Flagstar Bank 401(k) and pension plans

Flagstar Bank, National Association, Hicksville, NY. EIN 06-1377322. Annual reports 2009–2025. Also filed as New York Community Bancorp, Inc.; Flagstar Financial, Inc.

Flagstar Bank, National Association has 2 active retirement plans on file. The largest is the Flagstar Bank, National Association Employee Savings Plan, with 9,504 participants and $945 million in assets in 2025. Empower has been its recordkeeper since 2024.

Active plans: 2
Participants: 11,418
Plan assets: $1.2 billion
401(k) recordkeeper: Empower
Plans on file: 5
Industry: Finance and insurance

All 5 plans

Active plans first

Flagstar Bank, National Association Employee Savings Plan

401(k)Active

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

Plan number: 004Employer EIN 06-1377322
Participants (2025): 9,504
Net assets (2025): $945 million
Recordkeeper: EmpowerEarlier: Pentegra Services (2012–2023)
Plan administrator: Pentegra Services Inc.
701 Westchester Avenue, Suite 320E
White Plains, NY 10604
(844) 367-2848As filed for 2025
In effect since: January 1, 1992

Plans merged into this one: New York Community Bancorp, Inc. Employee Stock Ownership Plan (2024); Penn Federal Savings Bank 401(k) Employee Stock Ownership Plan (2010); Flagstar Bank 401(k) Plan (2023).

Earlier sponsors: New York Community Bancorp, Inc. (2009–2023); Flagstar Financial, Inc. (2024).

Earlier plan names: New York Community Bancorp, Inc. Employee Savings Plan; Flagstar Financial, Inc. Employee Savings Plan.

Year by year, 2009 to 2025

Plan year	Participants	Net assets	Recordkeeper
2025	9,504	$945 million	Empower
2024	19,816	$918 million	Empower
2023	5,531	$545 million	Pentegra Services
2022	4,787	$374 million	Pentegra Services
2021	5,161	$474 million	Pentegra Services
2020	3,638	$234 million	Pentegra Services
2019	3,630	$210 million	Pentegra Services
2018	3,894	$177 million	Pentegra Services
2017	3,945	$198 million	Pentegra Services
2016	3,986	$192 million	Pentegra Services
2015	3,709	$182 million	Pentegra Services
2014	3,642	$179 million	Pentegra Services
2013	3,532	$178 million	Pentegra Services
2012	3,554	$144 million	Pentegra Services
2011	3,569	$132 million	not listed
2010	3,838	$153 million	not listed
2009	2,565	$119 million	not listed

The Retirement Plan of Flagstar Bank, National Association

Pension (defined benefit), frozenActive

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

Plan number: 005Employer EIN 06-1377322
Participants (2024): 1,914
Net assets (2024): $268 million
Last listed administrator: Pentegra Retirement Services2009–2012
Plan administrator: Pentegra Services, Inc.
701 Westchester Avenue
White Plains, NY 10604
(866) 633-4015As filed for 2024
In effect since: March 1, 1948

Earlier sponsor: New York Community Bancorp, Inc. (2009–2023).

Earlier plan names: The Retirement Plan of New York Community Bancorp, Inc..

Year by year, 2009 to 2024

Plan year	Participants	Net assets	Recordkeeper
2024	1,914	$268 million	not listed
2023	1,960	$255 million	not listed
2022	2,025	$239 million	not listed
2021	2,063	$218 million	not listed
2020	2,105	$277 million	not listed
2019	2,150	$234 million	not listed
2018	2,199	$236 million	not listed
2017	2,386	$230 million	not listed
2016	2,438	$230 million	not listed
2015	2,508	$218 million	not listed
2014	2,538	$212 million	not listed
2013	2,575	$220 million	not listed
2012	2,614	$206 million	Pentegra Retirement Services
2011	2,650	$158 million	Pentegra Retirement Services
2010	2,757	$120 million	Pentegra Retirement Services
2009	2,793	$134 million	Pentegra Retirement Services

New York Community Bancorp, Inc. Employee Stock Ownership Plan

Employee stock ownership plan (ESOP)Merged

Merged. In 2024 its assets moved to the New York Community Bancorp, Inc. Employee Savings Plan, sponsored by Flagstar Bank, National Association (EIN 06-1377322, plan 004). Accounts moved with them, so that plan is the one to contact.

Plan number: 003Employer EIN 06-1377322
Participants (2020): 5,057
Net assets (2020): $173 million
Plan administrator: New York Community Bancorp, Inc.
102 Duffy Avenue
Hicksville, NY 11801
(516) 500-6686As filed for 2024
In effect since: January 1, 1993

Year by year, 2009 to 2024

Plan year	Participants	Net assets	Recordkeeper
2024	0	$0	not listed
2020	5,057	$173 million	not listed
2019	5,207	$195 million	not listed
2018	5,192	$153 million	not listed
2017	5,186	$208 million	not listed
2016	5,065	$252 million	not listed
2015	4,967	$254 million	not listed
2014	4,966	$250 million	not listed
2013	4,830	$259 million	not listed
2012	4,674	$196 million	not listed
2011	4,603	$179 million	not listed
2010	4,292	$269 million	not listed
2009	3,134	$211 million	not listed

Penn Federal Savings Bank 401(k) Employee Stock Ownership Plan

401(k) with ESOPMerged

Merged. In 2010 its assets moved to the New York Community Bancorp, Inc. Employee Savings Plan, sponsored by Flagstar Bank, National Association (EIN 06-1377322, plan 004). Accounts moved with them, so that plan is the one to contact.

Plan number: 015Employer EIN 06-1377322
Plan administrator: New York Community Bancorp, Inc.
1601 Veterans Memorial Highway, Suite 205
Islandia, NY 11749
(631) 650-8773As filed for 2010
In effect since: January 1, 1990

Synergy Financial Group, Inc Employee Stock Ownership Plan

Employee stock ownership plan (ESOP)Closed

Closed. The plan filed its final annual report for 2009, which means its assets were paid out or moved and it no longer exists.

Plan number: 017Employer EIN 06-1377322
Plan administrator: New York Community Bancorp, Inc.
615 Merrick Avenue
Westbury, NY 11590
(631) 650-8773As filed for 2009
In effect since: January 1, 2002

If you had money in one of these plans

Call Empower (empower.com), which runs the Flagstar Bank, National Association Employee 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 ((844) 367-2848). 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.