Capitol Federal Financial, Inc 401(k) Plan: Login, Facts & Contact Information

Capitol Federal Financial, Inc 401(k) Plan Facts

Plan name
CAPITOL FEDERAL 401(K) PLAN
Plan type
401(k) with employer contributions and profit sharing
Plan sponsor
CAPITOL FEDERAL FINANCIAL, INC.
Participants
789 (617 active employees)
Former employees with a balance
241
Plan assets
$35,310,854 at Sep 30, 2025
Average account balance
$42,238 across 836 accounts
Employer contributions
$303,166 in plan year 2024 (8% of all contributions)
Recordkeeper
Oneamerica Retirement Services Llc
Plan year
Oct 1, 2024 – Sep 30, 2025
Plan established
Dec 1, 1969
✓ 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 (Oct 1, 2024 – Sep 30, 2025), filed Jul 14, 2026. Public filing with the U.S. Department of Labor.

Money in and out in plan year 2024

  • $3.80 million went into the plan in contributions, $303,166 of it from the employer (8%).
  • $2.65 million was paid out to participants.
  • Investment and other income added $3.30 million.
  • Administrative expenses were $144,285, about $173 per account.

How the Capitol Federal Financial, Inc 401(k) changed, 2019–2024

Plan yearParticipantsPlan assetsEmployer contributionsBenefits paid
2019727$24.9 million$233,296$2.08 million
2020849$30.5 million$243,982$1.57 million
2021831$26.0 million$238,502$2.59 million
2022777$28.7 million$238,385$3.68 million
2023729$31.0 million$240,599$6.78 million
2024789$35.3 million$303,166$2.65 million

Capitol Federal Financial, Inc 401(k) Contact Information

Phone
785-270-6084
Mailing address
700 SOUTH KANSAS AVE, TOPEKA KS 66603
Plan sponsor
CAPITOL FEDERAL FINANCIAL, INC.
Employer identification number (EIN)
27-2631712
Plan number
002

Questions about the Capitol Federal Financial, Inc 401(k)

Does Capitol Federal Financial, Inc contribute to the 401(k)?

Yes. The plan reports an employer contribution arrangement. In plan year 2024 the employer contributed $303,166, 8% of all contributions.

Does the Capitol Federal Financial, Inc 401(k) have automatic enrollment?

Yes. The plan reports automatic enrollment of eligible employees.

How many people are in the Capitol Federal Financial, Inc 401(k) plan?

789 participants at the start of plan year 2024, 617 of them active employees, and 241 former employees who still had money in the plan.

What is the average 401(k) balance at Capitol Federal Financial, Inc?

About $42,238 per account: $35.3 million in plan assets across 836 accounts with a balance at the end of plan year 2024.

Who manages the Capitol Federal Financial, Inc 401(k) accounts?

OneAmerica Financial (listed on the filing as ONEAMERICA RETIREMENT SERVICES LLC) is the plan's recordkeeper, which is where participants log in to see their balance.

I no longer work at Capitol Federal Financial, Inc. How do I access my 401(k)?

Your account stays with OneAmerica Financial 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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