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Original filing (PDF)20251008083603NAL0005569969001

CSX CORPORATION

Form 5500
FILING_RECEIVED
CSX CORPORATION 401(K) PLAN
401(k) retirement plan
Signals · 2
No recordkeeper disclosed11 service providers
Active participants
3,385
Accounts w/ balance
5,519
Plan assets (EOY)
$1.5B
Net assets (EOY)
$1.5B
How this plan invests
This plan
1 pooled trust
Schedule D
784 securities
funds · stocks · CUSIPs

Holdings are itemized directly on this plan's Schedule of Assets, below.

Plan health score (directional)
89
/ 100
Grade A
Top-tier plan health
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
100
Concentration risk
100
Total plan cost
65
Vendor stack
80
Participation health
100
Knocking points off
  • 8 bps in Schedule C fees — 51% above peer band of 5 bps.
  • No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for CSX CORPORATION.
Plan sponsor
Name
CSX CORPORATION
EIN
62-1051971
Address
500 WATER STREET - J370 · JACKSONVILLE, FL · 32202
Phone
(904) 359-3460
Industry
Transportation & Warehousingsee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
003
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-08
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2O · ESOP (non-leveraged)
2S · Automatic enrollment
3H · Sponsor in controlled / affiliated group
3I · Requires investment in employer securities
3J · U.S. plan covering Puerto Rico residents
Audit & trust (Schedule H)
Auditor
ERNEST AND YOUNG
Trustee / custodian
Trustee phone

Service providers (Schedule C)

11 rows
Other
11
NameEINLocationRelationDirect compIndirect comp
EMPOWER ADVISORY GROUP, LLC84-1532243NONE$574K
NORTHERN TRUST COMPANY36-1561860NONE$287K
EMPOWER ANNUITY INSURANCE COMPANY84-0467907NONE$231K
ERNST & YOUNG34-6565596NONE$63K
QDRO CONSULTANTS COMPANY, LLCMEDINA, OHNONE$6K
LOOMIS SAYLES & COMPANY04-3200030NONE$0
DODGE & COX94-1441976NONE$0
MORGAN STANLEY INVESTMEMENT MANAGEM04-6956300NONE$0
WELLINGTON MANAGEMENT CO. LLP04-2683227NONE$0
HOLLAND & KNIGHT59-0663819NONE$0
JONES DAY REAVIS & POGUE34-0319085NONE$0

Investments

774 direct securities · 1 pooled fund· $3.0B(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.

Master Trust
$1.5B
1 holding
Uncategorized
$1.5B
774 holdings
PIInvestmentTypeShares / unitsCostCurrent value% of plan
CSX CORP MASTER RET SAV PLN & TRUST
CSX CORPORATION · EIN 54-1352997 / PN 001
Master Trust
$1.5B98.6%
VANGUARD INSTITUTIONAL INDEX INSTL PLUS$328.6M21.3%
VANGUARD WELLINGTON FUND$168.2M10.9%
LOOMIS CORE BOND FUND$61.4M4.0%
T. ROWE PRICE RETIREMENT 2040 FUND$46.7M3.0%
VONTOBEL COLLECTIVE INVESTMENT FUND$45.3M2.9%
T. ROWE PRICE RETIREMENT 2045 FUND$43.6M2.8%
T. ROWE PRICE RETIREMENT 2035 FUND$43.5M2.8%
MORGAN STANLEY IM POOLED FUND$38.6M2.5%
RUSSELL 2000 INDEX FUND$35.4M2.3%
T. ROWE PRICE RETIREMENT 2030 FUND$34.5M2.2%
T. ROWE PRICE RETIREMENT 2050 FUND$34.2M2.2%
US TREASURY REPO$30.8M2.0%
US TREASURY REPO$26.3M1.7%
T. ROWE PRICE RETIREMENT 2055 FUND$22.6M1.5%
T. ROWE PRICE RETIREMENT 2025 FUND$21.3M1.4%
TREASURY NOTE 3.500 30/4/2028$15.0M1.0%
TESLA INC$13.3M0.9%
T. ROWE PRICE RETIREMENT 2020 FUND$12.9M0.8%
FIN FUT US 5YR CBT 03/31/25$12.0M0.8%
FIN FUT SOFR 90DAY CME (RED) 03/17/26$12.0M0.8%
FNMA TBA 4.5% FEB 30YR$11.1M0.7%
META PLATFORMS INC$11.0M0.7%
NVIDIA CORP$10.7M0.7%
COLLECTIVE STIF (NT)$10.7M0.7%
FNMA TBA 3.0% FEB 30YR$10.7M0.7%
US TREASURY NOTE$10.2M0.7%
FNMA TBA 4.0% FEB 30YR$10.1M0.7%
TREASURY NOTE 4.250 30/11/2026$9.6M0.6%
NETFLIX.COM INC$8.8M0.6%
AMAZON.COM INC$8.7M0.6%
T. ROWE PRICE RETIREMENT 2060 FUND$7.6M0.5%
VISA INC-CLASS A SHRS$7.4M0.5%
ORACLE CORP$7.2M0.5%
FIN FUT US 2YR CBT 03/31/25$7.1M0.5%
BOEING CO$6.5M0.4%
MFO Columbia Trust Stable Gov't (RIC):$6.5M0.4%
MICROSOFT CORP$6.4M0.4%
ALPHABET INC-CL A$5.5M0.4%
TREASURY NOTE 4.125 31/10/2029$5.3M0.3%
US TREASURY NOTE$5.0M0.3%
SALESFORCE.COM INC$4.9M0.3%
AUTODESK INC$4.3M0.3%
THE WALT DISNEY CO$4.1M0.3%
TREASURY NOTE 4.125 30/11/2029$4.1M0.3%
VERTEX PHARMACEUTICALS INC$3.9M0.3%
SHOPIFY INC - CLASS A$3.8M0.2%
T. ROWE PRICE RETIREMENT INCOME FUND$3.7M0.2%
T. ROWE PRICE RETIREMENT 2015 FUND$3.7M0.2%
ALPHABET INC-CL C$3.7M0.2%
MONSTER BEVERAGE CORPORATION$3.4M0.2%
Fiserv, Inc.$3.1M0.2%
The Charles Schwab Corp.$3.1M0.2%
REGENERON PHARMACEUTICALS$2.8M0.2%
RTX Corp.$2.7M0.2%
NOVO-NORDISK A/S SPONS ADR$2.6M0.2%
TREASURY NOTE 4.125 15/11/2027$2.6M0.2%
GNMA II TBA 2.5% FEB 30YR JMBO$2.6M0.2%
FIN FUT US 10YR CBT 03/20/25$2.5M0.2%
Wells Fargo & Co.$2.5M0.2%
Johnson Controls International PLC$2.5M0.2%
MetLife, Inc.$2.3M0.2%
INTUITIVE SURGICAL INC$2.3M0.2%
STARBUCKS CORP$2.2M0.1%
QUALCOMM INC$2.2M0.1%
FHLB 0.900 3/3/2026$2.0M0.1%
Sanofi SA ADR$1.9M0.1%
FACTSET RESEARCH SYSTEMS INC$1.8M0.1%
SEI INVESTMENTS CO$1.8M0.1%
FedEx Corp.$1.8M0.1%
Microsoft Corp.$1.8M0.1%
Charter Communications, Inc., Class A$1.8M0.1%
THERMO FISHER SCIENTIFIC INC$1.8M0.1%
TREASURY NOTE 3.875 30/11/2027$1.7M0.1%
U S TREASURY BOND$1.7M0.1%
The Bank of New York Mellon Corp.$1.7M0.1%
Amazon.com, Inc.$1.7M0.1%
FNMA PASS THRU 30YR #SD8383$1.7M0.1%
FNMA PASS THRU 30YR #SD8401$1.7M0.1%
TREASURY NOTE 4.000 15/12/2027$1.7M0.1%
Occidental Petroleum Corp.$1.6M0.1%
JPMORGAN CHASE & CO SR UNSEC SOFR$1.6M0.1%
TREASURY NOTE 3.500 30/9/2029$1.6M0.1%
EXPEDITORS INTL WASH INC$1.6M0.1%
BLOCK INC$1.6M0.1%
FNMA PASS THRU 30YR #FM9482$1.6M0.1%
Gilead Sciences, Inc.$1.5M0.1%
Capital One Financial Corp.$1.5M<0.1%
MORGAN STANLEY SOFR SR UNSEC$1.5M<0.1%
ILLUMINA INC$1.4M<0.1%
PAYPAL HOLDINGS INC$1.4M<0.1%
FNMA PASS THRU 30YR #RA7026$1.4M<0.1%
NOVARTIS AG SPON ADR$1.4M<0.1%
CVS Health Corp.$1.4M<0.1%
Booking Holdings, Inc.$1.4M<0.1%
Norfolk Southern Corp.$1.4M<0.1%
YUM! BRANDS INC$1.4M<0.1%
FHLB 0.780 26/2/2026$1.3M<0.1%
Alphabet, Inc., Class A$1.3M<0.1%
WORKDAY INC$1.3M<0.1%
Fidelity National Information Services, Inc.$1.3M<0.1%
Comcast Corp., Class A$1.3M<0.1%
NIKE INC CL B$1.3M<0.1%
GE Aerospace$1.2M<0.1%
Alphabet, Inc., Class C$1.2M<0.1%
Humana, Inc.$1.2M<0.1%
GSK PLC ADR$1.2M<0.1%
GOLDMAN SACHS GROUP INC SR UNSEC TSFR3M$1.2M<0.1%
ROCHE HOLDINGS LTD - SPONS ADR$1.2M<0.1%
The Cigna Group$1.1M<0.1%
CITIGROUP INC SR UNSEC SOFR$1.1M<0.1%
T-Mobile U.S., Inc.$1.1M<0.1%
The Goldman Sachs Group, Inc.$1.1M<0.1%
FEDERAL HOME LOAN BANKS 0.790 25/2/2026$1.1M<0.1%
FNMA PASS THRU 30YR #SD1610$1.1M<0.1%
Anheuser-Busch InBev SA/NV ADR$1.0M<0.1%
ALIBABA GROUP HOLDING-SP ADR$1.0M<0.1%
Air Products & Chemicals, Inc.$985K<0.1%
Avantor, Inc.$980K<0.1%
Meta Platforms, Inc., Class A$974K<0.1%
The Williams Co., Inc.$973K<0.1%
HSBC HOLDINGS PLC SR UNSEC TSFR3M$962K<0.1%
UnitedHealth Group, Inc.$960K<0.1%
Baker Hughes Co., Class A$956K<0.1%
International Flavors & Fragrances, Inc.$951K<0.1%
FNMA PASS THRU 20YR #MA4697$929K<0.1%
Zimmer Biomet Holdings, Inc.$921K<0.1%
FED HOME LN BK GLBL BD (300MM)$866K<0.1%
BANK OF AMERICA CORP SR UNSEC SOFR$865K<0.1%
Haleon PLC ADR$842K<0.1%
TE Connectivity PLC$809K<0.1%
FNMA PASS THRU 30YR #SD8265$805K<0.1%
Cognizant Technology Solutions Corp., Class A$768K<0.1%
DEERE & CO$760K<0.1%
WELLS FARGO & COMPANY SR UNSEC TSFR3M$747K<0.1%
OR ST DEPT TRANSPRTN$747K<0.1%
Regeneron Pharmaceuticals, Inc.$735K<0.1%
TREASURY NOTE 0.375 31/1/2026$734K<0.1%
CARMX 2024-1 A3$705K<0.1%
SBA Communications Corp. REIT, Class A$705K<0.1%
STNDRD CHARTERED FL 144A SR UNSEC SOFR$703K<0.1%
Baxter International, Inc.$699K<0.1%
BPCE SA SR NON PREF 144A SOFR$696K<0.1%
UBS GROUP AG SR UNSEC 144A$695K<0.1%
ONTARIO TEACHERS FINANCE TRUST 1.375 15/4/2025$690K<0.1%
Cisco Systems, Inc.$690K<0.1%
Bank of America Corp.$687K<0.1%
CPPIB CAPITAL INC 4.375 30/1/2027$670K<0.1%
WESTPAC BANKING CORP 2.000 16/1/2025$665K<0.1%
BANK OF NOVA SCOTIA 1.188 13/10/2026$656K<0.1%
FLORIDA ST BRD OF ADMIN FIN CORP R 1.258 1/7/2025$650K<0.1%
SCRT_18-3$648K<0.1%
Dominion Energy, Inc.$645K<0.1%
PACIFIC LIFE GF II SEC 144A SOFR$633K<0.1%
TRIMAS CORP COM NEW COM NEW$625K<0.1%
GE HealthCare Technologies, Inc.$624K<0.1%
Sun Communities, Inc. REIT$622K<0.1%
BANK OZK COM$605K<0.1%
FNMA PASS THRU 30YR #CB4109$605K<0.1%
ONYP 2020-1NYP A TSFR1M+106.448BP 144A$603K<0.1%
Novartis AG ADR$596K<0.1%
WESTPAC BANKING CORP 1.552 30/9/2026$596K<0.1%
Roche Holding AG ADR$592K<0.1%
MIZUHO FINANCIAL GROUP SR UNSEC$584K<0.1%
CASH COLLATERAL ICE BOS USD$580K<0.1%
HP, Inc.$569K<0.1%
LyondellBasell Industries NV, Class A$569K<0.1%
FNMA PASS THRU 30YR #QE2996$568K<0.1%
YUM CHINA HOLDINGS INC$568K<0.1%
FNMA PASS THRU 30YR #RA7386$567K<0.1%
BARCLAYS PLC SR UNSEC SOFR$567K<0.1%
BACCT 2023-A1 A1$564K<0.1%
BNP PARIBAS SR NONPREF 144A SOFR$563K<0.1%
MASSMUTUAL GLOBAL FUNDIN SEC 144A$561K<0.1%
JPMORGAN CHASE & CO FRN 23/1/2030$560K<0.1%
BSREP 2021-DC A TSFR1M+106.448BP 144A$557K<0.1%
NYC TRANS FIN-B-2-ETM$557K<0.1%
HURON CONSULTING GROUP INC COM STK$550K<0.1%
TREASURY NOTE 4.000 31/10/2029$550K<0.1%
AIR LEASE CORP CL A CLA$539K<0.1%
PACIFIC LIFE GF II SEC 144A$539K<0.1%
Coherent Corp.$536K<0.1%
BRIGHTHSE FIN GLBL FUND SEC 144A$535K<0.1%
Fox Corp., Class A$534K<0.1%
DROP 2021-FILE A TSFR1M+126.448BP 144A$533K<0.1%
GULFPORT ENERGY CORP COM USD0.01$528K<0.1%
ConocoPhillips$528K<0.1%
MIDDLEBY CORP COM$523K<0.1%
COMM_15-CR23$519K<0.1%
Elanco Animal Health, Inc.$512K<0.1%
GMREV 2023-2 A 144A$509K<0.1%
FGOLD 15YR$502K<0.1%
BANQUE FED CRED MUTUEL SR PREF 144A$498K<0.1%
TREASURY NOTE 3.875 31/12/2027$498K<0.1%
TLOT 2023-B A4 144A$497K<0.1%
HERTZ 2023-2A A 144A$495K<0.1%
NATIONAL AUSTRALIA BANK LTD 5.134 28/11/2028$494K<0.1%
KNOWLES CORP COM$494K<0.1%
ING GROEP NV SR UNSEC SOFR$493K<0.1%
ENTERPRISE FINL SVCS CORP COM STK$490K<0.1%
Showing top 200 of 775 investments by value.

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