Department of Labor filing

FACTORY MUTUAL INSURANCE COMPANY

FM GLOBAL 401(K) SAVINGS PLAN · For the plan year ended Dec 31, 2024

Public filing 2024 · received Oct 13, 2025Verified current terms Not available

Plan at a glance

How good does the filing look?

There is not enough comparable filing data to judge this plan yet. This is a filing comparison, not a complete benefits score.

$Employer support

$7,309

Reported employer contributions per active participant.

Higher than about 76% of comparable plans

#People in the filing

4,208

Active participants reported for 2024.

The filing does not say how many employees are currently contributing.

¢Visible plan-paid fees

-$160 / participant

Reported administrative expense—not every fee an employee may pay.

↗Investment performance

Not available

Plan assets changed 13.8%, but that includes contributions, withdrawals, and market movement.

Asset change is not investment performance.

What we still need to judge the benefit

Current match formula, vesting, eligibility, investment choices, fund expense ratios, and employee-level fees.

See missing terms ↓

Filing comparison · 2024—There is not enough comparable filing data to calculate this yet.

How this filing compares

Reported employer contributions76th percentileTypical peer $4,523 · based on 160 comparable plans

Lower reported administrative expenseNot enough dataTypical peer $66 · based on 152 comparable plans

This comparison uses historical filing figures. It does not compare current match formulas, vesting, investments, or employee fees.

The short version

What the latest filing tells us

For the plan year ended Dec 31, 2024, FACTORY MUTUAL INSURANCE COMPANY reported $30,756,488 in employer contributions across the plan and 4,208 active participants. That works out to $7,309 per active participant. It is useful context, but it is not the current match formula and it does not show what any one employee received.

Participation proxy74%

Active participants divided by all end-of-year plan participants. This is not the company participation rate because the filing does not report every eligible employee.

Employer money trendUp 21.8%

Change in reported employer contribution per active participant across the filing history shown.

Expense trendDown 43.5%

Change in reported administrative expense per participant. Investment expenses may not be included.

Peer contextNot enough data

Comparable-plan data is too limited for a score.

Where the public filing stops

Current match, vesting, eligibility, employee fees, and investment choices require a dated plan document. Until we have one, those details stay blank.

Latest financial record

Contributions, assets, and expenses

These figures are reported totals for the plan—not individual account balances or promises to any employee.

Employer contributions: $30,756,488
Participant contributions: $54,270,838
Other contributions: $8,456,430
Employer share of reported contributions: 36.2%
Beginning assets: $1,684,102,096
Ending assets: $1,916,269,037
Ending net assets: $1,916,237,392
Ending liabilities: $31,645
Total income: $385,000,774
Total expenses: $152,700,204
Administrative expenses: -$882,740
Participant loans: $13,589,865

Three-year filing history

How the reported figures changed

Each chart uses its own scale and starts at zero. When the filing has no value, the chart says so rather than turning it into a zero.

Employer contributions reported per active participant

2022

$6,001

2023

$7,111

2024

$7,309

Plan-paid administrative expenses per participant

2022

-$111

2023

-$87

2024

-$160

Active participants

2022

4,295

2023

4,005

2024

4,208

Detailed filing history
Plan year	Per active participant	Active participants	Plan assets	Filing ID
2024	$7,309	4,208	1.9B	20251013080941NAL0002023634001
2023	$7,111	4,005	1.7B	20241001122957NAL0006709985001
2022	$6,001	4,295	1.4B	20231012033317NAL0019907315001

Changes in plan assets are not the same as investment performance. Each row uses the selected public filing for that year.

Plan operations

Details worth knowing

Participant loans as a share of plan assets: 0.7%
Independent accountant’s opinion: Unqualified opinion Code 1
Late participant contributions reported: Not stated in the filing
Public plan identifier: 050316605-003

Reported plan details

Identity and filing status

Plan type: Retirement plan
Employer arrangement: Single-employer plan
Plan effective date: Jul 1, 1977
Industry: Finance and insurance
Amended filing: No
Final filing for this plan: No
Short plan year: No
401(k) feature reported: Yes
Show DOL characteristic codes
2E2F2G2J2K2R2S2T3F3H

Reported service providers

Organizations named in the latest filing

The public dataset does not always identify a provider’s exact role. Compensation stays blank when it was not separately reported.

Provider	Plan year	Direct compensation	Indirect compensation
FIDELITY INVESTMENTS INSTITUTIONAL	2024	Not reported	unknown

Current plan terms

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Filing ACK_ID20251013080941NAL0002023634001

Data sourceDOL Form 5500 bulk data ↗

Filing searchEFAST2 ↗