Association of American Railroads 401(k) match, vesting and fees
What Association of American Railroads' 401(k) plan says about matching contributions
Plan features
Match, vesting and enrollment details have not been published from this plan's audit report yet. The figures below come from the structured filing.
| Recordkeeper | Empower Annuity Insurance Company | Schedule C ↗ |
| Independent auditor | Uhy LLP (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | 401(k) · Active | Form 5500 ↗ |
| Late participant contributions | Reported on the filing | Schedule H ↗ |
How the plan compares
Plan year 2024 medians for 246 defined-contribution plans in transportation and warehousing with 500 to 999 participants.
| Association of American Railroads: employer contribution per participant | $2,296 | |
| Peer median | $1,244 |
| Association of American Railroads: average balance | $160,747 | |
| Peer median | $40,518 |
| Association of American Railroads: admin expenses ÷ assets | 0.20% | |
| Peer median | 0.37% |
Admin expenses are the plan's reported administrative expenses divided by its assets; they do not include fund expense ratios.
Plan history
Plan assets went from $148M at the end of plan year 2021 to $136M at the end of plan year 2024.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2024 | 908 | $136M | $1.9M | $2,296 | 0.20% | Not published | Form 5500 ↗ |
| 2023 | 893 | $129M | $1.8M | $2,172 | 0.21% | Not published | Form 5500 ↗ |
| 2022 | 887 | $123M | $1.8M | $2,126 | 0.22% | Not published | Form 5500 ↗ |
| 2021 | 894 | $148M | $1.8M | $2,137 | 0.24% | Not published | Form 5500 ↗ |
Other Association of American Railroads plans (1)
Each plan files its own Form 5500. Figures are from each plan's latest filing.
Association of American Railroads Pension Plan
Plan features
Match, vesting and enrollment details have not been published from this plan's audit report yet. The figures below come from the structured filing.
| Independent auditor | Uhy LLP (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | Pension (defined benefit) · Frozen | Form 5500 ↗ |
Common questions
Does Association of American Railroads match 401(k) contributions?
The match terms for the Association of American Railroads Incentive Thrift Plan have not been published from its filing yet. The plan year 2024 filing reports $1.9M in employer contributions, about $2,296 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the Association of American Railroads 401(k) match vested?
The vesting schedule for the Association of American Railroads Incentive Thrift Plan is not in the data published so far. Your Summary Plan Description states it.
Who manages the Association of American Railroads 401(k)?
The recordkeeper listed on Schedule C of the plan year 2024 filing is Empower Annuity Insurance Company. The plan administrator is Association of American Railroads.
I left Association of American Railroads. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (Association of American Railroads, (202) 639-2100) or the recordkeeper, Empower Annuity Insurance Company. The Association of American Railroads old 401(k) page lists the contacts from every plan filing. Find an old Association of American Railroads 401(k)
Data from the public Form 5500 annual reports Association of American Railroads filed with the U.S. Department of Labor (plan years 2021 and 2022 and 2023 and 2024) and, where noted, the attached independent auditor's report. Plan terms may have changed since the filing; check your current Summary Plan Description. PlanFacts is not affiliated with Association of American Railroads. Not financial advice. Report a correction · Methodology