National Railroad Passenger 401(k) and pension plans

National Railroad Passenger Corporation, Washington, DC. EIN 52-0910053. Annual reports 2009–2025.

National Railroad Passenger Corporation has 3 active retirement plans on file. The largest is the Amtrak'S Retirement Savings Plan for Agreement Employees, with 21,374 participants and $1.1 billion in assets in 2025. Fidelity has been its recordkeeper since 2011.

Active plans: 3
Participants: 32,536
Plan assets: $2.5 billion
401(k) recordkeeper: Fidelity
Plans on file: 4
Industry: Transportation and warehousing

All 4 plans

Active plans first

Amtrak'S Retirement Savings Plan for Agreement Employees

401(k)Active

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

Plan number: 003Employer EIN 52-0910053
Participants (2025): 21,374
Net assets (2025): $1.1 billion
Recordkeeper: Fidelity2011–2025
Plan administrator: National Railroad Passenger Corporation
1 Massachusetts Avenue N.W.
Washington, DC 20001
(844) 560-1942As filed for 2025
In effect since: July 1, 1994

Year by year, 2010 to 2025

Plan year	Participants	Net assets	Recordkeeper
2025	21,374	$1.1 billion	Fidelity
2024	21,445	$974 million	Fidelity
2023	21,092	$861 million	Fidelity
2022	19,081	$735 million	Fidelity
2021	17,296	$860 million	Fidelity
2020	17,622	$761 million	Fidelity
2019	18,919	$756 million	Fidelity
2018	19,630	$639 million	Fidelity
2017	18,640	$675 million	Fidelity
2016	20,219	$595 million	Fidelity
2015	19,886	$562 million	Fidelity
2014	20,203	$567 million	Fidelity
2013	17,954	$546 million	Fidelity
2012	17,383	$477 million	Fidelity
2011	17,067	$429 million	Fidelity
2010	17,051	$430 million	not listed

National Railroad Passenger Corporation Savings Plan

401(k)Active

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

Plan number: 333Employer EIN 52-0910053
Participants (2025): 5,308
Net assets (2025): $1.1 billion
Recordkeeper: Fidelity2009–2025
Plan administrator: National Railroad Passenger Corporation
1 Massachusetts Avenue NW
Washington, DC 20001
(844) 560-1942As filed for 2025
In effect since: July 1, 1981

Earlier plan names: National Railroad Passenger Corporation.

Year by year, 2009 to 2025

Plan year	Participants	Net assets	Recordkeeper
2025	5,308	$1.1 billion	Fidelity
2024	5,478	$916 million	Fidelity
2023	5,364	$780 million	Fidelity
2022	4,783	$624 million	Fidelity
2021	4,031	$695 million	Fidelity
2020	3,890	$602 million	Fidelity
2019	4,000	$567 million	Fidelity
2018	4,026	$475 million	Fidelity
2017	3,879	$516 million	Fidelity
2015	3,954	$421 million	Fidelity
2014	4,030	$432 million	Fidelity
2013	3,708	$428 million	Fidelity
2012	3,461	$378 million	Fidelity
2011	3,420	$357 million	Fidelity
2010	3,357	$371 million	Fidelity
2009	3,286	$327 million	Fidelity

Retirement Income Plan for the Employees of National Railroad Passenger Corporation

Pension (defined benefit), frozenActive

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

Plan number: 001Employer EIN 52-0910053
Participants (2024): 5,854
Net assets (2024): $340 million
Plan administrator: Ret. Income Plan Admin. Committee, National Railroad Passenger Corp.
One Massachusetts Avenue, N.W.
Washington, DC 20001
(888) 694-7372As filed for 2024
In effect since: January 1, 1975

Year by year, 2009 to 2024

Plan year	Participants	Net assets	Recordkeeper
2024	5,854	$340 million	not listed
2023	5,954	$363 million	not listed
2022	6,044	$346 million	not listed
2021	6,136	$473 million	not listed
2020	6,245	$489 million	not listed
2019	6,329	$451 million	not listed
2018	6,385	$391 million	not listed
2017	6,473	$445 million	not listed
2016	6,573	$414 million	not listed
2015	7,254	$415 million	not listed
2014	7,297	$428 million	not listed
2013	7,249	$420 million	not listed
2012	7,188	$374 million	not listed
2011	7,070	$314 million	not listed
2010	7,170	$303 million	not listed
2009	6,804	$238 million	not listed

Amtrak'S Retirement Savings Plan for Agreement Employees

401(k)Stopped filing

No annual report since the 2009 plan year, and no final report on record. The plan may have been merged, renamed or re-filed under another number; ask the plan administrator below.

Plan number: 003Employer EIN 52-9010053
Participants (2009): 16,622
Net assets (2009): $374 million
Recordkeeper: Fidelity2009
Plan administrator: National Railroad Passenger Corporation
60 Massachusetts Avenue Ne
Washington, DC 20002
(202) 906-2272As filed for 2009
In effect since: July 1, 1994

If you had money in one of these plans

Call Fidelity (fidelity.com), which runs the Amtrak'S Retirement Savings Plan for Agreement Employees. 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) 560-1942). That number was filed for 2025; ask for the benefits or retirement plan office.
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.

All 4 plans

Amtrak'S Retirement Savings Plan for Agreement Employees

National Railroad Passenger Corporation Savings Plan

Retirement Income Plan for the Employees of National Railroad Passenger Corporation

Amtrak'S Retirement Savings Plan for Agreement Employees

If you had money in one of these plans

What these numbers are

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