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Original filing (PDF)20251010095105NAL0012765568001
CAPITAL ONE FINANCIAL CORPORATION
Form 5500
FILING_RECEIVED
CAPITAL ONE FINANCIAL CORPORATION CASH BALANCE PENSION PLAN
Defined-benefit pension plan
Signals · 2
48% in single holdingNo recordkeeper disclosed
Active participants
498
Accounts w/ balance
—
Plan assets (EOY)
$246.7M
Net assets (EOY)
$246.7M
How this plan invests
This plan
9 pooled trusts
Schedule D
10 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
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
76
Total plan cost
65
Vendor stack
55
Participation health
100
Knocking points off
- Top holding "Mercer Active Intermed Credit Fixed Income 11,198,947 units" is 48% of plan.
- 37 bps in Schedule C fees — 267% above peer band of 10 bps.
- No recordkeeper disclosed on Schedule C.
- Plan is frozen (1I) — no new benefit accrual.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for CAPITAL ONE FINANCIAL CORPORATION.
Plan sponsor
Name
CAPITAL ONE FINANCIAL CORPORATION
EIN
54-1719854
Address
1680 CAPITAL ONE DRIVE · MCLEAN, VA · 221023491
Phone
(804) 284-6600
Industry
Management of Companies / Holdingssee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
001
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-10
Pension benefit codes
1A · Pay-related DB formula
1C · Cash balance or similar hybrid DB
1E · Section 401(h) arrangement
1I · Frozen plan — no new benefit accrual
Audit & trust (Schedule H)
Auditor
ERNST & YOUNG
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsTrustee
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| STATE STREET GLOBAL ADVISORS | 04-1867445 | — | TRUSTEE | $75K | — |
Other
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MERCER | 13-2834414 | — | NONE | $468K | — |
| MERCER INVESTMENTS LLC | 30-0282430 | — | FIDUCIARY | $362K | — |
Investments
10 direct securities · 9 pooled funds· $485.9M(100% 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.
Common Collective Trust
$245.2M
9 holdings
Uncategorized
$240.8M
10 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| MERCER ACTIVE INTERMED CREDIT FIXED MERCER TRUST COMPANY · EIN 85-2621954 / PN 048 | Common Collective Trust | — | — | $118.4M | 48.0% | |
| Mercer Active Intermed Credit Fixed Income 11,198,947 units | — | — | $111.4M | $115.6M | 46.9% | |
| INTERMEDIATE US GOVT BOND INDX STATE STREET GLOBAL ADVISORS · EIN 90-0337987 / PN 209 | Common Collective Trust | — | — | $41.3M | 16.8% | |
| SSgA Intermediate US Govt Bond Index 3,098,152 units | — | — | $39.1M | $40.3M | 16.3% | |
| MERCER US LARGE CAP CORE PASSIVE EQ MERCER TRUST COMPANY · EIN 03-0566613 / PN 005 | Common Collective Trust | — | — | $38.1M | 15.4% | |
| Mercer US Large CAP Passive Equity 531,496 units | — | — | $21.9M | $37.1M | 15.1% | |
| MERCER NON-US CORE EQUITY MERCER TRUST COMPANY · EIN 03-0566617 / PN 009 | Common Collective Trust | — | — | $17.4M | 7.1% | |
| Mercer Non US Core Equity . 626,802 units | — | — | $11.7M | $17.0M | 6.9% | |
| MERCER OPPORTUNISTIC FIXED INCOME MERCER TRUST COMPANY · EIN 36-7630030 / PN 020 | Common Collective Trust | — | — | $8.1M | 3.3% | |
| Mercer Opportunistic Fixed Income . 647,112 units | — | — | $7.0M | $7.9M | 3.2% | |
| MERCER EMERGING MARKETS EQUITY MERCER TRUST COMPANY · EIN 32-6219484 / PN 017 | Common Collective Trust | — | — | $7.7M | 3.1% | |
| Mercer Emerging Markets Equity . 619,008 units | — | — | $6.8M | $7.5M | 3.0% | |
| MERCER US SMALL/MID CAP EQUITY MERCER TRUST COMPANY · EIN 03-0566611 / PN 003 | Common Collective Trust | — | — | $6.0M | 2.4% | |
| Mercer US Small/MID Cap Core Equity 120,037 units | — | — | $3.6M | $5.9M | 2.4% | |
| MERCER ACTIVE LONG CORPORATE FIXED MERCER TRUST COMPANY · EIN 45-6178743 / PN 004 | Common Collective Trust | — | — | $5.2M | 2.1% | |
| Mercer Active Long Corporate . 289,062 units | — | — | $4.6M | $5.1M | 2.1% | |
| MERCER GLOBAL LOW VOLATILITY EQUITY MERCER TRUST COMPANY · EIN 35-7004395 / PN 018 | Common Collective Trust | — | — | $3.0M | 1.2% | |
| Mercer Global Low Volatility Index . 94,883 units | — | — | $1.9M | $2.9M | 1.2% | |
| Money market fund . 1,467,870 units | — | — | $1.5M | $1.5M | 0.6% |