Employer · plans filed under one EIN
AT&T Inc.
Dallas, TX · Information
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.
AT&T Inc., based in Dallas, Texas, sponsors 5 retirement plans with 100 or more participants: 3 defined contribution and 2 defined benefit. Together they reported 496,241 participant records and $73.8B in net assets.
The largest is AT&T Pension Benefit Plan, a cash balance pension plan with 274,710 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 $950M and participant contributions $1.11B in the latest plan years; benefits paid were $7.64B. Schedule C compensation reported to service provider organisations totalled $19.9M.
Combined net assets moved from $6.01B in 2009 to $73.8B in 2024 (up 1127%). 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 |
|---|---|---|---|---|---|---|---|
| AT&T Pension Benefit Plan | cash balance pension plan | 2024 | 274,710 | $28.3B | $102,894 | $4,298 | $0 |
| AT&T Retirement Savings Plan | ESOP with a 401(k) feature | 2024 | 192,505 | $43.1B | $223,973 | $5,106 | $17.8M |
| AT&T Savings and Security Plan | ESOP with a 401(k) feature | 2024 | 27,558 | $2.26B | $82,162 | $914 | $2.0M |
| AT&T Puerto Rico Retirement Savings Plan | profit-sharing plan | 2024 | 915 | $99.9M | $109,181 | $1,667 | $99K |
| AT&T Puerto Rico Pension Benefit Plan | cash balance pension plan | 2024 | 553 | $20.7M | $37,376 | $137,238 | $0 |
| 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 | 5 | 496,241 | $73.8B | $950M | $1.11B |
| 2023 | 5 | 520,512 | $72.2B | $557M | $1.12B |
| 2022 | 5 | 645,201 | $80.7B | $670M | $1.30B |
| 2021 | 5 | 709,740 | $111.2B | $750M | $1.43B |
| 2020 | 4 | 312,018 | $54.0B | $792M | $1.47B |
| 2019 | 4 | 325,694 | $52.0B | $631M | $1.28B |
| 2018 | 4 | 309,791 | $39.3B | $648M | $1.32B |
| 2017 | 4 | 324,685 | $44.3B | $667M | $1.34B |
| 2016 | 4 | 325,180 | $40.9B | $633M | $1.28B |
| 2015 | 4 | 310,933 | $35.0B | $621M | $1.25B |
| 2014 | 4 | 293,216 | $35.7B | $610M | $1.22B |
| 2013 | 4 | 322,252 | $35.9B | $614M | $1.29B |
| 2012 | 4 | 317,317 | $32.2B | $586M | $1.22B |
| 2011 | 4 | 291,126 | $28.6B | $251M | $471M |
| 2010 | 4 | 157,500 | $6.27B | $172M | $311M |
| 2009 | 4 | 153,894 | $6.01B | $176M | $318M |
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 |
|---|---|---|---|
| Financial Engines, Inc. | Investment advisory (plan) | 3 | $11,277,000 |
| Fidelity Investments Institutional | Participant loan processing | 3 | $8,150,504 |
| AT&T Inc. | Plan Administrator | 1 | $126,000 |
| Goldman Sachs Asset Management | Investment management | 1 | $114,000 |
| The Bank of New York Mellon | Trustee (bank, trust company, or similar financial institution) | 1 | $97,000 |
| Newport Trust Company | Investment management; Named fiduciary | 1 | $60,000 |
| BlackRock Financial Management Inc. | Trustee (bank, trust company, or similar financial institution); Trustee (discretionary); Investment management | 1 | $22,000 |
| PWC US Tax LLP | Consulting (general) | 1 | $21,000 |
| AT&T Services | Plan Administrator | 1 | $13,000 |
| Fleishman Hillard Inc. | Participant communication | 1 | $9,000 |
| Optavise LLC | Consulting (general) | 1 | $8,000 |
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 AT&T Inc. have?
5 plans with 100 or more participants filed Form 5500 under its employer identification number for the latest plan years: AT&T Pension Benefit Plan, AT&T Retirement Savings Plan, AT&T Savings and Security Plan and AT&T Puerto Rico Retirement Savings Plan and others. Smaller plans and plans filed under a subsidiary's number are not grouped here.
How much does AT&T Inc. contribute to its plans?
$949,673,000 in employer contributions across these plans in their latest plan years, about $4,319 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 Financial Engines, Inc., Fidelity Investments Institutional, AT&T Inc. and Goldman Sachs Asset Management 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.