American Express Company and Its Participating Subsidiaries401(k) + ESOP (KSOP)
AMERICAN EXPRESS RETIREMENT SAVINGS PLAN · NEW YORK, NY · plan year 2025
Reported admin expense ratio · 2025
0.15%
Peer grade: B· admin costs + employer contributions vs same-size plans · how grading works
American Express Company and Its Participating Subsidiaries reported $14,382,573 in plan administrative expenses for 2025: 0.15% of average plan assets, higher than ~90% of peers. Employer contributions averaged $11,156 per active participant. This ratio covers administrative expenses reported on the plan's Schedule H only; fund-level expense ratios are not included in public structured data — see methodology.
Across the 3 years on file its reported administrative ratio fell from 0.19% to 0.15%. The plan sits in the over $1B size bracket, benchmarked here against 141 comparable plans and shown alongside other finance & insurance employers. By assets it is the 8th-largest of 5,648 plans among New York employers on file, and the 18th of 4,798 in finance & insurance. In 2025, employees put in $1.16 for every $1.00 the employer contributed.
Plan summary
Net assets, end of year$10,354,471,883
Participants with balances39,077
Active participants26,033
Employer contributions$290,416,311
Employee contributions$337,059,696
Employer contribution per active participant$11,156
The American Express Company and Its Participating Subsidiaries 401(k) match · 2025
Employer contribution per active participant$11,156
Median for plans this size$5,084
2025$11,156 per active participant
2024$10,702 per active participant
2023$10,587 per active participant
2022$8,259 per active participant
American Express Company and Its Participating Subsidiaries's 2025 employer contribution ran above the $5,084 median for plans its size, placing it in the top quarter of its peers. Filings report dollars actually contributed, not the match formula; the formula itself (for example, 50% of the first 6% of pay) lives in the plan's summary plan description from HR.
What these fees cost you
Annual cost at the plan's reported 2025 administrative ratio, against the median plan its size; fund expense ratios are extra. Compare any plan.
Source: U.S. Department of Labor, Form 5500 series, EIN 134922250 ·
Verify on EFAST2 ·
Amounts are as reported by the plan sponsor for the plan year shown.