Capital One Financial
Capital One Financial Corporation · MCLEAN, VA · COF (NYSE) · Management of companies and enterprises · sponsor EIN 54-1719854 · 1 plan with Schedule H financials, latest plan year 2024
SEC registrant: Capital One Financial Corp.
Plan terms
Quoted from Capital One Financial Corporation's SEC filing covering the period ended 2025-12-31. The figures on this page cover the plan year ended 2024-12-31, a different period: terms may have changed between the two. The plan document governs; these are the filing's own words.
Employer match
“The Company’s contributions, which provide for a maximum annual Company contribution of up to 7.5% of eligible compensation, consist of two major components: (1) a basic safe-harbor non-elective contribution and (2) Company matching contribution.”
As stated in Capital One Financial Corporation's Form 11-K filed 2026-06-29, for the period ended 2025-12-31 (SEC): source document; plan description note, contributions section.
Eligibility
“Eligible employees are automatically enrolled in the Plan immediately upon hire unless they elect to opt-out of Plan participation.”
As stated in Capital One Financial Corporation's Form 11-K filed 2026-06-29, for the period ended 2025-12-31 (SEC): source document; plan description note, general (fallback) section.
Vesting
“The Company’s matching contributions plus actual earnings thereon vest after two years of service.”
As stated in Capital One Financial Corporation's Form 11-K filed 2026-06-29, for the period ended 2025-12-31 (SEC): source document; plan description note, vesting section.
Automatic enrollment
“Eligible employees are automatically enrolled in the Plan immediately upon hire unless they elect to opt-out of Plan participation.”
As stated in Capital One Financial Corporation's Form 11-K filed 2026-06-29, for the period ended 2025-12-31 (SEC): source document; plan description note, general section.
CAPITAL ONE FINANCIAL CORPORATION ASSOCIATE SAVINGS PLAN
Plan year 2024-01-01 to 2024-12-31 · $12,049,528,180 in assets · 68,883 participants with a balance · >$1B bucket, single-employer · plan number 002
At a glance
Recordkeeping fees per participant (headline)
$8.43
higher than 12% of the 790 plans of similar size (>$1B) that report it
= recordkeeping_fees / participants_with_balance. Schedule H, line 2i(3); OTH_RECORDKEEPING_FEES_AMT pos 160; filing 20251010111631NAL0004542995001, received 2025-10-10 · participants_with_balance: Form 5500, line 6g(2); PARTCP_ACCOUNT_BAL_CNT pos 78; filing 20251010111631NAL0004542995001, received 2025-10-10
Administrative expenses excluding investment management, per participant
$10.46
higher than 11% of the 1,045 plans of similar size (>$1B) that report it
= admin_excl_invmgmt / participants_with_balance. derived, admin_expenses (2i(12)) minus invst_mgmt_fees (2i(5)), floored at 0; filing 20251010111631NAL0004542995001, received 2025-10-10 · participants_with_balance: Form 5500, line 6g(2); PARTCP_ACCOUNT_BAL_CNT pos 78; filing 20251010111631NAL0004542995001, received 2025-10-10
Administrative expenses per participant
$207.43
higher than 93% of the 1,076 plans of similar size (>$1B) that report it
= admin_expenses / participants_with_balance. Schedule H, line 2i(12) total administrative expenses; TOT_ADMIN_EXPENSES_AMT pos 109; filing 20251010111631NAL0004542995001, received 2025-10-10 · participants_with_balance: Form 5500, line 6g(2); PARTCP_ACCOUNT_BAL_CNT pos 78; filing 20251010111631NAL0004542995001, received 2025-10-10
Administrative expenses as a share of assets
0.119%
higher than 92% of the 1,076 plans of similar size (>$1B) that report it
= admin_expenses / assets_eoy. Schedule H, line 2i(12) total administrative expenses; TOT_ADMIN_EXPENSES_AMT pos 109; filing 20251010111631NAL0004542995001, received 2025-10-10 · assets_eoy: Schedule H, Part I line 1f col (b); TOT_ASSETS_EOY_AMT pos 61; filing 20251010111631NAL0004542995001, received 2025-10-10
Employer contributions per participant
$6,766
higher than 81% of the 1,135 plans of similar size (>$1B) that report it
= employer_contrib / participants_with_balance. Schedule H, Part II line 2a(1)(A); EMPLR_CONTRIB_INCOME_AMT pos 68; filing 20251010111631NAL0004542995001, received 2025-10-10 · participants_with_balance: Form 5500, line 6g(2); PARTCP_ACCOUNT_BAL_CNT pos 78; filing 20251010111631NAL0004542995001, received 2025-10-10
Employer share of total contributions
41.6%
higher than 78% of the 1,135 plans of similar size (>$1B) that report it
= employer_contrib / total_contrib. Schedule H, Part II line 2a(1)(A); EMPLR_CONTRIB_INCOME_AMT pos 68; filing 20251010111631NAL0004542995001, received 2025-10-10 · total_contrib: Schedule H, line 2a(3); TOT_CONTRIB_AMT pos 72; filing 20251010111631NAL0004542995001, received 2025-10-10
Percentiles compare this plan with the Schedule H plans of the same asset bucket and plan year, excluding final filings; a percentile is shown only where at least 50 comparable plans report the figure. The match formula is not in the filing; only amounts are shown.
Plan features
2F ERISA 404(c) plan · 2G fully participant-directed · 2J 401(k) feature · 2K 401(m) arrangement · 2T default investment (QDIA) · 3F · 2E profit-sharing · 2R participant brokerage window Form 5500, line 8a; TYPE_PENSION_BNFT_CODE pos 81; filing 20251010111631NAL0004542995001, received 2025-10-10
Service providers paid directly by the plan
| Provider | Relationship | Service codes | Direct compensation | Indirect |
|---|---|---|---|---|
| MERCER INVESTMENTS LLC | INVESTMENT ADVISOR | 28 Investment management | $2,972,635 | no |
| STRATEGIC ADVISORS, INC. | ADVISOR | 27 Investment advisory (plan) | $2,771,599 | no |
| FIDELITY INVESTMENTS INSTITUTIONAL (recordkeeper) | RECORDKEEPER | 37 Participant loan processing; 60 Sub-transfer agency fees; 64 Recordkeeping fees; 65 Account maintenance fees; 71 Securities brokerage commissions and fees | $609,538 | yes |
| NEWPORT TRUST COMPANY | INVESTMENT ADVISOR | 28 Investment management | $135,000 | no |
Schedule C Part I line 2: name (a), service codes (b), relationship (c), direct compensation paid by the plan (d), indirect compensation received (e). Filing 20251010111631NAL0004542995001, received 2025-10-10.
Full record
| Field | Value | Source |
|---|---|---|
| Plan sponsor | CAPITAL ONE FINANCIAL CORPORATION | Form 5500, Part II line 2a; SPONSOR_DFE_NAME pos 19; filing 20251010111631NAL0004542995001, received 2025-10-10 |
| Plan name | CAPITAL ONE FINANCIAL CORPORATION ASSOCIATE SAVINGS PLAN | Form 5500, line 1a; PLAN_NAME pos 16; filing 20251010111631NAL0004542995001, received 2025-10-10 |
| Sponsor EIN / plan number | 54-1719854 / 002 | Form 5500, line 2b; SPONS_DFE_EIN pos 44; filing 20251010111631NAL0004542995001, received 2025-10-10 |
| Plan type | single-employer | Form 5500, Part I line A; TYPE_PLAN_ENTITY_CD pos 4; filing 20251010111631NAL0004542995001, received 2025-10-10 |
| Sponsor location | MCLEAN, VA | Form 5500, line 2a; SPONS_DFE_MAIL_US_STATE pos 25; filing 20251010111631NAL0004542995001, received 2025-10-10 |
| Industry (business code) | 551112, Management of companies and enterprises | Form 5500, line 2d; BUSINESS_CODE pos 46; filing 20251010111631NAL0004542995001, received 2025-10-10 |
| Plan year | 2024-01-01 to 2024-12-31 | Form 5500, Part I plan year; FORM_PLAN_YEAR_BEGIN_DATE pos 2; filing 20251010111631NAL0004542995001, received 2025-10-10 |
| Filing received | 2025-10-10 | Form 5500, EFAST2 receipt date; DATE_RECEIVED pos 102; filing 20251010111631NAL0004542995001, received 2025-10-10 |
| Final filing | no | Form 5500, Part I line B; FINAL_FILING_IND pos 8; filing 20251010111631NAL0004542995001, received 2025-10-10 |
| Amended filing | no | Form 5500, Part I line B; AMENDED_IND pos 7; filing 20251010111631NAL0004542995001, received 2025-10-10 |
| Participants, beginning of year | 66,717 | Form 5500, line 5; TOT_PARTCP_BOY_CNT pos 71; filing 20251010111631NAL0004542995001, received 2025-10-10 |
| Active participants | 45,199 | Form 5500, line 6a(2); TOT_ACTIVE_PARTCP_CNT pos 72; filing 20251010111631NAL0004542995001, received 2025-10-10 |
| Participants, end of year | 68,906 | Form 5500, line 6f; TOT_ACT_RTD_SEP_BENEF_CNT pos 77; filing 20251010111631NAL0004542995001, received 2025-10-10 |
| Participants with an account balance | 68,883 | Form 5500, line 6g(2); PARTCP_ACCOUNT_BAL_CNT pos 78; filing 20251010111631NAL0004542995001, received 2025-10-10 |
| Total assets, beginning of year | $10,205,496,478 | Schedule H, Part I line 1f col (a); TOT_ASSETS_BOY_AMT pos 30; filing 20251010111631NAL0004542995001, received 2025-10-10 |
| Total assets, end of year | $12,049,528,180 | Schedule H, Part I line 1f col (b); TOT_ASSETS_EOY_AMT pos 61; filing 20251010111631NAL0004542995001, received 2025-10-10 |
| Net assets, end of year | $11,993,429,563 | Schedule H, line 1l col (b); NET_ASSETS_EOY_AMT pos 67; filing 20251010111631NAL0004542995001, received 2025-10-10 |
| Total income | $2,743,202,307 | Schedule H, Part II line 2d; TOT_INCOME_AMT pos 97; filing 20251010111631NAL0004542995001, received 2025-10-10 |
| Net income | $1,799,840,886 | Schedule H, line 2k; NET_INCOME_AMT pos 111; filing 20251010111631NAL0004542995001, received 2025-10-10 |
| Employer contributions | $466,075,524 | Schedule H, Part II line 2a(1)(A); EMPLR_CONTRIB_INCOME_AMT pos 68; filing 20251010111631NAL0004542995001, received 2025-10-10 |
| Participant contributions | $559,877,149 | Schedule H, line 2a(1)(B); PARTICIPANT_CONTRIB_AMT pos 69; filing 20251010111631NAL0004542995001, received 2025-10-10 |
| Other contributions (incl. rollovers) | $95,007,786 | Schedule H, line 2a(1)(C); OTH_CONTRIB_RCVD_AMT pos 70; filing 20251010111631NAL0004542995001, received 2025-10-10 |
| Total contributions | $1,120,960,459 | Schedule H, line 2a(3); TOT_CONTRIB_AMT pos 72; filing 20251010111631NAL0004542995001, received 2025-10-10 |
| Benefit payments | $928,334,388 | Schedule H, line 2e(4); TOT_DISTRIB_BNFT_AMT pos 101; filing 20251010111631NAL0004542995001, received 2025-10-10 |
| Total expenses (incl. benefit payments) | $943,361,421 | Schedule H, line 2j; TOT_EXPENSES_AMT pos 110; filing 20251010111631NAL0004542995001, received 2025-10-10 |
| Total administrative expenses | $14,288,715 | Schedule H, line 2i(12) total administrative expenses; TOT_ADMIN_EXPENSES_AMT pos 109; filing 20251010111631NAL0004542995001, received 2025-10-10 |
| Contract administrator fees | $17,400 | Schedule H, line 2i(2); CONTRACT_ADMIN_FEES_AMT pos 106; filing 20251010111631NAL0004542995001, received 2025-10-10 |
| Recordkeeping fees | $581,008 | Schedule H, line 2i(3); OTH_RECORDKEEPING_FEES_AMT pos 160; filing 20251010111631NAL0004542995001, received 2025-10-10 |
| IQPA audit fees | $0 | Schedule H, line 2i(4); IQPA_AUDIT_FEES_AMT pos 161; filing 20251010111631NAL0004542995001, received 2025-10-10 |
| Investment advisory and management fees | $13,567,986 | Schedule H, line 2i(5); INVST_MGMT_FEES_AMT pos 107; filing 20251010111631NAL0004542995001, received 2025-10-10 |
| Administrative expenses excluding investment management | $720,729 | derived, admin_expenses (2i(12)) minus invst_mgmt_fees (2i(5)), floored at 0; filing 20251010111631NAL0004542995001, received 2025-10-10 |
| Held in master trusts | $0 | Schedule H, line 1c(11) col (b); INT_MASTER_TR_EOY_AMT pos 53; filing 20251010111631NAL0004542995001, received 2025-10-10 |
| Held in common/collective trusts | $9,251,838,339 | Schedule H, line 1c(9) col (b); INT_COMMON_TR_EOY_AMT pos 51; filing 20251010111631NAL0004542995001, received 2025-10-10 |
| Held in mutual funds | $454,632,251 | Schedule H, line 1c(13) col (b); INT_REG_INVST_CO_EOY_AMT pos 55; filing 20251010111631NAL0004542995001, received 2025-10-10 |
| Independent auditor | ERNST & YOUNG LLP | Schedule H, Part III line 3a; ACCOUNTANT_FIRM_NAME pos 116; filing 20251010111631NAL0004542995001, received 2025-10-10 |
Alerts, claims and corrections
Sponsor name as filed: CAPITAL ONE FINANCIAL CORPORATION; SEC registrant: CAPITAL ONE FINANCIAL CORP (CIK 927628, matched by EIN; display name from the Form 11-K cover).