401(k) · DOL Form 5500 · 2023

National Railroad Passenger Corporation 401(k) Plan

Data updated 2026-08-25

$861M
Total assets Above avg plan size
17,940
Participants Very large workforce
98th
Percentile by assets National rank
$47,990
Avg per participant Low balance/head
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Official DOL plan name: Amtrak's Retirement Savings Plan for Agreement Employees · Sponsored by National Railroad Passenger Corporation · District of Columbia · Transportation & Warehousing

$861M in assets, 17,940 participants

National Railroad Passenger Corporation's Amtrak's Retirement Savings Plan for Agreement Employees reported $861M in total assets and 17,940 participants in its 2023 DOL Form 5500 filing, ranking in the 98th 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.

  • #3,276 in Transportation & Warehousing (3,362 peers)

Coverage in District of Columbia

Amtrak's Retirement Savings Plan for Agreement Employees covers 17,940 participants in District of Columbia, 12x the typical District of Columbia plan (state average ~1,456 per filing). Assets: $861M.

#3,276
in Transportation & Warehousing (3,362 peers)
+17.2%
assets growth YoY
8.6×
vs typical plan assets (national mean)

Amtrak's Retirement Savings Plan for Agreement Employees's outsized position by total assets

Amtrak's Retirement Savings Plan for Agreement Employees vs every filed plan by assets

End-of-year total assets · plan year 2023 · DOL Form 5500

$860,938,458 Top 2% higher than 98% of 127,068 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 2023

Amtrak's Retirement Savings Plan for Agreement Employees's mega-plan peer group by participant headcount

Plan-year 2023 Form 5500 filings with a reported participant count, partitioned by headcount band, not by assets. Amtrak's Retirement Savings Plan for Agreement Employees is a mega filing (17,940 participants), the rightmost band on the breakdown.

What changed between DOL Form 5500 filings

plan year 2022 → plan year 2023

  • Amtrak's Retirement Savings Plan for Agreement Employees reported net income rose from -$125M in the plan year 2022 filing to $126M in the plan year 2023 filing.
  • Amtrak's Retirement Savings Plan for Agreement Employees end-of-year assets rose from $735M in the plan year 2022 filing to $861M in the plan year 2023 filing.
  • Amtrak's Retirement Savings Plan for Agreement Employees reported participants rose from 16,205 in the plan year 2022 filing to 17,940 in the plan year 2023 filing.

See the national 2022→2023 release diff →

Form 5500 schedule snapshot

Filing strip 520910053 · National Railroad Passenger Corporation PY 2023 · 401(k)

Amtrak's Retirement Savings Plan for Agreement Employees · $861M · 17,940 · 98th

  • BOOK $861M
  • VS-ST 17,940
  • BOY 98th
  • SCH 401(k)
  • EBSA near Tufts Medicine, Inc. 403(b) Retirement Plan
  • PART ind #3276

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 →

Amtrak's Retirement Savings Plan for Agreement Employees in the asset neighbourhood

Lithia Motors, Inc. 401(k) PlanLithia Motors, Inc. 401(k) P…$862MStop & Shop Supermarket Company 401(k) PlanStop & Shop Supermarket Comp…$862MTufts Medicine, Inc. 403(b) Retirement PlanTufts Medicine, Inc. 403(b) …$862MAmtrak's Retirement Savings Plan for Agreement EmployeesAmtrak's Retirement Savings …$861MChurch & Dwight Co. , Inc. Savings and Profit Sharing Plan for Salaried EmployeesChurch & Dwight Co. , Inc. S…$860M
End-of-year total assets ($M) among Amtrak's Retirement Savings Plan for Agreement Employees and nearest nationwide 401(k) peers. Source: DOL Form 5500 plan year 2023.

District of Columbia filing particulars

Total Assets (Beginning of Year)$735M
Net Assets (End of Year)$861M
Net Income$126M
Employer EIN520910053
Plan Effective Date1994-07-01
Filing StatusFILING RECEIVED

Sponsor Plan History (National Railroad Passenger Corporation)

Sponsor-wide plan assets over time

All National Railroad Passenger Corporation plans reported in each filing year

Latest sponsor-wide plan assets
$2.2B 30.75188294701281% vs 2022
2024 filing year
$1.6B$1.8B$2B$2.2B$2.4B 202220232024 $1.71B $2.23B ▲ +30.4%
Year Plans Participants Total Assets
2022 3 20,582 $1.7B
2023 3 23,003 $2.0B
2024 3 25,135 $2.2B

Nearby 401(k) Plans in District of Columbia

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

Amtrak's Retirement Savings Plan for Agreement Employees vs. nearby 401(k) plans in District of Columbia, assets vs. participants Scatter plot of 6 data points. 01000020000300004000050000 02468 Total assets ($B) Participants Amtrak's Retirement Savings Plan for Agreement Employees, Total assets ($B): 0.860938458 · Participants: 17940Amtrak's Retirement Savings Plan for Agreement EmployeesDanaher Corporation & Subsidiaries Savings Plan, Total assets ($B): 5.808883656 · Participants: 29441Danaher Corporation & Subsidiaries Savings PlanGeico 401(k) Savings Plan, Total assets ($B): 5.758063779 · Participants: 39034Geico 401(k) Savings PlanFederal National Mortgage Association Retirement Savings Plan for Employees, Total assets ($B): 3.918113552 · Participants: 8044Federal National Mortgage Association Retirement Savings Plan for EmployeesFinra Savings Plus Plan, Total assets ($B): 2.182175101 · Participants: 3958Finra Savings Plus PlanHogan Lovells US LLP Retirement Savings Plan, Total assets ($B): 1.63036822 · Participants: 1870Hogan Lovells US LLP Retirement Savings Plan
Amtrak's Retirement Savings Plan for Agreement Employees vs. nearby 401(k) plans in District of Columbia, assets vs. participants
Compare Amtrak's Retirement Savings Plan for Agreement Employees side-by-side with 3 peers →

Scale composition for Amtrak's Retirement Savings Plan for Agreement Employees

Amtrak's Retirement Savings Plan for Agreement Employees reports $861M in end-of-year assets across 17,940 participants (0.007% of the $12.3T held by all Form 5500 filers in the national rollup , and 0.019% of 93,925,755 covered participants) - about $47,990 per participant (35% of the national average assets-per-participant) . Net income for plan year 2023 was $126M.

This plan identity (EIN 520910053, plan #003) has 3 Form 5500 filings on file from 2022 to 2024 , with end-of-year assets moving from $735M to $974M (+32.5%) while covered participants moved from 16,205 to 19,587 . Single-year sparse filers cannot show that trail.

Plan year Participants EOY assets Filing
2022 16,205 $735M Open filing
2023 17,940 $861M This page
2024 · index core 19,587 $974M Open filing

The same sponsor also keeps 3 other index-core plans on PlainRetire:

Amtrak's Retirement Savings Plan for Agreement Employees's out-of-state 401(k) peers by assets and headcount

Outside District of Columbia, the nearest 401(k) by assets is Tufts Medicine, Inc. 403(b) Retirement Plan in MA ($862M); by covered participants it is Promedica Health System, Inc. 401(k) Plan in OH (17,938 participants). Same-state nearby plans are listed separately above.

Similar participant headcount

Nearest other-state filings by covered participants (17,940 participants); asset peers above are excluded.

DOL Form 5500 plan year 2023. Asset totals can differ widely at the same headcount; neither axis is a quality rating.

Frequently Asked Questions

How did Amtrak's Retirement Savings Plan for Agreement Employees assets move in 2023? ▼
Amtrak's Retirement Savings Plan for Agreement Employees grew sharply - up 17.2% during 2023, from $735M to $861M. Reported net income was $126M.
How have National Railroad Passenger Corporation plan assets changed over time? ▼
Across 3 plan years on file (2022-2024), National Railroad Passenger Corporation's sponsor-wide assets grew 30.8%, from $1.7B to $2.2B.
Where does Amtrak's Retirement Savings Plan for Agreement Employees rank by assets among Form 5500 filers? ▼
Amtrak's Retirement Savings Plan for Agreement Employees ranks in the 98th percentile by end-of-year assets among 127,072 plans that reported assets for plan year 2023 (in the top 5% of all filed plans by assets).
Which 401(k) plans are similar in size to Amtrak's Retirement Savings Plan for Agreement Employees? ▼
Among 401(k) plans in other states, the closest by assets is Tufts Medicine, Inc. 403(b) Retirement Plan in MA ($862M, 1,178 participants).
Which 401(k) plans cover a similar participant headcount to Amtrak's Retirement Savings Plan for Agreement Employees? ▼
Among 401(k) plans in other states, the closest by covered participants is Promedica Health System, Inc. 401(k) Plan in OH (17,938 participants, $1.2B in assets).

Source: U.S. Department of Labor, Employee Benefits Security Administration (EBSA), Form 5500 public disclosure dataset. Plan year 2023.

Source: DOL EFAST2 filing system (efast.dol.gov) - original filing retrieval by EIN 520910053.

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.