401k Record

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The Conrail Retirement Savings Plan

Recordkeeping fees per participant · The Conrail Retirement Savings Plan · plan year 2024

$64.33

Higher than 42% of the 14,075 plans $10 to 50M that report it.

Source

= $12,287 / 191
Schedule H, line 2i(3); OTH_RECORDKEEPING_FEES_AMT pos 160; filing 20251015144156NAL0002472259001, received 2025-10-15
participants_with_balance: Form 5500, line 6g(2); PARTCP_ACCOUNT_BAL_CNT pos 78; filing 20251015144156NAL0002472259001, received 2025-10-15

10th: $10.53median $83.9490th: $217.08

Percentiles compare this plan with the Schedule H plans $10 to 50M in assets of the same plan year, excluding final filings; shown only where at least 50 comparable plans report the figure. Plan year 2024-01-01 to 2024-12-31, filing received 2025-10-15.

Cost and contributions

Administrative expenses excluding investment management, per participant

$72.14

10th: $15.36median $118.8890th: $340.63

Higher than 33% of the 24,371 plans $10 to 50M that report it.

Source

= $13,778 / 191
derived, admin_expenses (2i(12)) minus invst_mgmt_fees (2i(5)), floored at 0; filing 20251015144156NAL0002472259001, received 2025-10-15
participants_with_balance: Form 5500, line 6g(2); PARTCP_ACCOUNT_BAL_CNT pos 78; filing 20251015144156NAL0002472259001, received 2025-10-15

Administrative expenses per participant

$131.19

10th: $26.86median $197.2590th: $456.10

Higher than 34% of the 25,098 plans $10 to 50M that report it.

Source

= $25,057 / 191
Schedule H, line 2i(12) total administrative expenses; TOT_ADMIN_EXPENSES_AMT pos 109; filing 20251015144156NAL0002472259001, received 2025-10-15
participants_with_balance: Form 5500, line 6g(2); PARTCP_ACCOUNT_BAL_CNT pos 78; filing 20251015144156NAL0002472259001, received 2025-10-15

Administrative expenses as a share of assets

0.111%

10th: 0.035%median 0.289%90th: 0.599%

Higher than 23% of the 25,132 plans $10 to 50M that report it.

Source

= $25,057 / $22,576,300
Schedule H, line 2i(12) total administrative expenses; TOT_ADMIN_EXPENSES_AMT pos 109; filing 20251015144156NAL0002472259001, received 2025-10-15
assets_eoy: Schedule H, Part I line 1f col (b); TOT_ASSETS_EOY_AMT pos 61; filing 20251015144156NAL0002472259001, received 2025-10-15

Employer contributions per participant

$2,525

10th: $664median $2,07490th: $4,751

Higher than 63% of the 24,050 plans $10 to 50M that report it.

Source

= $482,233 / 191
Schedule H, Part II line 2a(1)(A); EMPLR_CONTRIB_INCOME_AMT pos 68; filing 20251015144156NAL0002472259001, received 2025-10-15
participants_with_balance: Form 5500, line 6g(2); PARTCP_ACCOUNT_BAL_CNT pos 78; filing 20251015144156NAL0002472259001, received 2025-10-15

Employer share of total contributions

26.4%

10th: 13.1%median 27.9%90th: 45.2%

Higher than 45% of the 24,084 plans $10 to 50M that report it.

Source

= $482,233 / $1,823,817
Schedule H, Part II line 2a(1)(A); EMPLR_CONTRIB_INCOME_AMT pos 68; filing 20251015144156NAL0002472259001, received 2025-10-15
total_contrib: Schedule H, line 2a(3); TOT_CONTRIB_AMT pos 72; filing 20251015144156NAL0002472259001, received 2025-10-15

Plan features

2E profit-sharing · 2F ERISA 404(c) plan · 2G fully participant-directed · 2J 401(k) feature · 2K 401(m) arrangement · 2S pre-approved plan document · 2T default investment (QDIA) · Form 5500, line 8a; TYPE_PENSION_BNFT_CODE pos 81; filing 20251015144156NAL0002472259001, received 2025-10-15

Full record, The Conrail Retirement Savings Plan

FieldValueSource
Plan sponsorCONSOLIDATED RAIL CORPORATIONForm 5500, Part II line 2a; SPONSOR_DFE_NAME pos 19; filing 20251015144156NAL0002472259001, received 2025-10-15
Plan nameTHE CONRAIL RETIREMENT SAVINGS PLANForm 5500, line 1a; PLAN_NAME pos 16; filing 20251015144156NAL0002472259001, received 2025-10-15
Sponsor EIN / plan number23-1989084 / 040Form 5500, line 2b; SPONS_DFE_EIN pos 44; filing 20251015144156NAL0002472259001, received 2025-10-15
Plan typesingle-employerForm 5500, Part I line A; TYPE_PLAN_ENTITY_CD pos 4; filing 20251015144156NAL0002472259001, received 2025-10-15
Sponsor locationPHILADELPHIA, PAForm 5500, line 2a; SPONS_DFE_MAIL_US_STATE pos 25; filing 20251015144156NAL0002472259001, received 2025-10-15
Industry (business code)482110, Transportation and warehousingForm 5500, line 2d; BUSINESS_CODE pos 46; filing 20251015144156NAL0002472259001, received 2025-10-15
Plan year2024-01-01 to 2024-12-31Form 5500, Part I plan year; FORM_PLAN_YEAR_BEGIN_DATE pos 2; filing 20251015144156NAL0002472259001, received 2025-10-15
Filing received2025-10-15Form 5500, EFAST2 receipt date; DATE_RECEIVED pos 102; filing 20251015144156NAL0002472259001, received 2025-10-15
Final filingnoForm 5500, Part I line B; FINAL_FILING_IND pos 8; filing 20251015144156NAL0002472259001, received 2025-10-15
Amended filingnoForm 5500, Part I line B; AMENDED_IND pos 7; filing 20251015144156NAL0002472259001, received 2025-10-15
Participants, beginning of year198Form 5500, line 5; TOT_PARTCP_BOY_CNT pos 71; filing 20251015144156NAL0002472259001, received 2025-10-15
Active participants159Form 5500, line 6a(2); TOT_ACTIVE_PARTCP_CNT pos 72; filing 20251015144156NAL0002472259001, received 2025-10-15
Participants, end of year195Form 5500, line 6f; TOT_ACT_RTD_SEP_BENEF_CNT pos 77; filing 20251015144156NAL0002472259001, received 2025-10-15
Participants with an account balance191Form 5500, line 6g(2); PARTCP_ACCOUNT_BAL_CNT pos 78; filing 20251015144156NAL0002472259001, received 2025-10-15
Total assets, beginning of year$19,913,340Schedule H, Part I line 1f col (a); TOT_ASSETS_BOY_AMT pos 30; filing 20251015144156NAL0002472259001, received 2025-10-15
Total assets, end of year$22,576,300Schedule H, Part I line 1f col (b); TOT_ASSETS_EOY_AMT pos 61; filing 20251015144156NAL0002472259001, received 2025-10-15
Net assets, end of year$22,576,300Schedule H, line 1l col (b); NET_ASSETS_EOY_AMT pos 67; filing 20251015144156NAL0002472259001, received 2025-10-15
Total income$4,778,384Schedule H, Part II line 2d; TOT_INCOME_AMT pos 97; filing 20251015144156NAL0002472259001, received 2025-10-15
Net income$2,662,960Schedule H, line 2k; NET_INCOME_AMT pos 111; filing 20251015144156NAL0002472259001, received 2025-10-15
Employer contributions$482,233Schedule H, Part II line 2a(1)(A); EMPLR_CONTRIB_INCOME_AMT pos 68; filing 20251015144156NAL0002472259001, received 2025-10-15
Participant contributions$1,246,887Schedule H, line 2a(1)(B); PARTICIPANT_CONTRIB_AMT pos 69; filing 20251015144156NAL0002472259001, received 2025-10-15
Other contributions (incl. rollovers)$94,697Schedule H, line 2a(1)(C); OTH_CONTRIB_RCVD_AMT pos 70; filing 20251015144156NAL0002472259001, received 2025-10-15
Total contributions$1,823,817Schedule H, line 2a(3); TOT_CONTRIB_AMT pos 72; filing 20251015144156NAL0002472259001, received 2025-10-15
Benefit payments$2,090,367Schedule H, line 2e(4); TOT_DISTRIB_BNFT_AMT pos 101; filing 20251015144156NAL0002472259001, received 2025-10-15
Total expenses (incl. benefit payments)$2,115,424Schedule H, line 2j; TOT_EXPENSES_AMT pos 110; filing 20251015144156NAL0002472259001, received 2025-10-15
Total administrative expenses$25,057Schedule H, line 2i(12) total administrative expenses; TOT_ADMIN_EXPENSES_AMT pos 109; filing 20251015144156NAL0002472259001, received 2025-10-15
Recordkeeping fees$12,287Schedule H, line 2i(3); OTH_RECORDKEEPING_FEES_AMT pos 160; filing 20251015144156NAL0002472259001, received 2025-10-15
Investment advisory and management fees$11,279Schedule H, line 2i(5); INVST_MGMT_FEES_AMT pos 107; filing 20251015144156NAL0002472259001, received 2025-10-15
Administrative expenses excluding investment management$13,778derived, admin_expenses (2i(12)) minus invst_mgmt_fees (2i(5)), floored at 0; filing 20251015144156NAL0002472259001, received 2025-10-15
Held in common/collective trusts$1,177,745Schedule H, line 1c(9) col (b); INT_COMMON_TR_EOY_AMT pos 51; filing 20251015144156NAL0002472259001, received 2025-10-15
Held in mutual funds$20,774,371Schedule H, line 1c(13) col (b); INT_REG_INVST_CO_EOY_AMT pos 55; filing 20251015144156NAL0002472259001, received 2025-10-15
Independent auditorINSERO & CO. CPAS, LLPSchedule H, Part III line 3a; ACCOUNTANT_FIRM_NAME pos 116; filing 20251015144156NAL0002472259001, received 2025-10-15

Position = column in the DOL layout for form year 2024. Filing 20251015144156NAL0002472259001, received 2025-10-15.

Service providers paid directly by the plan

ProviderRelationshipService codesDirect compensationIndirect
THE VANGUARD GROUP, INC.recordkeeperNONE 15 Recordkeeping and information management; 16 Consulting (general); 25 Trustee (directed); 37 Participant loan processing; 52 Investment management fees paid indirectly by plan $13,778yes
VANGUARD ADVISERS INC.NONE 26 Investment advisory (participants) $11,279no

Schedule C Part I line 2: name (a), service codes (b), relationship (c), direct compensation paid by the plan (d), indirect compensation received (e). Filing 20251015144156NAL0002472259001, received 2025-10-15.

What changed since the 2023 plan year

Figure20232024Change
Total assets$19,913,340$22,576,30013.4%
Participants with a balance194191-1.5%
Administrative expenses$24,090$25,0574.0%
Recordkeeping fees per participant$62.99$64.332.1%
Employer contributions$454,283$482,2336.2%

Prior filing 20241015090226NAL0048582672001, received 2024-10-15; the plan years are contiguous.

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