Employers › CSX › plan 003
Recordkeeping fees per participant · CSX Corporation 401(k) Plan · plan year 2024
$41.89
Higher than 69% of the 790 plans over $1B that report it.
= $231,181 / 5,519
Schedule H, line 2i(3); OTH_RECORDKEEPING_FEES_AMT pos 160; filing 20251008083603NAL0005569969001, received 2025-10-08
participants_with_balance: Form 5500, line 6g(2); PARTCP_ACCOUNT_BAL_CNT pos 78; filing 20251008083603NAL0005569969001, received 2025-10-08
Percentiles compare this plan with the Schedule H plans over $1B 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 2025-10-08.
Administrative expenses excluding investment management, per participant
$136.94
Higher than 96% of the 1,045 plans over $1B that report it.
= $755,788 / 5,519
derived, admin_expenses (2i(12)) minus invst_mgmt_fees (2i(5)), floored at 0; filing 20251008083603NAL0005569969001, received 2025-10-08
participants_with_balance: Form 5500, line 6g(2); PARTCP_ACCOUNT_BAL_CNT pos 78; filing 20251008083603NAL0005569969001, received 2025-10-08
Administrative expenses per participant
$240.91
Higher than 95% of the 1,076 plans over $1B that report it.
= $1,329,606 / 5,519
Schedule H, line 2i(12) total administrative expenses; TOT_ADMIN_EXPENSES_AMT pos 109; filing 20251008083603NAL0005569969001, received 2025-10-08
participants_with_balance: Form 5500, line 6g(2); PARTCP_ACCOUNT_BAL_CNT pos 78; filing 20251008083603NAL0005569969001, received 2025-10-08
Administrative expenses as a share of assets
0.086%
Higher than 81% of the 1,076 plans over $1B that report it.
= $1,329,606 / $1,540,902,143
Schedule H, line 2i(12) total administrative expenses; TOT_ADMIN_EXPENSES_AMT pos 109; filing 20251008083603NAL0005569969001, received 2025-10-08
assets_eoy: Schedule H, Part I line 1f col (b); TOT_ASSETS_EOY_AMT pos 61; filing 20251008083603NAL0005569969001, received 2025-10-08
Employer contributions per participant
$2,849
Higher than 36% of the 1,135 plans over $1B that report it.
= $15,724,463 / 5,519
Schedule H, Part II line 2a(1)(A); EMPLR_CONTRIB_INCOME_AMT pos 68; filing 20251008083603NAL0005569969001, received 2025-10-08
participants_with_balance: Form 5500, line 6g(2); PARTCP_ACCOUNT_BAL_CNT pos 78; filing 20251008083603NAL0005569969001, received 2025-10-08
Employer share of total contributions
30.1%
Higher than 39% of the 1,135 plans over $1B that report it.
= $15,724,463 / $52,245,599
Schedule H, Part II line 2a(1)(A); EMPLR_CONTRIB_INCOME_AMT pos 68; filing 20251008083603NAL0005569969001, received 2025-10-08
total_contrib: Schedule H, line 2a(3); TOT_CONTRIB_AMT pos 72; filing 20251008083603NAL0005569969001, received 2025-10-08
98.6% of this plan's assets are held in a master trust. Costs reported at the trust level and allocated by the plan's share: administrative expenses $0 ($240.91 per participant including the plan's own Schedule H). Benchmarks and percentiles use the plan's own Schedule H only.
2E profit-sharing · 2F ERISA 404(c) plan · 2G fully participant-directed · 2J 401(k) feature · 2K 401(m) arrangement · 2O ESOP-related feature · 2S pre-approved plan document · 3H controlled-group sponsor · 3I · 3J · Form 5500, line 8a; TYPE_PENSION_BNFT_CODE pos 81; filing 20251008083603NAL0005569969001, received 2025-10-08
| Field | Value | Source |
|---|---|---|
| Plan sponsor | CSX CORPORATION | Form 5500, Part II line 2a; SPONSOR_DFE_NAME pos 19; filing 20251008083603NAL0005569969001, received 2025-10-08 |
| Plan name | CSX CORPORATION 401(K) PLAN | Form 5500, line 1a; PLAN_NAME pos 16; filing 20251008083603NAL0005569969001, received 2025-10-08 |
| Sponsor EIN / plan number | 62-1051971 / 003 | Form 5500, line 2b; SPONS_DFE_EIN pos 44; filing 20251008083603NAL0005569969001, received 2025-10-08 |
| Plan type | single-employer | Form 5500, Part I line A; TYPE_PLAN_ENTITY_CD pos 4; filing 20251008083603NAL0005569969001, received 2025-10-08 |
| Sponsor location | JACKSONVILLE, FL | Form 5500, line 2a; SPONS_DFE_MAIL_US_STATE pos 25; filing 20251008083603NAL0005569969001, received 2025-10-08 |
| Industry (business code) | 482110, Transportation and warehousing | Form 5500, line 2d; BUSINESS_CODE pos 46; filing 20251008083603NAL0005569969001, received 2025-10-08 |
| Plan year | 2024-01-01 to 2024-12-31 | Form 5500, Part I plan year; FORM_PLAN_YEAR_BEGIN_DATE pos 2; filing 20251008083603NAL0005569969001, received 2025-10-08 |
| Filing received | 2025-10-08 | Form 5500, EFAST2 receipt date; DATE_RECEIVED pos 102; filing 20251008083603NAL0005569969001, received 2025-10-08 |
| Final filing | no | Form 5500, Part I line B; FINAL_FILING_IND pos 8; filing 20251008083603NAL0005569969001, received 2025-10-08 |
| Amended filing | no | Form 5500, Part I line B; AMENDED_IND pos 7; filing 20251008083603NAL0005569969001, received 2025-10-08 |
| Participants, beginning of year | 5,776 | Form 5500, line 5; TOT_PARTCP_BOY_CNT pos 71; filing 20251008083603NAL0005569969001, received 2025-10-08 |
| Active participants | 3,385 | Form 5500, line 6a(2); TOT_ACTIVE_PARTCP_CNT pos 72; filing 20251008083603NAL0005569969001, received 2025-10-08 |
| Participants, end of year | 5,563 | Form 5500, line 6f; TOT_ACT_RTD_SEP_BENEF_CNT pos 77; filing 20251008083603NAL0005569969001, received 2025-10-08 |
| Participants with an account balance | 5,519 | Form 5500, line 6g(2); PARTCP_ACCOUNT_BAL_CNT pos 78; filing 20251008083603NAL0005569969001, received 2025-10-08 |
| Total assets, beginning of year | $1,474,571,194 | Schedule H, Part I line 1f col (a); TOT_ASSETS_BOY_AMT pos 30; filing 20251008083603NAL0005569969001, received 2025-10-08 |
| Total assets, end of year | $1,540,902,143 | Schedule H, Part I line 1f col (b); TOT_ASSETS_EOY_AMT pos 61; filing 20251008083603NAL0005569969001, received 2025-10-08 |
| Net assets, end of year | $1,540,416,643 | Schedule H, line 1l col (b); NET_ASSETS_EOY_AMT pos 67; filing 20251008083603NAL0005569969001, received 2025-10-08 |
| Total income | $194,506,721 | Schedule H, Part II line 2d; TOT_INCOME_AMT pos 97; filing 20251008083603NAL0005569969001, received 2025-10-08 |
| Net income | $65,751,207 | Schedule H, line 2k; NET_INCOME_AMT pos 111; filing 20251008083603NAL0005569969001, received 2025-10-08 |
| Employer contributions | $15,724,463 | Schedule H, Part II line 2a(1)(A); EMPLR_CONTRIB_INCOME_AMT pos 68; filing 20251008083603NAL0005569969001, received 2025-10-08 |
| Participant contributions | $33,052,479 | Schedule H, line 2a(1)(B); PARTICIPANT_CONTRIB_AMT pos 69; filing 20251008083603NAL0005569969001, received 2025-10-08 |
| Other contributions (incl. rollovers) | $3,468,657 | Schedule H, line 2a(1)(C); OTH_CONTRIB_RCVD_AMT pos 70; filing 20251008083603NAL0005569969001, received 2025-10-08 |
| Total contributions | $52,245,599 | Schedule H, line 2a(3); TOT_CONTRIB_AMT pos 72; filing 20251008083603NAL0005569969001, received 2025-10-08 |
| Benefit payments | $127,201,354 | Schedule H, line 2e(4); TOT_DISTRIB_BNFT_AMT pos 101; filing 20251008083603NAL0005569969001, received 2025-10-08 |
| Total expenses (incl. benefit payments) | $128,755,514 | Schedule H, line 2j; TOT_EXPENSES_AMT pos 110; filing 20251008083603NAL0005569969001, received 2025-10-08 |
| Total administrative expenses | $1,329,606 | Schedule H, line 2i(12) total administrative expenses; TOT_ADMIN_EXPENSES_AMT pos 109; filing 20251008083603NAL0005569969001, received 2025-10-08 |
| Contract administrator fees | $0 | Schedule H, line 2i(2); CONTRACT_ADMIN_FEES_AMT pos 106; filing 20251008083603NAL0005569969001, received 2025-10-08 |
| Recordkeeping fees | $231,181 | Schedule H, line 2i(3); OTH_RECORDKEEPING_FEES_AMT pos 160; filing 20251008083603NAL0005569969001, received 2025-10-08 |
| IQPA audit fees | $0 | Schedule H, line 2i(4); IQPA_AUDIT_FEES_AMT pos 161; filing 20251008083603NAL0005569969001, received 2025-10-08 |
| Investment advisory and management fees | $573,818 | Schedule H, line 2i(5); INVST_MGMT_FEES_AMT pos 107; filing 20251008083603NAL0005569969001, received 2025-10-08 |
| Administrative expenses excluding investment management | $755,788 | derived, admin_expenses (2i(12)) minus invst_mgmt_fees (2i(5)), floored at 0; filing 20251008083603NAL0005569969001, received 2025-10-08 |
| Held in master trusts | $1,518,635,298 | Schedule H, line 1c(11) col (b); INT_MASTER_TR_EOY_AMT pos 53; filing 20251008083603NAL0005569969001, received 2025-10-08 |
| Held in common/collective trusts | $0 | Schedule H, line 1c(9) col (b); INT_COMMON_TR_EOY_AMT pos 51; filing 20251008083603NAL0005569969001, received 2025-10-08 |
| Held in mutual funds | $0 | Schedule H, line 1c(13) col (b); INT_REG_INVST_CO_EOY_AMT pos 55; filing 20251008083603NAL0005569969001, received 2025-10-08 |
| Independent auditor | ERNEST AND YOUNG | Schedule H, Part III line 3a; ACCOUNTANT_FIRM_NAME pos 116; filing 20251008083603NAL0005569969001, received 2025-10-08 |
Position = column in the DOL layout for form year 2024. Filing 20251008083603NAL0005569969001, received 2025-10-08.
| Provider | Relationship | Service codes | Direct compensation | Indirect |
|---|---|---|---|---|
| EMPOWER ADVISORY GROUP, LLC | NONE | 26 Investment advisory (participants); 50 Direct payment from the plan | $573,818 | no |
| NORTHERN TRUST COMPANY | NONE | 19 Custodial (securities); 21 Trustee (bank, trust company or similar); 33 Securities brokerage; 71 Securities brokerage commissions and fees | $287,056 | no |
| EMPOWER ANNUITY INSURANCE COMPANYrecordkeeper | NONE | 64 Recordkeeping fees; 15 Recordkeeping and information management; 37 Participant loan processing; 50 Direct payment from the plan | $231,181 | yes |
| ERNST & YOUNG | NONE | 10 Accounting (including auditing); 50 Direct payment from the plan | $62,730 | no |
| QDRO CONSULTANTS COMPANY, LLC | NONE | 16 Consulting (general) | $5,500 | no |
| JONES DAY REAVIS & POGUE | NONE | 27 Investment advisory (plan); 52 Investment management fees paid indirectly by plan | $0 | yes |
| LOOMIS SAYLES & COMPANY | NONE | 27 Investment advisory (plan); 52 Investment management fees paid indirectly by plan | $0 | yes |
| DODGE & COX | NONE | 27 Investment advisory (plan); 52 Investment management fees paid indirectly by plan | $0 | yes |
| MORGAN STANLEY INVESTMEMENT MANAGEM | NONE | 27 Investment advisory (plan); 52 Investment management fees paid indirectly by plan | $0 | yes |
| WELLINGTON MANAGEMENT CO. LLP | NONE | 27 Investment advisory (plan); 50 Direct payment from the plan | $0 | yes |
| HOLLAND & KNIGHT | NONE | 27 Investment advisory (plan); 52 Investment management fees paid indirectly by plan | $0 | yes |
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 20251008083603NAL0005569969001, received 2025-10-08.
CSX CORP MASTER RET SAV PLN & TRUST (EIN 541352997, PN 001): plan interest $1,518,635,298, 50.5% of the trust. The trust's own filing (20251008084025NAL0003132371001, received 2025-10-08) reports net assets $3,005,687,414, administrative expenses $0, recordkeeping fees $0, investment management fees $0 and 0 Schedule C providers.
Schedule D Part I of the plan's filing; the trust's Schedule H and Schedule C. Allocation = the plan's interest divided by the trust's net assets.
| Figure | 2023 | 2024 | Change |
|---|---|---|---|
| Total assets | $1,474,571,194 | $1,540,902,143 | 4.5% |
| Participants with a balance | 5,713 | 5,519 | -3.4% |
| Administrative expenses | $602,033 | $1,329,606 | 120.9% |
| Recordkeeping fees per participant | $12.04 | $41.89 | 247.9% |
| Employer contributions | $14,898,810 | $15,724,463 | 5.5% |
Prior filing 20241003100844NAL0010379409001, received 2024-10-03; the plan years are contiguous.