PlanOptica
Retirement plan

THE TRAVELERS 401(K) SAVINGS PLAN

TRAVELERS COMPANIES, INC.EIN 41-0518860Plan #002PY 2016
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385 WASHINGTON STREET - ST. PAUL, MN 551021396800-441-4378
Other plans on this EIN
1 filing
#001Retirement-$3.39B assets
Prospect flagsCorrective distributions

Filing contacts

From the Form 5500, federal record
Plan sponsor signer
PAUL E. MUNSON, VP-ASST CONTROLLER
Signed 10/12/2017
(800) 441-4378
Plan administrator signer
JOHN P. CLIFFORD JR.-EVP HR PLAN AD
Signed 10/12/2017
How to read this page

Summary metrics

Total assets (EOY)
$5588.7M
-7.2% from 2016
Total participants
38,532
-0.5% from 2016
Average account balance
$146,271
-6.7% from 2016
Annual return
7.77%
-6.42 pp from 2016

Benchmarks

See 76 peers
Peer group
Industry52 - Finance and Insurance
Plan typeDefined contribution
Participants>=10,000
Cohort76 peers
Snapshot2016
Participant deferral / active EE
$7,897
median $5,403
Employer contribution / active EE
$3,726
median $3,024
Participation rate
98.9%
median 93.3%
Avg account balance
$146,271
median $90,796
Admin fee / account holder
$118
median $51
Annual return
7.77%
median 9.41%
Overall peer rank
60th percentileavg across 6 metrics

Analytics

2015 - 2024
Total assets (EOY)
Plan-year ending balance
$10.39B
Average account balance
Total assets / participants with a balance (line 6g)
$249K
Participants with account balance
Stacked by status: active / separated vested / retired or beneficiary. Total = line 6g.
41,646
Eligible Participants and Participation
Bars: eligible actives (line 6a). Line: derived rate = active employees with a balance / 6a.
98.2%
Contributions (total)
Employer and participant dollars contributed each year
$487.38M
Contributions per participant
Average employer and participant contribution per enrolled participant
$16K
Asset flow
BOY + contributions + return - distributions = EOY
Year
Annual return
Diverging bars; negative years highlighted
+15.92%
Admin fee / account holder
Total admin expenses / participants with a balance (line 6g)
$89
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
FINANCIAL ENGINES, INC2+ years
Service code 26 · EIN 94-3250323
Advisory (Participants)
$3,187,025
FIDELITY INVESTMENTS INSTITUTIONAL2+ years
Service code 37 · EIN 04-2647786
Loan Processing
$1,328,619
TECHINTURE, INC2+ years
Service code 15 · EIN 20-0820356
Recordkeeping
$26,600
CURCIO WEBB2+ years
Service code 16 · EIN 36-4171366
Consulting
$20,000
QDRO CONSULTANTS CO, LLC1 year
Service code 29 · EIN 34-1820650
Legal
$10,650
NINTHWAVE LLC2+ years
Service code 16 · EIN 27-4633498
Consulting
$10,000
GENESIS CORP1 year
Service code 15 · EIN 13-4041496
Recordkeeping
$8,855

Top hat statement on fileNQDC

Filed May 2, 2005 (most recent of 2 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 codes2E2F2G2J2K2O2R2S2T3H
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.
  • 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.
  • 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

1 tripped
  • ComplianceCorrective distributions

    Plan reported corrective distributions (failed ADP/ACP testing).

Expense breakdown

Schedule H Part II
Admin total
$4.5M
$157 / participant
  • Investment mgmt$3M67.0%
  • Other / not subdivided$1M33.0%
% of EOY assets
0.081%
all-in expense ratio
Categories reported
1 / 9
subdivided buckets used

Audit opinion

Schedule H Part III
Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

Auditor firm
KPMG, LLC
Auditor EIN
135565207
Audit fees
(not subdivided)
Opinion code
Unqualified