International Business Machines 401(k) and pension plans

International Business Machines Corporation, Armonk, NY. EIN 13-0871985. Annual reports 2009–2025.

International Business Machines Corporation has 3 active retirement plans on file. The largest is the IBM Personal Pension Plan, with 146,564 participants and $18.1 billion in assets in 2025. Fidelity has been its administrator since 2021.

Active plans: 3
Participants: 291,466
Plan assets: $81.4 billion
401(k) recordkeeper: Fidelity
Plans on file: 3
Industry: Professional services

All 3 plans

Active plans first

IBM Personal Pension Plan

Cash balance pensionActive

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

Plan number: 001Employer EIN 13-0871985
Participants (2025): 146,564
Net assets (2025): $18.1 billion
Administered by: FidelityEarlier: BlackRock Financial Management (2019–2020), BNY Mellon (2009–2018)
Plan administrator: International Business Machines Corporation
1 North Castle Drive
Armonk, NY 10504
(866) 937-0720As filed for 2025
In effect since: September 1, 1945

Year by year, 2009 to 2025

Plan year	Participants	Net assets	Recordkeeper
2025	146,564	$18.1 billion	Fidelity
2024	144,666	$17.6 billion	Fidelity
2023	140,566	$24.5 billion	Fidelity
2022	144,002	$25.2 billion	Fidelity
2021	250,506	$51.9 billion	Fidelity
2020	257,221	$54.5 billion	BlackRock Financial Management
2019	263,841	$51.8 billion	BlackRock Financial Management
2018	269,426	$48.2 billion	BNY Mellon
2017	275,587	$52.8 billion	BNY Mellon
2016	281,793	$51.5 billion	BNY Mellon
2015	287,809	$51.7 billion	BNY Mellon
2014	294,925	$55.8 billion	BNY Mellon
2013	301,331	$54.1 billion	BNY Mellon
2012	306,725	$53.7 billion	BNY Mellon
2011	312,090	$51.3 billion	BNY Mellon
2010	317,217	$50.3 billion	BNY Mellon
2009	322,260	$47.3 billion	BNY Mellon

IBM 401(k) Plan

401(k) with ESOPActive

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

Plan number: 005Employer EIN 13-0871985
Participants (2025): 144,897
Net assets (2025): $63.3 billion
Recordkeeper: Fidelity2009–2024
Plan administrator: International Business Machines Corporation
One New Orchard Road, MD 261
Armonk, NY 10504
(800) 796-9876As filed for 2025
In effect since: July 1, 1983

Plans merged into this one: Truven Health Analytics, Inc. 401(k) Savings Plan (2017); Kenexa Technology, Inc. 401(k) Retirement Plan (2013); Sterling Commerce, Inc. Savings and Security Plan (2010); Hashicorp Inc. 401(k) Profit Sharing Plan and Trust (2025); Taos Mountain, LLC 401K Profit Sharing Plan (2022); Merge Healthcare Incorporated 401K Retirement Plan (2016).

Earlier plan names: IBM 401(k) Plus Plan.

Year by year, 2009 to 2025

Plan year	Participants	Net assets	Recordkeeper
2025	144,897	$63.3 billion	not listed
2024	149,818	$59.4 billion	Fidelity
2023	156,865	$56.4 billion	Fidelity
2022	164,744	$51.7 billion	Fidelity
2021	168,665	$65.9 billion	Fidelity
2020	172,646	$61.6 billion	Fidelity
2019	179,859	$56.6 billion	Fidelity
2018	183,694	$48.8 billion	Fidelity
2017	188,541	$53.7 billion	Fidelity
2016	189,179	$48.4 billion	Fidelity
2015	190,777	$45.9 billion	Fidelity
2014	195,209	$48.0 billion	Fidelity
2013	200,504	$46.6 billion	Fidelity
2012	201,412	$41.6 billion	Fidelity
2011	203,888	$37.4 billion	Fidelity
2010	207,714	$36.0 billion	Fidelity
2009	209,610	$31.5 billion	Fidelity

The IBM Secured Benefit Arrangement

Profit-sharing planActive

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

Plan number: 006Employer EIN 13-0871985
Participants (2025): 5
Net assets (2025): $238,858
Plan administrator: International Business Machines Corporation
1 North Castle Drive
Armonk, NY 10504
(866) 937-0720As filed for 2025
In effect since: August 12, 1994

Year by year, 2009 to 2025

Plan year	Participants	Net assets	Recordkeeper
2025	5	$238,858	not listed
2024	5	$229,046	not listed
2023	7	$234,702	not listed
2022	7	$326,445	not listed
2021	7	$316,439	not listed
2020	7	$307,611	not listed
2019	7	$299,029	not listed
2018	8	$412,249	not listed
2017	8	$403,493	not listed
2016	12	$706,007	not listed
2015	13	$816,145	not listed
2014	17	$1.2 million	not listed
2013	19	$1.2 million	not listed
2012	19	$1.1 million	not listed
2011	21	$1.2 million	not listed
2010	22	$383,792	not listed
2009	28	$1.5 million	not listed

If you had money in one of these plans

Call Fidelity (fidelity.com), which runs the IBM 401(k) 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 ((866) 937-0720). That number was filed for 2025; 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 3 plans

IBM Personal Pension Plan

IBM 401(k) Plan

The IBM Secured Benefit Arrangement

If you had money in one of these plans

What these numbers are

Other professional services employers in NY