PlanOptica
Retirement plan

THE TRAVELERS 401(K) SAVINGS PLAN

TRAVELERS COMPANIES, INC.EIN 41-0518860Plan #002PY 2018
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385 WASHINGTON STREET - ST. PAUL, MN 551021396800-441-4378
Other plans on this EIN
1 filing
#001Retirement-$3.77B assets
Prospect flagsCorrective distributions

Filing contacts

From the Form 5500, federal record
Plan sponsor signer
PAUL E. MUNSON, VP-ASST CONTROLLER
Signed 10/02/2019
(800) 441-4378
Plan administrator signer
DIANE D. BENGSTON, EVP HR PLAN AD
Signed 10/02/2019
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Summary metrics

Total assets (EOY)
$6147.2M
-7.2% from 2016
Total participants
38,370
-0.5% from 2016
Average account balance
$161,348
-6.7% from 2016
Annual return
-4.72%
-6.42 pp from 2016

Benchmarks

See 86 peers
Peer group
Industry52 - Finance and Insurance
Plan typeDefined contribution
Participants>=10,000
Cohort86 peers
Snapshot2018
Participant deferral / active EE
$8,633
median $6,144
Employer contribution / active EE
$4,015
median $3,629
Participation rate
99.0%
median 96.1%
Avg account balance
$161,348
median $93,454
Admin fee / account holder
$139
median $60
Annual return
-4.72%
median -4.59%
Overall peer rank
61st 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 10 of 11 by compensation
ProviderService typeCompensation
EDELMAN FINANCIAL ENGINES, LLC1 year
Service code 26 · EIN 47-5324976
Advisory (Participants)
$3,088,674
FIDELITY INVESTMENTS INSTITUTIONAL4+ years
Service code 37 · EIN 04-2647786
Loan Processing
$1,268,704
STRATEGIC ADVISORS, INC.1 year
Service code 26 · EIN 04-2654524
Advisory (Participants)
$649,180
PRUDENTIAL INSURANCE CO.2 years
Service code 28 · EIN 22-1211670
Investment Management
$256,235
COMPSIGHT, LLC1 year
Service code 15 · EIN 47-3578822
Recordkeeping
$184,829
STATE STREET GLOBAL ADVISOR TRUST2 years
Service code 18 · EIN 81-4017137
Investment management fees paid direc...
$129,963
PRUDENTIAL TRUST CO.2 years
Service code 28 · EIN 23-6994310
Investment Management
$88,443
CURCIO WEBB, LLC1 year
Service code 16 · EIN 36-4171366
Consulting
$55,946
QDRO CONSULTANTS CO., LLC4+ years
Service code 29 · EIN 34-1820650
Legal
$15,000
MARUDAS GRAPHICS, INC.1 year
Service code 38 · EIN 41-1952419
Participant Communication
$14,802

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
$5.3M
$190 / participant
  • Investment mgmt$4M72.8%
  • Other / not subdivided$1M27.2%
% of EOY assets
0.086%
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