Connecticut › Finance and insurance › 25,000 or more participants
Form 5500 statement · plan year 1 Jan 2024 to 31 Dec 2024
The Hartford Investment and Savings Plan
Sponsored by Hartford Fire Insurance Company, Hartford, CT
Form 5500 information is as filed by the plan administrator with the Department of Labor and may be amended. Figures reflect the plan year shown, not current balances. Form 5500 contains no individual account balances. Look up the original filing at EFAST2.
In the plan year ending 31 Dec 2024, The Hartford Investment and Savings Plan covered 31,062 participants and held $7.18B in net assets. The plan is an ESOP with a 401(k) feature sponsored by Hartford Fire Insurance Company of Hartford, Connecticut.
Net assets came to $231,215 per participant, well above the $62,774 median for defined contribution plans with 25,000 or more participants and well above the $92,294 median for defined contribution plans in finance and insurance. The figure is an average across everyone in the plan, including former employees with small balances; Form 5500 holds no individual account data.
The employer contributed $164M during the year, or $8,812 per active participant against a same-size median of $2,417; participants contributed $209M and $33.7M arrived as rollovers and other contributions. Benefits paid out totalled $631M.
Schedule C lists 11 service provider organisations paid $5,000 or more, with reported compensation of $7.4M: $239 per participant, well above the same-size median of $36.41. Administrative expenses charged to the plan were $7.4M. Schedule C does not capture every cost: fees netted from fund returns and fees the employer pays directly are outside it.
Across the filings on record, net assets went from $2.52B in 2009 to $7.18B in 2024 (up 185%), and participants from 39,559 to 31,062 (down 21%).
The independent accountant's opinion on the financial statements was unmodified (unqualified).
Compared with similar plans
| Measure | This plan | Same size | Same industry | All US DC plans |
|---|---|---|---|---|
| Net assets per participant | $231,215 | $62,774 | $92,294 | $53,102 |
| Employer contributions per active participant | $8,812 | $2,417 | $3,564 | $2,175 |
| Schedule C compensation per participant | $239 | $36.41 | $137 | $123 |
| Schedule C compensation, share of net assets | 0.10% | 0.07% | 0.17% | 0.26% |
| Administrative expenses per participant | $238 | $38.81 | $130 | $116 |
Peer columns are medians for plan year 2024 across defined contribution plans with 100 or more participants: 25,000 or more participants (608 plans), finance and insurance (4,391) and all US plans (63,460). Fee medians cover plans that report an amount.
Trend by plan year
| Plan year | Participants | Net assets | Per participant | Employer contributions | Participant contributions | Schedule C compensation |
|---|---|---|---|---|---|---|
| 2024 | 31,062 | $7.18B | $231,215 | $164M | $209M | $7.4M |
| 2023 | 31,128 | $6.48B | $208,088 | $156M | $202M | $6.5M |
| 2022 | 31,403 | $5.61B | $178,770 | $142M | $192M | $11.2M |
| 2021 | 31,239 | $6.56B | $209,982 | $132M | $179M | $5.5M |
| 2020 | 31,050 | $5.80B | $186,828 | $141M | $181M | $4.6M |
| 2019 | 31,862 | $5.17B | $162,142 | $137M | $170M | $4.4M |
| 2018 | 31,158 | $4.18B | $134,116 | $129M | $157M | $3.7M |
| 2017 | 29,154 | $4.42B | $151,507 | $109M | $134M | $3.7M |
| 2016 | 29,682 | $3.85B | $129,622 | $112M | $136M | $2.7M |
| 2015 | 30,427 | $3.57B | $117,378 | $113M | $133M | $2.4M |
| 2014 | 31,058 | $3.55B | $114,391 | $110M | $129M | $2.3M |
| 2013 | 32,995 | $3.42B | $103,613 | $112M | $132M | $1.5M |
| 2012 | 35,614 | $2.98B | $83,616 | $57.1M | $134M | $2.4M |
| 2011 | 36,787 | $2.71B | $73,794 | $59.5M | $137M | $2.0M |
| 2010 | 37,888 | $2.85B | $75,150 | $62.1M | $138M | $2.5M |
| 2009 | 39,559 | $2.52B | $63,789 | $63.8M | $142M | $2.5M |
Years in which the plan filed the full Form 5500 with 100 or more participants, from 2009. Plan year is the year in which the plan year began.
Statement for the year
- Net assets, beginning of year$6,477,348,000
- Employer contributions$164,298,000
- Participant contributions$208,920,000
- Rollovers and other contributions$33,713,000
- Total contributions$406,931,000
- Total income, including investment results$1,342,773,000
- Benefits paid$630,616,000
- Administrative expenses$7,388,000
- Total expenses$638,124,000
- Net income$704,649,000
- Net transfers$0
- Net assets, end of year$7,181,997,000
Participants
- Active participants18,645
- Retired or separated, receiving benefits1,082
- Retired or separated, entitled to future benefits11,195
- Participants with account balances31,023
- Total participants, end of year31,062
Fees and service providers
| Organisation | Services reported | Direct | Indirect |
|---|---|---|---|
| Edelman Financial Engines, LLC | Investment advisory (participants); Investment management | $2,406,191 | $0 |
| Loomis Sayles Trust Company | Investment management | $1,596,143 | $19,037 |
| J.P. Morgan Investment MGMT Inc. | Investment management | $681,256 | $0 |
| Chartwell Investment Partners | Investment management | $648,968 | $21,443 |
| Insight North America, LLC | Investment management | $547,538 | $0 |
| Leeward Investments, LLC | Investment management | $516,924 | $1,845 |
| T. Rowe Price Associates, Inc. | Investment management | $481,477 | $0 |
| Fidelity Investments Institutional | Participant loan processing; Other services | $288,422 | $0 |
| State Street Bank and Trust Company | Custodial (securities); Trustee (bank, trust company, or similar financial institution); Trustee (directed); Investment management | $120,041 | $0 |
| State Street Global Advisors Trust | Custodial (other than securities); Custodial (securities) | $74,418 | $2,391 |
| BlackRock Institutional Trust | Investment management | $26,831 | $0 |
Schedule C, Part I line 2: providers that received $5,000 or more, with the form's own service codes. Individuals named on Schedule C (plan employees, individual trustees) are never shown and their compensation is excluded. Eligible indirect compensation disclosed by formula carries no dollar amount. See how to read Schedule C fees.
Administrative expenses on Schedule H
- Investment advisory and management fees$7,100,000
- Other administrative expenses$288,000
- Total administrative expenses$7,388,000
Investment structure
Assets at year end by Schedule H category. The form shows the kind of vehicle holding the money, not the funds on the menu.
- Common/collective trusts$5.11B · 71.2%
- Registered investment companies (mutual funds)$962M · 13.4%
- Corporate stocks$422M · 5.9%
- Employer securities$290M · 4.0%
- Corporate debt instruments$224M · 3.1%
- Participant loans$78.8M · 1.1%
- Pooled separate accounts$73.8M · 1.0%
- Receivables$11.1M · 0.2%
- Cash (interest and non-interest bearing)$6.6M · 0.1%
Audit and compliance answers, as filed
- Accountant's opinionUnmodified (unqualified)
- Audit scope limited under ERISA section 103(a)(3)(C)No
- Accounting firmDeloitte & Touche LLP
- Participant contributions reported as transmitted lateNo
- Covered by a fidelity bondYes, $100,000,000
- Blackout period during the yearNo
These are the plan administrator's own answers on Schedule H, Part IV. A reported late transmittal is the filer's disclosure of a timing lapse, usually corrected through the Department of Labor's voluntary program; the amount is the total involved, not a loss.
Plan characteristics
2FERISA section 404(c) plan2GTotal participant-directed account plan2JCode section 401(k) feature2KCode section 401(m) arrangement2OESOP other than a leveraged ESOP2S401(k) plan or 403(b) plan that provides for automatic enrollment2TTotal or partial participant-directed account plan with a default investment account3FPlan sponsor(s) received services of leased employees3HPlan sponsor(s) is (are) a member(s) of a controlled group
Codes entered on Form 5500 line 8a, with the labels from the official instructions. Business code 524290: Other Insurance Related Activities (including third-party administration of Insurance and pension funds).
Similar plans in Connecticut
| Plan | Sponsor | Participants | Net assets | Per participant |
|---|---|---|---|---|
| Citi Retirement Savings Plan | Citigroup Inc. | 117,332 | $26.9B | $229,141 |
| Synchrony Financial My Savings Plan | Synchrony Financial | 12,820 | $1.56B | $122,008 |
| XL America, Inc. Employee Savings Plan | XL America, Inc. | 3,276 | $1.34B | $408,420 |
| POINT72, L.P. 401(k) Plan | POINT72, L.P. | 2,910 | $582M | $200,053 |
| Bridgewater Associates, LP 401(k) Plan | Bridgewater Associates, LP | 2,706 | $614M | $226,857 |
| Apollo Management Holdings, LP 401(k) Plan | Apollo Management Holdings, LP | 2,485 | $396M | $159,429 |
Defined contribution plans in finance and insurance closest in size.
Questions and answers
How big is The Hartford Investment and Savings Plan?
31,062 participants at the end of the plan year ending 31 Dec 2024, of whom 18,645 were active employees, with net assets of $7,181,997,000. Among defined contribution plans that places it in the 25,000 or more participants band, which held 608 plans in plan year 2024.
What does Hartford Fire Insurance Company contribute per participant?
The filing reports $164,298,000 in employer contributions for the year, which is $8,812 per active participant; the median for plans of the same type and size was $2,417 in plan year 2024. Form 5500 reports the total only. It does not state the match formula, and the per-participant figure is an average, not any one person's contribution.
What fees does the plan pay and how do they compare?
Schedule C reports $7,432,925 in compensation to service provider organisations, $239 per participant or 0.10% of net assets. The same-size median among plans reporting any Schedule C compensation was $36.41 per participant. Administrative expenses on Schedule H were $7,388,000. Investment costs deducted inside mutual funds and other pooled vehicles are not itemised on Form 5500, so these figures are a floor rather than a full cost.
Who runs the plan?
The sponsor is Hartford Fire Insurance Company. Investment advisory or management: Edelman Financial Engines, LLC, Loomis Sayles Trust Company and J.P. Morgan Investment MGMT Inc.. Trustee or custodian: State Street Bank and Trust Company and State Street Global Advisors Trust. The financial statements were audited by Deloitte & Touche LLP. Form 5500 also names the plan administrator's signer and other individuals; this site publishes organisations only.
Was the audit opinion unqualified?
The filing reports an unmodified (unqualified) opinion. Unmodified (formerly "unqualified") is the standard clean opinion.
How current is this, and does it show my balance?
This is the Form 5500 for the plan year 1 Jan 2024 to 31 Dec 2024, received by the Department of Labor on 13 Oct 2025. Filings are due seven months after the plan year ends, or nine and a half with an extension, so the public record always runs a year or more behind. It contains plan-level totals only: no individual balances, contributions or names of participants exist in the data.
Provenance
Source: U.S. Department of Labor, Employee Benefits Security Administration, Form 5500 research files (Form 5500, Schedule H, Schedule C) for plan years 2009 to 2025, public domain, with filings received through 24 Aug 2026. This page shows the latest filing on record for EIN 06-0383750, plan 100, received 13 Oct 2025; an amended filing replaces it at the next build. Medians and percentiles are computed by this site; see the methodology. Report an error through corrections.