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Original filing (PDF)20250626082841NAL0012526608001
AMERICAN EXPRESS COMPANY AND ITS PARTICIPATING SUBSIDIARIES
Form 5500
FILING_RECEIVED
AMERICAN EXPRESS RETIREMENT PLAN
Defined-benefit pension plan
Signals · 2
No recordkeeper disclosed15 service providers
Active participants
3,334
Accounts w/ balance
0
Plan assets (EOY)
$1.2B
Net assets (EOY)
$1.1B
How this plan invests
This plan
4 collective trusts
Schedule D
Individual securities
on each trust's filing
This plan doesn't hold securities directly — it invests through trusts. Click a trust below to drill into its securities.
Plan health score (directional)
82
/ 100
Grade B
Above-average plan
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
100
Concentration risk
75
Total plan cost
65
Vendor stack
55
Participation health
100
Knocking points off
- 27 bps in Schedule C fees — 448% above peer band of 5 bps.
- No recordkeeper disclosed on Schedule C.
- Plan is frozen (1I) — no new benefit accrual.
Helping the score
- Concentration not scored — Schedule of Assets PDF not yet parsed for this plan.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for AMERICAN EXPRESS COMPANY AND ITS PARTICIPATING SUBSIDIARIES.
Plan sponsor
Name
AMERICAN EXPRESS COMPANY AND ITS PARTICIPATING SUBSIDIARIES
EIN
13-4922250
Address
200 VESEY ST 01-35-03 · NEW YORK, NY · 10285
Phone
(212) 640-2000
Industry
Finance & Insurancesee all
Plan administrator
Name
EMPLOYEE BENEFITS ADMINISTRATION COMMITTEE
EIN
38-4048361
City
NEW YORK, NY
Phone
(212) 225-4666
Plan characteristics
Plan number
005
Plan year
2023
Plan year begin
2023-10-01
Tax period
2024-09-30
Filed
2025-06-26
Pension benefit codes
1C · Cash balance or similar hybrid DB
1I · Frozen plan — no new benefit accrual
3F · Sponsor used leased employees
3H · Sponsor in controlled / affiliated group
3J · U.S. plan covering Puerto Rico residents
Audit & trust (Schedule H)
Auditor
MCCONNELL & JONES LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
15 rowsOther
15| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PACIFIC INVESTMENT MANAGEMENT CO. | 33-0629048 | — | SERVICE PROVIDER | $450K | — |
| HARRISON STREET | 80-0762141 | — | SERVICE PROVIDER | $362K | — |
| WILLIS TOWERS WATSON US LLC | 53-0181291 | — | SERVICE PROVIDER | $347K | — |
| LINDSELL TRAIN | 35-2496423 | — | SERVICE PROVIDER | $331K | — |
| PRINCIPAL | 42-0127290 | — | SERVICE PROVIDER | $321K | — |
| ABS ALLEGIANCE | 27-0185492 | — | SERVICE PROVIDER | $265K | — |
| TOWERS WATSON INVESTMENT SERVICES | 52-1868818 | — | SERVICE PROVIDER | $250K | — |
| LEGAL & GENERAL INVEST MGMT AMERICA | 20-8058531 | — | SERVICE PROVIDER | $242K | — |
| CONDUENT HUMAN RESOURCES SVCS LLC | 20-2185976 | — | SERVICE PROVIDER | $238K | — |
| METLIFE INVESTMENT MGMT LLC | 82-2405817 | — | SERVICE PROVIDER | $145K | — |
| BLACKROCK INSTITUTIONAL TRUST CO | 45-1743707 | — | SERVICE PROVIDER | $81K | — |
| AMERICAN EXPRESS COMPANY | 13-4922250 | — | PLAN SPONSOR | $52K | — |
| FIAM | 04-3532603 | — | SERVICE PROVIDER | $51K | — |
| RSM LLP | 42-0714325 | — | SERVICE PROVIDER | $21K | — |
| BLACKROCK INSTITUTIONAL TRUST CO | 27-3227381 | — | SERVICE PROVIDER | $12K | — |
Investments
4 pooled funds· $287.8M(25% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Click one to drill into its own Schedule of Assets — where the individual funds, shares, and CUSIPs live.
| Investment | Type | Current value | % of plan |
|---|---|---|---|
| BLACKROCK MSCI ACWI EQ IDX BLACKROCK INST. TRUST CO. N.A. · EIN 45-1743707 / PN 001 | Common Collective Trust | $161.1M | 13.9% |
| GQG PARTNERS GLOBAL EQ CIT GQG PARTNERS LLC · EIN 58-1428634 / PN 001 | Common Collective Trust | $50.9M | 4.4% |
| SUSTAINABLE GROWTH ADV GLOBAL CIT SUSTAINABLE GROWTH ADVISERS · EIN 26-3962811 / PN 001 | Common Collective Trust | $47.6M | 4.1% |
| BLACKROCK US STRIPS 20+ YR BD IDX BLACKROCK INST. TRUST CO. N.A. · EIN 27-3227381 / PN 001 | Common Collective Trust | $28.2M | 2.4% |