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Retirement plan

LIBERTY MUTUAL RETIREMENT BENEFIT PLAN

LIBERTY MUTUAL GROUP INC.EIN 04-3583679Plan #001PY 2024
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175 BERKELEY STREET - BOSTON, MA 02116617-357-9500
Other plans on this EIN
1 filing
#002Retirement-$11.35B assets
Prospect flagsHigh retiree %Low returnsWind-down / frozen

Filing contacts

From the Form 5500, federal record
Plan sponsor signer
(name not on filing)
(617) 357-9500
Plan administrator signer
VERLINDA COTTON DIMARINO
Signed 10/08/2025
Plan administrator entity
LIBERTY MUTUAL RETIREMENT COMMITTEE
EIN 611801137
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Summary metrics

Total assets (EOY)
$6250.7M
-3.4% from 2016
Total participants
71,087
+3.6% from 2016
Average account balance
$0
No prior year
Annual return
-0.85%
-6.24 pp from 2016

Benchmarks

See 185 peers
Peer group
Industryany (size+type match)
Plan typeDefined benefit
Participants>=10,000
Cohort185 peers
Snapshot2024
Participant deferral / active EE
$0
median $11
Employer contribution / active EE
$0
median $6,224
Participation rate
0.0%
median 0.0%
Avg account balance
$0
Admin fee / account holder
$0
Annual return
-0.85%
median 6.42%
Overall peer rank
8th percentileavg across 6 metrics

Analytics

2015 - 2024
Total assets (EOY)
Plan-year ending balance
$6.25B
Average account balance
Total assets / participants with a balance (line 6g)
$88K
Participants with account balance
Stacked by status: active / separated vested / retired or beneficiary. Total = line 6g.
39,299
Eligible Participants and Participation
Bars: eligible actives (line 6a). Line: derived rate = active employees with a balance / 6a.
0.0%
Contributions (total)
Employer and participant dollars contributed each year
$136.00M
Contributions per participant
Average employer and participant contribution per enrolled participant
$4K
Asset flow
BOY + contributions + return - distributions = EOY
Year
Annual return
Diverging bars; negative years highlighted
-0.85%
Admin fee / account holder
Total admin expenses / participants with a balance (line 6g)
$0
Asset composition
Cash / stocks / bonds / mutual funds / real estate / loans over time
  • Mutual / pooled
  • Stocks
  • Bonds
  • Cash
  • Real estate
  • Loans

Service providers

Top 7 by compensation
ProviderService typeCompensation
FID INV INST OPS CO7 years
Service code 15 · EIN 04-2647786
Recordkeeping
$6,925,650
GOLDMAN SACHS ASSET MANAGEMENT7 years
Service code 28 · EIN 13-3575636
Investment Management
$6,173,483
BLACKROCK INST TRUST COMPANY, N.A.6 years
Service code 28 · EIN 94-3112180
Investment Management
$1,099,082
AON CONSULTING7 years
Service code 15 · EIN 22-2232264
Recordkeeping
$1,038,250
THE BANK OF NEW YORK MELLON10+ years
Service code 18 · EIN 13-5160382
Other services; Custodial (other than...
$589,012
DELOITTE TAX LLP7 years
Service code 11 · EIN 86-1065772
Actuarial
$329,529
DANIEL DENNIS CO.10+ years
Service code 10 · EIN 04-2734675
Accounting
$80,000

Enrolled actuary

1 attachment
SB

BENJAMIN W. GILDE

AON CONSULTING, INC.
Enrollment #2308001
700 DISTRICT AVE
BURLINGTON, MA 01803
(617) 482-3100
Signed 2025-08-26

Plan features & details

Pension benefit codes1A1C3H
Plan features
  • 1A
    Benefits are primarily pay related
    Benefits under the plan are primarily determined with reference to a participant's pay (e.g. final-average-pay formula).
  • 1C
    Cash balance or similar plan
    A cash balance formula in a defined benefit plan that expresses the accrued benefit in terms more common to a defined contribution plan such as a hypothetical account balance or single sum amount (includes personal account plan pension equity plan life cycle plan and cash account plan).
  • 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
  • OpportunityLow returns

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

  • InformationalHigh retiree %

    Retirees and beneficiaries make up 25% or more of total participants - indicates an ageing workforce or a frozen plan.

  • InformationalWind-down / frozen

    Plan appears closed to new enrollment or frozen - balance-holders far exceed active participants, or the plan reports active distributions with no inflows. Exclude from peer benchmarks.

Expense breakdown

Schedule H Part II
Admin total
$25.9M
$814 / participant
  • Trustee / custodial$589K2.3%
  • Investment mgmt$7M26.1%
  • Other / not subdivided$19M71.6%
% of EOY assets
0.414%
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
DANIEL DENNIS & COMPANY LLP
Auditor EIN
042734675
Audit fees
(not subdivided)
Opinion code
Unqualified