Retirement plan

THE TRAVELERS 401(K) SAVINGS PLAN

Name: TRAVELERS COMPANIES, INC. - THE TRAVELERS 401(K) SAVINGS PLAN (2018) Form 5500
Creator: TRAVELERS COMPANIES, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, THE TRAVELERS 401(K) SAVINGS PLAN, TRAVELERS COMPANIES, INC.

TRAVELERS COMPANIES, INC.EIN 41-0518860Plan #002PY 2018

385 WASHINGTON STREET - ST. PAUL, MN 551021396800-441-4378

Other plans on this EIN

1 filing

#001Retirement-$3.77B assets

Prospect flagsCorrective distributions

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.

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Total assets (EOY)

$6147.2M

-6.0% from 2017

Total participants

38,370

-0.3% from 2017

Average account balance

$161,348

-5.8% from 2017

Annual return

-4.72%

-21.92 pp from 2017

Benchmarks

See 86 peers

Peer group

Industry52 - Finance and Insurance

Plan typeDefined contribution

Participants>=10,000

Cohort86 peers

Snapshot2018

Free accounts unlock saves, downloads, and 3-year history.

Analytics

Total assets (EOY)

Plan-year ending balance

$10.39B

Not enough data

1 years with asset history on file

Average account balance

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

$249K

Not enough data

1 years with per-participant data

Participants with account balance

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

41,646

Not enough data

1 years with headcount on file

Eligible Participants and Participation

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

98.2%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$487.38M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$16K

Not enough data

1 years with per-participant contribution data

Asset flow

BOY + contributions + return - distributions = EOY

Year

Annual return

Diverging bars; negative years highlighted

+15.92%

Not enough data

1 years with return on file

Admin fee / account holder

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

$89

Not enough data

1 years with admin cost on file

Asset composition

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

Not enough data

1 years with F_SCH_H allocation on file

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Service providers

Top 10 of 11 by compensation

Provider	Service type	Compensation
FINANCIAL ENGINES1 year Filed as: EDELMAN FINANCIAL ENGINES, LLC 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 RETIREMENT INSURANCE AND2 years Filed as: PRUDENTIAL INSURANCE CO. 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 ADVISORS2 years Filed as: STATE STREET GLOBAL ADVISOR TRUST Service code 18 · EIN 81-4017137	Investment management fees paid direc...	$129,963
PRUDENTIAL RETIREMENT INSURANCE AND2 years Filed as: PRUDENTIAL TRUST CO. Service code 28 · EIN 23-6994310	Investment Management	$88,443
CURCIO WEBB1 year Filed as: CURCIO WEBB, LLC Service code 16 · EIN 36-4171366	Consulting	$55,946
QDRO CONSULTANTS COMPANY, LLC4+ years Filed as: QDRO CONSULTANTS CO., LLC Service code 29 · EIN 34-1820650	Legal	$15,000
MARUDAS GRAPHICS, INC.1 year Service code 38 · EIN 41-1952419	Participant Communication	$14,802

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

Metric

This plan

Peer set

Industry

Size

Avg account balance

$161,348

$96,381+67.4%

$140,019+15.2%

$73,367+119.9%

Participation rate

99.0%

90.1%+8.9pp

87.5%+11.5pp

69.5%+29.6pp

Annual return

-4.72%

-4.30%-0.4pp

651.15%-655.9pp

173.45%-178.2pp

Employer contribution / active EE

$4,015

$4,168-3.7%

$5,605-28.4%

$2,499+60.7%

Participant deferral / active EE

$8,633

$6,186+39.6%

$6,927+24.6%

$4,033+114.1%

Admin fee / account holder

$139

$100+39.2%

$10,705-98.7%

$68+103.4%

Provider

Service type

Compensation

FINANCIAL ENGINES1 year

Filed as: EDELMAN FINANCIAL ENGINES, LLC

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 RETIREMENT INSURANCE AND2 years

Filed as: PRUDENTIAL INSURANCE CO.

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 ADVISORS2 years

Filed as: STATE STREET GLOBAL ADVISOR TRUST

Service code 18 · EIN 81-4017137

Investment management fees paid direc...

$129,963

PRUDENTIAL RETIREMENT INSURANCE AND2 years

Filed as: PRUDENTIAL TRUST CO.

Service code 28 · EIN 23-6994310

Investment Management

$88,443

CURCIO WEBB1 year

Filed as: CURCIO WEBB, LLC

Service code 16 · EIN 36-4171366

Consulting

$55,946

QDRO CONSULTANTS COMPANY, LLC4+ years

Filed as: QDRO CONSULTANTS CO., LLC

Service code 29 · EIN 34-1820650

Legal

$15,000

MARUDAS GRAPHICS, INC.1 year

Service code 38 · EIN 41-1952419

Participant Communication

$14,802

THE TRAVELERS 401(K) SAVINGS PLAN

Top hat statement on fileNQDC

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

THE TRAVELERS 401(K) SAVINGS PLAN

Top hat statement on fileNQDC

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