Hartford Fire Insurance Company 401(k) Review & Grade
The Hartford Investment and Savings Plan
Hartford, CTFinance & Insurance18,630 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$8,819Employer $ per active participant
$11,214Employee $ saved per active participant
0.11%Direct admin cost, % of plan assets
$7.2BNet plan assets, end of year
$231,506Average balance per account
Score breakdown
- Employer generosity43.7 / 5087th percentile for employer $ per participant
- Low cost10.2 / 2541th percentile for low admin cost vs. same-size plans
- Employee saving10.6 / 1570th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score75 / 100 · Grade A
This plan vs. peers
Peers: Finance & Insurance plans with 10,000+ active participants (72 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 87th |
| Lower admin cost | 41th |
| Employee saving | 70th |
| Peers that auto-enroll | 74% |
Red flags from the filing
No red flags were reported on this filing's compliance questions.
What to do if you're in this plan
- Hartford Fire Insurance put in about $8,819 per active participant, more than the typical peer ($5,179). Contribute at least enough to collect the full match. Skipping it leaves part of your pay on the table.
- The filing shows total dollars, not the match formula. Ask HR for the Summary Plan Description so you know the exact match and vesting schedule.
- Fund expense ratios aren't in the filing. Look them up in your 404(a)(5) fee disclosure and favor low-cost index or target-date funds.
- The plan auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- Changing jobs? You can usually leave the money in the plan, move it to your new employer's plan, or roll it into an IRA. Don't cash out: you'd owe taxes and possibly a 10% penalty.
The raw numbers from the filing
| Employer contributions | $164,298,000 |
| Participant (employee) contributions | $208,920,000 |
| Other contributions (incl. rollovers in) | $33,713,000 |
| Administrative expenses paid from the plan | $7,388,000 |
| Investment advisory & management fees | $7,100,000 |
| Other admin expenses | $288,000 |
| Benefits paid out | $630,616,000 |
| Net assets, start / end of year | $6.5B / $7.2B |
| Active participants, start / end of year | 18,614 / 18,645 |
| Participants with account balances | 31,023 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Deloitte & Touche LLP |
| Employer stock held by plan | $290,355,000 |
Largest service providers (Schedule C)
| Edelman Financial Engines, LLC | $2,406,191 reported compensation |
| Loomis Sayles Trust Company | $1,615,180 reported compensation |
| J.P. Morgan Investment Mgmt Inc | $681,256 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013155458NAL0000790179001, received 2025-10-13, EIN 06-0383750, plan #100, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.
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