Retirement plan

PACIFIC LIFE INSURANCE COMPANY RETIREMENT INCENTIVE SAVINGS PLAN

Name: PACIFIC LIFE INSURANCE COMPANY - PACIFIC LIFE INSURANCE COMPANY RETIREMENT INCENTIVE SAVINGS PLAN (2017) Form 5500
Creator: PACIFIC LIFE INSURANCE COMPANY
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, PACIFIC LIFE INSURANCE COMPANY RETIREMENT INCENTIVE SAVINGS PLAN, PACIFIC LIFE INSURANCE COMPANY

PACIFIC LIFE INSURANCE COMPANYEIN 95-1079000Plan #007PY 2017

700 NEWPORT CENTER DRIVE - NEWPORT BEACH, CA 926606397949-219-3723LinkedIn1-10 employeesinsurance

Prospect flagsHigh assets / participantFailed to transmit contributionsCorrective distributions

Top hat statement on fileNQDC

Filed July 25, 2025 (most recent of 5 filings on file)

Plan administrator

Plan administrator name— Sign in and upgrade to view

700 Newport Center Drive

Newport Beach, CA 92660

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Plans declared (1)

Pacific Life Executive Pre-Retirement Death Benefit Plan284 emp

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Total assets (EOY)

$1185.4M

-7.7% from 2016

Total participants

4,450

-3.2% from 2016

Average account balance

$267,172

-4.6% from 2016

Annual return

14.39%

-6.92 pp from 2016

Benchmarks

See 531 peers

Peer group

Industry52 - Finance and Insurance

Plan typeDefined contribution

Participants1,000-4,999

Cohort531 peers

Snapshot2017

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

Analytics

Total assets (EOY)

Plan-year ending balance

$1.78B

Not enough data

1 years with asset history on file

Average account balance

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

$353K

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.

5,035

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.

99.5%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$103.03M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$30K

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

+14.29%

Not enough data

1 years with return on file

Admin fee / account holder

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

$113

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 8 by compensation

Provider	Service type	Compensation
PRINCIPAL LIFE INSURANCE COMPANY3+ years Service code 13 · EIN 42-0127290	Contract Administrator	$199,147
METLIFE LIFE INSURANCE COMPANY3+ years Filed as: METROPOLITAN LIFE INSURANCE CO Service code 13 · EIN 13-5581826	Contract Administrator	$141,557
LPL FINANCIAL3+ years Filed as: LPL FINANCIAL CORPORATION Service code 22 · EIN 95-2834236	Insurance Broker	$90,000
MERCER3+ years Filed as: MERCER INVESTMENT CONSUL Service code 16 · EIN 61-0736136	Consulting	$71,250
DELOITTE & TOUCHE LLP3+ years Service code 10 · EIN 13-3891517	Accounting	$69,912
WILLIS TOWERS WATSON US LLC1 year Filed as: TOWERS WATSON DELAWARE INC. Service code 29 · EIN 53-0181291	Legal	$49,495
GROOM LAW GROUP1 year Filed as: GROOM LAW GROUP CHARTERE Service code 29 · EIN 52-1219029	Legal	$20,763
MORNINGSTAR2 years Filed as: MORNINGSTAR INVESTMENT MGMT LLC Service code 26 · EIN 36-2923857	Advisory (Participants)	$0

Plan features & details

Pension benefit codes2E2F2G2J2K2S2T3H

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.
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

3 tripped

ComplianceFailed to transmit contributions
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
ComplianceCorrective distributions
Plan reported corrective distributions (failed ADP/ACP testing).
InformationalHigh assets / participant
Assets per participant exceed $250,000 - top-decile high-value plan.

Expense breakdown

Schedule H Part II

Admin total

$552K

$176 / participant

Investment mgmt$71K12.9%
Contract admin$341K61.7%
Other / not subdivided$140K25.4%

% of EOY assets

0.047%

all-in expense ratio

Categories reported

2 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Disclaimer opinion

Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.

Auditor firm: DELOITTE & TOUCHE LLP
Auditor EIN: 133891517
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$267,172

$89,274+199.3%

$149,721+78.4%

$77,958+242.7%

Participation rate

99.6%

87.6%+12.0pp

87.1%+12.5pp

71.6%+27.9pp

Annual return

14.39%

20.36%-6.0pp

1501.67%-1487.3pp

20.87%-6.5pp

Employer contribution / active EE

$11,405

$3,727+206.0%

$5,444+109.5%

$2,310+393.6%

Participant deferral / active EE

$10,272

$5,382+90.8%

$6,568+56.4%

$3,537+190.4%

Admin fee / account holder

$124

$240-48.1%

$11,282-98.9%

$97+27.8%

Provider

Service type

Compensation

PRINCIPAL LIFE INSURANCE COMPANY3+ years

Service code 13 · EIN 42-0127290

Contract Administrator

$199,147

METLIFE LIFE INSURANCE COMPANY3+ years

Filed as: METROPOLITAN LIFE INSURANCE CO

Service code 13 · EIN 13-5581826

Contract Administrator

$141,557

LPL FINANCIAL3+ years

Filed as: LPL FINANCIAL CORPORATION

Service code 22 · EIN 95-2834236

Insurance Broker

$90,000

MERCER3+ years

Filed as: MERCER INVESTMENT CONSUL

Service code 16 · EIN 61-0736136

Consulting

$71,250

DELOITTE & TOUCHE LLP3+ years

Service code 10 · EIN 13-3891517

Accounting

$69,912

WILLIS TOWERS WATSON US LLC1 year

Filed as: TOWERS WATSON DELAWARE INC.

Service code 29 · EIN 53-0181291

Legal

$49,495

GROOM LAW GROUP1 year

Filed as: GROOM LAW GROUP CHARTERE

Service code 29 · EIN 52-1219029

Legal

$20,763

MORNINGSTAR2 years

Filed as: MORNINGSTAR INVESTMENT MGMT LLC

Service code 26 · EIN 36-2923857

Advisory (Participants)

PACIFIC LIFE INSURANCE COMPANY RETIREMENT INCENTIVE SAVINGS PLAN

Top hat statement on fileNQDC

Plan administrator

Plans declared (1)

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

PACIFIC LIFE INSURANCE COMPANY RETIREMENT INCENTIVE SAVINGS PLAN

Top hat statement on fileNQDC

Plan administrator

Plans declared (1)

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