American Express Company And Its Participating Subsidiaries 401(k) Plan: Login, Facts & Contact Information

American Express Company And Its Participating Subsidiaries 401(k) Plan Facts

Plan name
AMERICAN EXPRESS RETIREMENT SAVINGS PLAN
Plan type
401(k) with employer contributions and profit sharing with a company-stock (ESOP) component
Plan sponsor
AMERICAN EXPRESS COMPANY AND ITS PARTICIPATING SUBSIDIARIES
Participants
38,796 (25,049 active employees)
Former employees with a balance
13,649
Plan assets
$9,068,227,739 at Dec 31, 2024
Average account balance
$237,793 across 38,135 accounts
Employer contributions
$268,070,180 in plan year 2024 (44% of all contributions)
Recordkeeper
Principal Life Insurance Company
Plan year
Jan 1, 2024 – Dec 31, 2024
Plan established
Jun 11, 1973
✓ Employer contributions✓ Automatic enrollment✓ Default investment for undecided participants✓ Participants choose their own investments✓ Self-directed brokerage window✓ Profit sharing✓ Company stock (ESOP)

Source: Form 5500 for plan year 2024 (Jan 1, 2024 – Dec 31, 2024), filed Jun 26, 2025. Public filing with the U.S. Department of Labor.

Money in and out in plan year 2024

  • $615.7 million went into the plan in contributions, $268.1 million of it from the employer (44%).
  • $732.2 million was paid out to participants.
  • Investment and other income added $1.33 billion.
  • Administrative expenses were $13.8 million, about $363 per account.

How the American Express Company And Its Participating Subsidiaries 401(k) changed, 2019–2024

Plan yearParticipantsPlan assetsEmployer contributionsBenefits paid
201934,490$6.24 billion$194.0 million$423.4 million
202035,790$7.14 billion$189.9 million$505.3 million
202135,141$7.82 billion$186.2 million$751.7 million
202235,161$6.54 billion$218.8 million$506.3 million
202339,869$7.89 billion$265.0 million$459.3 million
202438,796$9.07 billion$268.1 million$732.2 million

American Express Company And Its Participating Subsidiaries 401(k) Contact Information

Phone
212-640-2000
Mailing address
200 VESEY STREET 01-35-03, NEW YORK NY 10285
Plan sponsor
AMERICAN EXPRESS COMPANY AND ITS PARTICIPATING SUBSIDIARIES
Plan administrator
EMPLOYEE BENEFITS ADMINISTRATION COMMITTEE
Employer identification number (EIN)
13-4922250
Plan number
002

Questions about the American Express Company And Its Participating Subsidiaries 401(k)

Does American Express Company And Its Participating Subsidiaries contribute to the 401(k)?

Yes. The plan reports an employer contribution arrangement. In plan year 2024 the employer contributed $268.1 million, 44% of all contributions.

Does the American Express Company And Its Participating Subsidiaries 401(k) have automatic enrollment?

Yes. The plan reports automatic enrollment of eligible employees.

How many people are in the American Express Company And Its Participating Subsidiaries 401(k) plan?

38,796 participants at the start of plan year 2024, 25,049 of them active employees, and 13,649 former employees who still had money in the plan.

What is the average 401(k) balance at American Express Company And Its Participating Subsidiaries?

About $237,793 per account: $9.07 billion in plan assets across 38,135 accounts with a balance at the end of plan year 2024.

Who manages the American Express Company And Its Participating Subsidiaries 401(k) accounts?

Principal (listed on the filing as PRINCIPAL LIFE INSURANCE COMPANY) is the plan's recordkeeper, which is where participants log in to see their balance.

I no longer work at American Express Company And Its Participating Subsidiaries. How do I access my 401(k)?

Your account stays with Principal after you leave, so you can log in with the same credentials. If your balance was small, the plan may have rolled it into an IRA in your name. If you can't find it, Beagle can locate it for you.

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