PlanOptica
Retirement plan

AT&T RETIREMENT SAVINGS PLAN

AT&T INC.EIN 43-1301883Plan #009PY 2021
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P.O. BOX 132160 - DALLAS, TX 753132160210-351-3333att.comLinkedIn10001+ employeestelecommunications
Other plans on this EIN
5 filings
#017Retirement-$54.79B assets#004Retirement-$2.54B assets#011Retirement-$129.9M assets#016Retirement-$50.2M assets#007Retirement-$29.9M assets
Prospect flagsLow returnsFailed to transmit contributions

Filing contacts

From the Form 5500, federal record
Plan sponsor signer
(name not on filing)
(210) 351-3333
Plan administrator signer
PAUL W. STEPHENS
Signed 09/20/2022
Plan administrator entity
AT&T SERVICES, INC.
EIN 742782655
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Summary metrics

Total assets (EOY)
$53765.1M
-15.3% from 2016
Total participants
261,384
-6.8% from 2016
Average account balance
$212,004
-11.8% from 2016
Annual return
12.12%
-17.76 pp from 2016

Benchmarks

See 35 peers
Peer group
Industry51 - Information
Plan typeDefined contribution
Participants>=10,000
Cohort35 peers
Snapshot2021
Participant deferral / active EE
$9,444
median $8,087
Employer contribution / active EE
$4,972
median $4,011
Participation rate
94.6%
median 94.2%
Avg account balance
$212,004
median $143,192
Admin fee / account holder
$90
median $63
Annual return
12.12%
median 15.36%
Overall peer rank
55th percentileavg across 6 metrics

Analytics

2015 - 2024
Total assets (EOY)
Plan-year ending balance
$43.12B
Average account balance
Total assets / participants with a balance (line 6g)
$229K
Participants with account balance
Stacked by status: active / separated vested / retired or beneficiary. Total = line 6g.
188,628
Eligible Participants and Participation
Bars: eligible actives (line 6a). Line: derived rate = active employees with a balance / 6a.
96.2%
Contributions (total)
Employer and participant dollars contributed each year
$1.58B
Contributions per participant
Average employer and participant contribution per enrolled participant
$15K
Asset flow
BOY + contributions + return - distributions = EOY
Year
Annual return
Diverging bars; negative years highlighted
+16.21%
Admin fee / account holder
Total admin expenses / participants with a balance (line 6g)
$90
Asset composition
Cash / stocks / bonds / mutual funds / real estate / loans over time
  • Mutual / pooled
  • Stocks
  • Bonds
  • Cash
  • Real estate
  • Loans

Service providers

Top 3 by compensation
ProviderService typeCompensation
FINANCIAL ENGINES, INC.7+ years
Service code 27 · EIN 47-5324976
Advisory (Plan)
$12,323,000
FIDELITY PARTICIPANT ELECTED FEE5 years
Service code 37 · EIN 04-2647786
Loan Processing
$5,378,000
FIDELITY UNIVERSAL BASIC FEE5 years
Service code 37 · EIN 04-2647786
Loan Processing
$5,059,000

Top hat statement on fileNQDC

Filed July 29, 2006 (most recent of 4 filings on file)

This is a legacy paper filing. Plan administrator and contact details are recorded in the original filing, which has not been digitised into structured fields.

Open the filing PDF

Plan features & details

Pension benefit codes2E2F2G2I2J2K2O2R2S2T3F3H
Plan features
  • 2E
    Profit-sharing
    Profit-sharing plan.
  • 2F
    ERISA section 404(c) plan
    This plan or any part of it is intended to meet the conditions of 29 CFR 2550.404c-1 (shifting investment responsibility to participants).
  • 2G
    Total participant-directed account plan
    Participants have the opportunity to direct the investment of all of the assets allocated to their individual accounts regardless of whether 29 CFR 2550.404c-1 is intended to be met.
  • 2I
    Stock bonus
    Stock bonus plan.
  • 2J
    Code section 401(k) feature
    Cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan under which employees may elect to defer part of their compensation or receive these amounts in cash.
  • 2K
    Code section 401(m) arrangement
    Employee contributions are allocated to separate accounts under the plan or employer contributions are based in whole or in part on employee deferrals or contributions to the plan. Not applicable to 401(k) plans with only QNECs and/or QMACs or to 403(b)(1) 403(b)(7) or 408 arrangements.
  • 2O
    ESOP other than a leveraged ESOP
    Employee stock ownership plan that is not leveraged.
  • 2R
    Participant-directed brokerage accounts
    Participant-directed brokerage accounts provided as an investment option under the plan.
  • 2S
    Automatic enrollment
    Plan provides for automatic enrollment in plan that has elective contributions deducted from payroll.
  • 2T
    Default investment account
    Total or partial participant-directed account plan where plan uses a default investment account for participants who fail to direct assets in their account.
  • 3F
    Leased employees
    Plan sponsor(s) received services of leased employees as defined in Code section 414(n) during the plan year.
  • 3H
    Controlled group member
    Plan sponsor(s) is (are) a member(s) of a controlled group (Code sections 414(b) (c) or (m)).

Opportunity flags

2 tripped
  • OpportunityLow returns

    Annual investment return is in the bottom quintile of the peer cohort.

  • ComplianceFailed to transmit contributions

    Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).

Expense breakdown

Schedule H Part II
Admin total
$22.8M
$157 / participant
  • Other / not subdivided$23M100.0%
% of EOY assets
0.042%
all-in expense ratio
Categories reported
0 / 9
subdivided buckets used

Audit opinion

Schedule H Part III
Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

Auditor firm
FORVIS, LLP
Auditor EIN
440160260
Audit fees
(not subdivided)
Opinion code
Unqualified