Bank Pension Plan

Pension (defined benefit), frozenClosed

Closed. The plan filed its final annual report for 2019, which means its assets were paid out or moved and it no longer exists.

Plan number: 006Employer EIN 62-0803242
Participants (2018): 279
Net assets (2018): $15.7 million
Plan administrator: First Horizon National Corporation
P.O. Box 84
Memphis, TN 38101
(901) 523-5909As filed for 2019
In effect since: January 1, 1975

Year by year, 2017 to 2019

Plan year	Participants	Net assets	Recordkeeper
2019	0	$0	not listed
2018	279	$15.7 million	not listed
2017	286	$17.1 million	not listed

Capital Bank 401(k) Plan

401(k)Closed

Closed. The plan filed its final annual report for 2018, which means its assets were paid out or moved and it no longer exists.

Plan number: 007Employer EIN 62-0803242
Participants (2017): 2,236
Net assets (2017): $60.8 million
Recordkeeper: Fidelity2012–2018
Plan administrator: First Horizon National Corporation
P. O. Box 84
Memphis, TN 38101
(901) 523-5909As filed for 2018
In effect since: January 1, 2012

Plans merged into this one: Communityone 401(k) Plan (2016).

Earlier sponsors: Capital Bank Financial Corp. (2012–2015); Capital Bank Corporation (2016).

Year by year, 2012 to 2018

Plan year	Participants	Net assets	Recordkeeper
2018	0	$0	Fidelity
2017	2,236	$60.8 million	Fidelity
2016	1,739	$44.0 million	Fidelity
2015	1,799	$41.5 million	Fidelity
2014	1,910	$43.0 million	Fidelity
2013	1,957	$42.9 million	Fidelity
2012	1,711	$35.9 million	Fidelity

Communityone 401(k) Plan

401(k)Merged

Merged. In 2016 its assets moved to the Capital Bank 401(k) PLAN, sponsored by First Horizon Corporation (EIN 27-1454759, plan 001). Accounts moved with them, so that plan is the one to contact.

Plan number: 003Employer EIN 56-0223430
Participants (2015): 784
Net assets (2015): $25.9 million
Recordkeeper: EmpowerEarlier: Epic Retirement (2009–2011)
Plan administrator: First Horizon National Corporation
Po Box 84
Memphis, TN 38101
(901) 523-5909As filed for 2016
In effect since: January 1, 1981

Earlier sponsors: FNB United Corp. (2009–2011); Communityone Bank, N.A. (2012–2015).

Earlier plan names: FNB Retirement/Savings Plus Benefit Plan.

Year by year, 2009 to 2016

Plan year	Participants	Net assets	Recordkeeper
2016	0	$0	Empower
2015	784	$25.9 million	Empower
2014	773	$25.7 million	Empower
2013	800	$26.5 million	Empower
2012	838	$24.9 million	Empower
2011	551	$14.3 million	Epic Retirement
2010	609	$16.1 million	Epic Retirement
2009	630	$15.0 million	Epic Retirement

If you had money in one of these plans

Call Transamerica (transamerica.com), which runs the First Horizon Corporation 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 ((901) 523-4604). 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.
If your plan closed, unclaimed balances usually went to an IRA in your name, to the PBGC's missing participants program, or to state unclaimed property. Here is how to check each 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.