401(k) · DOL Form 5500 · 2022

Association of American Railroads 401(k) Plan

Data updated 2026-08-25

$123M
Total assets Near avg plan size
606
Participants Below avg headcount
94th
Percentile by assets National rank
$203,066
Avg per participant Above avg balance/head
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Official DOL plan name: Association of American Railroads Incentive Thrift Plan · Sponsored by Association of American Railroads · District of Columbia · Transportation & Warehousing

$123M in assets, 606 participants

Association of American Railroads's Association of American Railroads Incentive Thrift Plan reported $123M in total assets and 606 participants in its 2022 DOL Form 5500 filing, ranking in the 94th percentile by assets among filed plans. Figures are as reported by the plan sponsor to the Department of Labor, not audited or endorsed by PlainRetire.

  • #3,594 in Transportation & Warehousing (3,876 peers)

Coverage in District of Columbia

Association of American Railroads Incentive Thrift Plan covers 606 participants in District of Columbia, about 42% of the average District of Columbia filer (state average ~1,456 per filing). Assets: $123M.

#3,594
in Transportation & Warehousing (3,876 peers)
-16.7%
assets change YoY
1.2×
vs typical plan assets (national mean)

The plan reported a net loss of $25M for the year, a single-year figure driven by markets and benefit payments, not a measure of plan health.

Association of American Railroads Incentive Thrift Plan's outsized position by total assets

Association of American Railroads Incentive Thrift Plan vs every filed plan by assets

End-of-year total assets · plan year 2022 · DOL Form 5500

$123,058,248 Top 6% higher than 94% of 139,123 filed plans

This plan $0 $2,050,000,000 every filed plan with reported assets, bucketed by value

Dashed line + filled bar = this entry, among filed plans.

Source U.S. Department of Labor Form 5500 filings (EBSA) · plan year 2022

Association of American Railroads Incentive Thrift Plan among mid-size filed plans by headcount

Plan-year 2022 Form 5500 filings with a reported participant count, partitioned by headcount band, not by assets. Association of American Railroads Incentive Thrift Plan sits mid-pack in the medium band (606 participants).

Plan-year Form 5500 strip

Filing strip 536000125 · Association of American Railroads PY 2022 · 401(k)

Association of American Railroads Incentive Thrift Plan · $123M · 606 · 94th

  • NET $123M
  • NET 606
  • NET 94th
  • NET 401(k)
  • NET near Amy's Kitchen, Inc. 401(k) Retirement Plan
  • NET ind #3594

Stamps derive from this plan's Form 5500 line items (assets, participants, type, EIN, cohort placement) - not a quality rating of the sponsor. Read with Transportation & Warehousing retirement plans → · Plans in District of Columbia →

Association of American Railroads Incentive Thrift Plan in the asset neighbourhood

Mindray Ds USA, Inc. 401(k) Savings PlanMindray Ds USA, Inc. 401(k) …$123MAssociation of American Railroads Incentive Thrift PlanAssociation of American Rail…$123MAmy's Kitchen, Inc. 401(k) Retirement PlanAmy's Kitchen, Inc. 401(k) R…$123MLvmh Affiliates' 401(k) Plan, Wines & SpiritsLvmh Affiliates' 401(k) Plan…$123MDuke Realty 401(k) Plan$123M
End-of-year total assets ($M) among Association of American Railroads Incentive Thrift Plan and nearest nationwide 401(k) peers. Source: DOL Form 5500 plan year 2022.

District of Columbia filing particulars

Total Assets (Beginning of Year)$148M
Net Assets (End of Year)$123M
Net Income-$25M
Employer EIN536000125
Plan Effective Date1985-01-01
Filing StatusFILING RECEIVED

Sponsor Plan History (Association of American Railroads)

Sponsor-wide plan assets over time

All Association of American Railroads plans reported in each filing year

Latest sponsor-wide plan assets
$215M 6.317133126202087% vs 2022
2024 filing year
$200M$205M$210M$215M$220M 202220232024 $202M $215M ▲ +6.3%
Year Plans Participants Total Assets
2022 2 1,231 $202M
2023 2 1,115 $209M
2024 2 1,116 $215M

Nearby 401(k) Plans in District of Columbia

Peer 401(k) plans, same state, same plan type, ranked by total assets.

Association of American Railroads Incentive Thrift Plan vs. nearby 401(k) plans in District of Columbia, assets vs. participants Scatter plot of 6 data points. -1000001000020000300004000050000 -202468 Total assets ($B) Participants Association of American Railroads Incentive Thrift Plan, Total assets ($B): 0.123058248 · Participants: 606Association of American Railroads Incentive Thrift PlanDanaher Corporation & Subsidiaries Savings Plan, Total assets ($B): 5.87010808 · Participants: 29923Danaher Corporation & Subsidiaries Savings PlanRevised Profit Sharing Plan for Emp. of Geico, Total assets ($B): 5.095464369 · Participants: 41527Revised Profit Sharing Plan for Emp. of GeicoFederal National Mortgage Association Retirement Savings Plan for Employees, Total assets ($B): 3.215368612 · Participants: 7402Federal National Mortgage Association Retirement Savings Plan for EmployeesFinra Savings Plus Plan, Total assets ($B): 1.789959309 · Participants: 3697Finra Savings Plus PlanHogan Lovells US LLP Retirement Savings Plan, Total assets ($B): 1.343084758 · Participants: 1883Hogan Lovells US LLP Retirement Savings Plan
Association of American Railroads Incentive Thrift Plan vs. nearby 401(k) plans in District of Columbia, assets vs. participants
Compare Association of American Railroads Incentive Thrift Plan side-by-side with 3 peers →

Association of American Railroads Incentive Thrift Plan's out-of-state 401(k) peers by assets and headcount

Outside District of Columbia, the nearest 401(k) by assets is Amy's Kitchen, Inc. 401(k) Retirement Plan in CA ($123M); by covered participants it is Lakeland Financial Corporation 401(k) Plan in IN (606 participants). Same-state nearby plans are listed separately above.

Closest by plan assets

Nearest other-state filings by tot_assets_eoy ($123M here).

Similar participant headcount

Nearest other-state filings by covered participants (606 participants); asset peers above are excluded.

DOL Form 5500 plan year 2022. Asset totals can differ widely at the same headcount; neither axis is a quality rating.

Frequently Asked Questions

How did Association of American Railroads Incentive Thrift Plan assets move in 2022? ▼
Association of American Railroads Incentive Thrift Plan declined sharply - down 16.7% during 2022, from $148M to $123M. Reported net income was -$25M.
How have Association of American Railroads plan assets changed over time? ▼
Across 3 plan years on file (2022-2024), Association of American Railroads's sponsor-wide assets grew 6.3%, from $202M to $215M.
Where does Association of American Railroads Incentive Thrift Plan rank by assets among Form 5500 filers? ▼
Association of American Railroads Incentive Thrift Plan ranks in the 94th percentile by end-of-year assets among 139,126 plans that reported assets for plan year 2022 (in the top 10% of all filed plans by assets).
Which 401(k) plans are similar in size to Association of American Railroads Incentive Thrift Plan? ▼
Among 401(k) plans in other states, the closest by assets is Amy's Kitchen, Inc. 401(k) Retirement Plan in CA ($123M, 2,837 participants).
Which 401(k) plans cover a similar participant headcount to Association of American Railroads Incentive Thrift Plan? ▼
Among 401(k) plans in other states, the closest by covered participants is Lakeland Financial Corporation 401(k) Plan in IN (606 participants, $116M in assets).

Source: U.S. Department of Labor, Employee Benefits Security Administration (EBSA), Form 5500 public disclosure dataset. Plan year 2022.

Source: DOL EFAST2 filing system (efast.dol.gov) - original filing retrieval by EIN 536000125.

Read our methodology - how this data is sourced, computed, and verified.

Data sourced from U.S. Department of Labor Form 5500 filings (EBSA). See our methodology for details.