Retirement plan

DELTA 401(K) RETIREMENT PLAN FOR PILOTS

Name: DELTA AIR LINES, INC. - DELTA 401(K) RETIREMENT PLAN FOR PILOTS (2024) Form 5500
Creator: DELTA AIR LINES, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, DELTA 401(K) RETIREMENT PLAN FOR PILOTS, DELTA AIR LINES, INC.

DELTA AIR LINES, INC.EIN 58-0218548Plan #014PY 2024

1030 DELTA BOULEVARD, DEPARTMENT 216 - ATLANTA, GA 303546001404-715-2600deltaairlines.sharepoint.com/sites/deltanetLinkedIn51-200 employeeslogistics and supply chain

Other plans on this EIN

10 filings

#004Retirement-$18.99B assets #002Retirement-$7.31B assets #015Retirement-$4.52B assets #016Retirement-$3.84B assets #024Retirement-$356.7M assets #017Retirement-$214.4M assets #020Retirement-$114.5M assets #021Retirement-$42.5M assets #030Retirement-$8.1M assets #027Retirement-$585K assets

Prospect flagsHigh feesHigh assets / participantFailed to transmit contributions

Top hat statement on fileNQDC

Filed November 26, 2025 (most recent of 4 filings on file)

Plan administrator

Plan administrator name— Sign in and upgrade to view

PO Box 20706

Atlanta, GA 30320

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Plans declared (1)

Delta Air Lines, Inc. Nonqualified Deferred Compensation Plan for Pilots740 emp

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Total assets (EOY)

$15928.3M

-9.7% from 2016

Total participants

17,776

-5.6% from 2016

Average account balance

$908,788

-4.3% from 2016

Annual return

17.94%

-7.56 pp from 2016

Benchmarks

See 51 peers

Peer group

Industry48 - Transportation and Warehousing

Plan typeDefined contribution

Participants>=10,000

Cohort51 peers

Snapshot2024

Participant deferral / active EE

$22,259

median $3,803

Employer contribution / active EE

$49,209

median $1,389

Participation rate

98.3%

median 64.2%

Avg account balance

$908,788

median $77,360

Admin fee / account holder

$378

median $72

Annual return

17.94%

median 14.54%

Overall peer rank

79of 100

79th percentileavg across 6 metrics

Analytics

2015 - 2024

Total assets (EOY)

Plan-year ending balance

$15.93B

Average account balance

Total assets / participants with a balance (line 6g)

$909K

Participants with account balance

Stacked by status: active / separated vested / retired or beneficiary. Total = line 6g.

17,527

Eligible Participants and Participation

Bars: eligible actives (line 6a). Line: derived rate = active employees with a balance / 6a.

98.3%

Contributions (total)

Employer and participant dollars contributed each year

$1.07B

Contributions per participant

Average employer and participant contribution per enrolled participant

$71K

Asset flow

BOY + contributions + return - distributions = EOY

Year

Annual return

Diverging bars; negative years highlighted

+17.94%

Admin fee / account holder

Total admin expenses / participants with a balance (line 6g)

$378

Asset composition

Cash / stocks / bonds / mutual funds / real estate / loans over time

Mutual / pooled
Stocks
Bonds
Cash
Real estate
Loans

Service providers

Top 10 of 30 by compensation

Provider	Service type	Compensation
FINANCIAL ENGINES10+ years Service code 27 · EIN 77-0473565	Advisory (Plan)	$2,528,894
ALLWORTH FINANCIAL3 years Service code 26 · EIN 68-0372662	Advisory (Participants)	$2,193,582
AMERICAN REALTY ADVISORS2 years Filed as: AMERICAN FINANCIAL ADVISORS Service code 26 · EIN 58-2639765	Advisory (Participants)	$441,835
CREATIVE PLANNING LLC2 years Filed as: CREATIVE PLANNING Service code 26 · EIN 43-1270780	Advisory (Participants)	$379,051
FISHER INVESTMENTS2 years Service code 26 · EIN 94-3029777	Advisory (Participants)	$351,013
SMITH ANGLIN FINANCIAL LLC2 years Filed as: SMITH ANGLIN FINANCIAL Service code 26 · EIN 26-0778361	Advisory (Participants)	$247,607
JP MORGAN INVESTMENT MANAGEMENT INC2 years Filed as: TOTAL INVESTMENT MANAGEMENT Service code 26 · EIN 86-0912979	Advisory (Participants)	$230,592
APOLLON WEALTH MANAGEMENT LLC1 year Filed as: APOLLON WEALTH MANAGEMENT, LLC Service code 26 · EIN 82-3706323	Advisory (Participants)	$211,559
SIGNATUREFD LLC1 year Filed as: SIGNATUREFD, LLC Service code 26 · EIN 58-2323085	Advisory (Participants)	$73,424
SYMPHONY FINANCIAL LTD. CO1 year Filed as: SYMPHONY FINANCIAL, LTD. CO. Service code 26 · EIN 55-0808353	Advisory (Participants)	$73,424

Plan features & details

Pension benefit codes2E2F2G2J2K2R2S2T3F3H

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.
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.
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

3 tripped

OpportunityHigh fees
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
ComplianceFailed to transmit contributions
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
InformationalHigh assets / participant
Assets per participant exceed $250,000 - top-decile high-value plan.

Expense breakdown

Schedule H Part II

Admin total

$6.6M

$442 / participant

Recordkeeping$42K0.6%
Investment mgmt$7M98.9%
Other / not subdivided$30K0.5%

% of EOY assets

0.042%

all-in expense ratio

Categories reported

2 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

Auditor firm: BDO USA, P.C.
Auditor EIN: 135381590
Audit fees: $20,099
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$908,788

$140,910+544.9%

$76,030+1095.3%

$106,553+752.9%

Participation rate

98.3%

64.1%+34.2pp

69.1%+29.3pp

69.8%+28.5pp

Annual return

17.94%

16.51%+1.4pp

361.54%-343.6pp

17.37%+0.6pp

Employer contribution / active EE

$49,209

$5,354+819.1%

$2,688+1731.0%

$3,359+1365.1%

Participant deferral / active EE

$22,259

$5,004+344.8%

$4,257+422.9%

$5,562+300.2%

Admin fee / account holder

$378

$117+222.0%

$6,421-94.1%

$80+374.3%

Provider

Service type

Compensation

FINANCIAL ENGINES10+ years

Service code 27 · EIN 77-0473565

Advisory (Plan)

$2,528,894

ALLWORTH FINANCIAL3 years

Service code 26 · EIN 68-0372662

Advisory (Participants)

$2,193,582

AMERICAN REALTY ADVISORS2 years

Filed as: AMERICAN FINANCIAL ADVISORS

Service code 26 · EIN 58-2639765

Advisory (Participants)

$441,835

CREATIVE PLANNING LLC2 years

Filed as: CREATIVE PLANNING

Service code 26 · EIN 43-1270780

Advisory (Participants)

$379,051

FISHER INVESTMENTS2 years

Service code 26 · EIN 94-3029777

Advisory (Participants)

$351,013

SMITH ANGLIN FINANCIAL LLC2 years

Filed as: SMITH ANGLIN FINANCIAL

Service code 26 · EIN 26-0778361

Advisory (Participants)

$247,607

JP MORGAN INVESTMENT MANAGEMENT INC2 years

Filed as: TOTAL INVESTMENT MANAGEMENT

Service code 26 · EIN 86-0912979

Advisory (Participants)

$230,592

APOLLON WEALTH MANAGEMENT LLC1 year

Filed as: APOLLON WEALTH MANAGEMENT, LLC

Service code 26 · EIN 82-3706323

Advisory (Participants)

$211,559

SIGNATUREFD LLC1 year

Filed as: SIGNATUREFD, LLC

Service code 26 · EIN 58-2323085

Advisory (Participants)

$73,424

SYMPHONY FINANCIAL LTD. CO1 year

Filed as: SYMPHONY FINANCIAL, LTD. CO.

Service code 26 · EIN 55-0808353

Advisory (Participants)

$73,424

DELTA 401(K) RETIREMENT PLAN FOR PILOTS

Top hat statement on fileNQDC

Plan administrator

Plans declared (1)

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

DELTA 401(K) RETIREMENT PLAN FOR PILOTS

Top hat statement on fileNQDC

Plan administrator

Plans declared (1)

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

Benchmarks

Service providers

Opportunity flags

Expense breakdown

Audit opinion

Benchmarks

Service providers

Opportunity flags

Expense breakdown

Audit opinion