Employer · plans filed under one EIN
American Water Works Company, Inc.
Camden, NJ · Utilities
Form 5500 information is as filed by the plan administrator with the Department of Labor and may be amended. Figures reflect the plan year shown, not current balances.
American Water Works Company, Inc., based in Camden, New Jersey, sponsors 3 retirement plans with 100 or more participants: 1 defined contribution and 2 defined benefit. Together they reported 14,289 participant records and $2.79B in net assets.
The largest is Savs PL for Emps of Amer WTR WKS Co. Inc. & Its Desig Subs, a 401(k) plan with 8,308 participants. A person can be counted in more than one plan, so the participant total is a count of records rather than of people.
Employer contributions across the plans were $87.5M and participant contributions $51.2M in the latest plan years; benefits paid were $227M. Schedule C compensation reported to service provider organisations totalled $5.3M.
Combined net assets moved from $1.08B in 2009 to $2.79B in 2024 (up 158%). Plan mergers and spin-offs show up here as steps in the series.
Plans
| Plan | Kind | Plan year | Participants | Net assets | Per participant | Employer / active | Sch. C compensation |
|---|---|---|---|---|---|---|---|
| Savs PL for Emps of Amer WTR WKS Co. Inc. & Its Desig Subs | 401(k) plan | 2024 | 8,308 | $1.39B | $167,855 | $6,472 | $389K |
| Pension Plan for Certain Inactive Participants of American Water Works Company, Inc. and Its Designa | defined benefit pension plan | 2024 | 3,409 | $682M | $200,065 | — | $1.6M |
| Pension Plan for Employees of American Water Works Company, Inc. & Its Designated Subsidiaries | defined benefit pension plan | 2024 | 2,572 | $712M | $276,812 | $32,305 | $3.2M |
| US median, plan year 2024: DC plans $53,102 per participant, $2,175 employer contribution per active participant; DB plans $86,221 and $10,244. | |||||||
Trend by plan year
| Plan year | Plans | Participant records | Net assets | Employer contributions | Participant contributions |
|---|---|---|---|---|---|
| 2024 | 3 | 14,289 | $2.79B | $87.5M | $51.2M |
| 2023 | 3 | 14,222 | $2.69B | $92.8M | $48.7M |
| 2022 | 2 | 14,377 | $2.45B | $37.8M | $46.2M |
| 2021 | 2 | 14,706 | $2.78B | $66.0M | $47.8M |
| 2020 | 2 | 14,884 | $3.11B | $72.3M | $44.0M |
| 2019 | 2 | 14,998 | $2.77B | $69.0M | $38.3M |
| 2018 | 1 | 8,423 | $795M | $28.4M | $36.1M |
| 2017 | 2 | 15,384 | $2.41B | $52.0M | $33.0M |
| 2016 | 2 | 15,289 | $2.25B | $49.9M | $31.5M |
| 2015 | 2 | 15,143 | $2.11B | $54.7M | $30.8M |
| 2014 | 2 | 14,983 | $2.08B | $49.9M | $29.9M |
| 2013 | 2 | 16,144 | $2.08B | $53.2M | $29.4M |
| 2012 | 2 | 16,317 | $1.79B | $141M | $28.7M |
| 2011 | 2 | 17,784 | $1.54B | $163M | $29.6M |
| 2010 | 2 | 17,311 | $1.41B | $131M | $28.6M |
| 2009 | 2 | 17,358 | $1.08B | $106M | $26.9M |
History of the plans listed above, in the years each filed the full Form 5500 with 100 or more participants. Plans that have since terminated are not included.
Service providers
| Organisation | Services reported | Plans | Compensation reported |
|---|---|---|---|
| Northern Trust Company | Trustee (bank, trust company, or similar financial institution); Other services | 2 | $1,609,814 |
| Heitman/jmb Advisory Corporation | Investment management | 2 | $909,143 |
| Mercer | Actuarial | 2 | $520,923 |
| Empower Annuity Insurance Company | Contract Administrator; Recordkeeping and information management | 1 | $382,534 |
| Willis Towers Watson | Actuarial | 1 | $374,286 |
| TCW Asset Management | Investment management | 2 | $370,366 |
| Income Research & Management Inc. | Investment management | 2 | $192,096 |
| UBS Global Asset Management | Investment advisory (plan) | 2 | $178,854 |
| Eagle Asset Management | Investment management | 2 | $173,007 |
| LSV Asset Management | Investment management | 2 | $161,116 |
| Fidelity Institutional Asset | Investment advisory (plan) | 2 | $124,451 |
| Pugh Capital | Investment advisory (plan); Investment management | 2 | $118,254 |
| John Hancock Life Insurance Co. | Custodial (securities); Insurance agents and brokers | 1 | $52,889 |
| Franklin Templeton | Investment management | 1 | $18,215 |
| State Street Global Advisors | Investment management | 1 | $8,022 |
Organisations paid $5,000 or more by any of these plans, from Schedule C. Individuals are not shown.
Questions and answers
How many retirement plans does American Water Works Company, Inc. have?
3 plans with 100 or more participants filed Form 5500 under its employer identification number for the latest plan years: Savs PL for Emps of Amer WTR WKS Co. Inc. & Its Desig Subs, Pension Plan for Certain Inactive Participants of American Water Works Company, Inc. and Its Designa and Pension Plan for Employees of American Water Works Company, Inc. & Its Designated Subsidiaries. Smaller plans and plans filed under a subsidiary's number are not grouped here.
How much does American Water Works Company, Inc. contribute to its plans?
$87,496,846 in employer contributions across these plans in their latest plan years, about $10,822 per active participant record. Form 5500 reports totals and not the match or accrual formula.
Who provides services to these plans?
Schedule C filings name Northern Trust Company, Heitman/jmb Advisory Corporation, Mercer and Empower Annuity Insurance Company and others. Only organisations paid $5,000 or more by a plan are listed on Schedule C.
Where does this come from?
Form 5500 annual reports filed with the Department of Labor's EFAST2 system, from the EBSA research files, with filings received through 24 Aug 2026. Figures are as filed and may be amended.
Provenance
Source: U.S. Department of Labor, Employee Benefits Security Administration, Form 5500 research files, public domain, with filings received through 24 Aug 2026. Plans are grouped by the sponsor's employer identification number exactly as filed; a company that files under several EINs appears as several employers. See the methodology and corrections.