Department of Labor filing
Spot something wrong?The Prudential Insurance Company of America 401(k) plan
THE PRUDENTIAL EMPLOYEE SAVINGS PLAN · For the plan year ended Dec 31, 2024
Legal plan sponsor: THE PRUDENTIAL INSURANCE COMPANY OF AMERICA
Latest public filing 2024 · received Sep 24, 2025Current benefit source Prudential Employee Savings Plan — 2025 Form 11-K · dated Dec 31, 2025
Plan summary
Start with the match, vesting, and fees
Strong
This looks strong based on reviewed current plan terms. We have 7 of 7 key current terms documented. Keep checking the source links because plan rules can change.
Why: The employer match is competitive. You own the match immediately. Reported employer money is near the middle of its peer group.
78Benefit score
from current terms
from current terms
73Plan health
from public filings
from public filings
7/7Complete current-term coverage
documented
documented
See what drives the plan health score
Published only when at least four measures and half of the model weight are available. Missing information is excluded rather than scored as zero.
See what drives the benefit quality score
This separate score uses reviewed current terms only. It requires the employer contribution plus at least three other documented benefit measures. Missing terms are excluded, not treated as poor benefits.
Prudential matches employee pre-tax and Roth contributions dollar for dollar up to 4% of eligible pay—a maximum match equal to 4% of pay.
Check the source ↓Assumes you contribute enough to earn the full match (4% of pay). Eligibility and annual limits can change the amount.
Your contributions are immediately vested.
Prudential generally pays the cost of maintaining the plan.
Participants direct contributions among the plan's investment choices.
Eligible employees can enroll starting on their first day of employment.
Newly eligible employees are automatically enrolled at 4% of eligible pay as Roth 401(k) contributions unless they opt out or choose another rate.
Available. Employees may combine pre-tax, Roth, and traditional after-tax contributions, and eligible balances can be converted to Roth within the plan.
Up 12.8% over the filing history shown.
Participation down 0.4% · assets up 9.6% · loans 0.3% of assets
How this is calculated →See score distributions →Before you enroll: confirm the match, vesting schedule, waiting period, and fees in the current plan documents. The filing history shows how the plan itself has changed.
Keep in mind: public filings do not show your personal investment returns. Missing information does not count against the plan. The documents supporting the current terms are linked below.
Need the raw filing detail?
The key takeaways are above. Open the full record when you want every number and source note.
Compare The Prudential Insurance Company of America with another employer →See verified benefit details ↓
Personalized estimate
What could The Prudential Insurance Company of America's contribution mean for you?
This uses the reviewed employer formula shown on this profile—not the plan-wide Form 5500 contribution average.
Estimated employer money$3,400/year
- Your annual contribution
- $3,400
- Possible maximum
- $3,400
- Potentially unclaimed
- $0
Contributing about 4% of eligible pay captures the documented maximum under this simplified estimate.
Vesting: Your contributions are immediately vested. Prudential matching contributions generally become fully vested after three years of service, with earlier vesting at age 65, death, or total disability while employed.
Compare The Prudential Insurance Company of America with another employer →Review the source terms ↓
Estimate only. Compensation limits, eligibility, true-ups, contribution timing, employee groups, and plan amendments can change the result. Confirm the current formula in your plan documents.
Filing comparison · 2024—There is not enough comparable filing data to calculate this yet.
How this filing compares
Reported employer contributions56th 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.
Peer-group method: industry size. Limitations: administrative_cost_measure_unavailable_or_zero
The short version
What employees should know
For the year ended Dec 31, 2024, THE PRUDENTIAL INSURANCE COMPANY OF AMERICA reported $85,158,725 in employer contributions across this plan, or $5,241 per active participant. This is the best company-wide filing average available—not a promise of what any one employee receives.
Down 0.4% across the filing years shown. The filing does not report every employee who was eligible.
Change in employer contributions per active participant.
Change in reported administrative cost per participant. Fund expenses may be separate.
A fair peer score is not available yet.
Money and scale
Contributions, assets, and expenses
These are plan-wide totals. They are not individual account balances.
- Employer contributions
- $85,158,725 $5,241 per active participant
- Participant contributions
- $299,279,381
- Other contributions
- Not reported Amounts not classified as employer or participant contributions
- Employer share of contributions
- 22.2%
- Active participants
- 16,248 Very large plan
- Total participants
- 38,003 43,542 at the beginning of the year
- Ending assets
- $10,734,347,566 $282,461 per participant
- Net-asset change
- Up 9.5% Not the same as investment performance
- Beginning net assets
- $10,420,610,174
- Ending net assets
- $10,729,306,593
- Beginning liabilities
- $11,209,517
- Ending liabilities
- $5,040,973
- Total income
- $1,569,935,126
- Total expenses
- $1,261,238,707
- Administrative expenses
- $0 $0 per active participant
- Participant loans
- $30,456,517 0.3% of plan assets
Three-year filing history
How the reported figures changed
Each chart uses the selected public filing for that year. Missing values remain blank rather than becoming zero.
2022
$4,645
2023
$4,741
2024
$5,241
2022
$0
2023
$0
2024
$0
2022
16,321
2023
17,685
2024
16,248
2022
$9,797,149,100
2023
$10,431,819,691
2024
$10,734,347,566
2022
0.3%
2023
0.3%
2024
0.3%
| Plan year | Employer money per active participant | Active participants | Plan assets |
|---|---|---|---|
| 2024 | $5,241 | 16,248 | 10.7B |
| 2023 | $4,741 | 17,685 | 10.4B |
| 2022 | $4,645 | 16,321 | 9.8B |
Changes in plan assets are not the same as investment performance.
Plan health
Loans, late deposits, and other filing disclosures
- Participant loans as a share of plan assets
- 0.3%
- Independent accountant’s opinion
- Unqualified opinion Code 1
- Late participant contributions reported
- Not reportedA “yes” needs context and is not, by itself, proof of wrongdoing.
- Loan defaults reported
- 0
- Lease defaults reported
- 0Only a small number of filings report these events.
- Nonexempt transactions reported
- 0
- Public plan identifier
- 221211670-002
Insurance and supporting schedules
Additional arrangements reported
These disclosures add context. They should not be read as a score or a judgment on their own.
- Insurance contracts
- 274,802 people reported as covered
- Pooled investment entities
- 8$4,968,412,196 reported at year end
Reported plan details
Identity and filing status
- Plan type
- Retirement plan
- Employer arrangement
- Single-employer plan
- Plan effective date
- Jul 1, 1970
- 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
2E2F2G2J2K2O2S2T3F3H
Companies paid by the plans
Service providers named in the latest filings
Amounts are combined when the same provider and role appear in more than one plan. Form 5500 filings do not standardize every provider’s job, so treat the role labels as tentative; the provider name and compensation come directly from the filing.
| Provider | Possible role | How certain? | Plan year | Direct compensation | Indirect compensation |
|---|---|---|---|---|---|
| THE PRUDENTIAL INSURANCE COMPANY | other | Tentative | 2024 | Not reported | unknown |
Current plan terms
What the source documents say
Each item below comes from the dated source linked in this section. Anything the source does not establish is left blank.
- Employer contribution
- Prudential matches employee pre-tax and Roth contributions dollar for dollar up to 4% of eligible pay—a maximum match equal to 4% of pay. The company may also make discretionary contributions.
- Eligibility
- Eligible employees can enroll starting on their first day of employment.
- Vesting
- Your contributions are immediately vested. Prudential matching contributions generally become fully vested after three years of service, with earlier vesting at age 65, death, or total disability while employed.
- Investment information
- Participants direct contributions among the plan's investment choices. Automatically enrolled employees default into the plan's designated qualified default investment fund.
- Automatic enrollment
- Newly eligible employees are automatically enrolled at 4% of eligible pay as Roth 401(k) contributions unless they opt out or choose another rate.
- Roth contributions
- Available. Employees may combine pre-tax, Roth, and traditional after-tax contributions, and eligible balances can be converted to Roth within the plan.
- Participant fees
- Prudential generally pays the cost of maintaining the plan. Borrowers pay loan-administration fees from their accounts, and investment expenses reduce fund returns.
Source: Prudential Employee Savings Plan — 2025 Form 11-K ↗ · dated Dec 31, 2025
Filing evidence
Open the selected public records
We use the latest valid received filing for each year after resolving amendments and duplicate records. Open the source to check the original filing.
Quick answers
The Prudential Insurance Company of America 401(k) questions
What is The Prudential Insurance Company of America's 401(k) match?
The reviewed current source says: Prudential matches employee pre-tax and Roth contributions dollar for dollar up to 4% of eligible pay—a maximum match equal to 4% of pay. The company may also make discretionary contributions.
How much employer money did The Prudential Insurance Company of America report adding?
For 2024, the selected filing reports $85,158,725 in employer contributions, or $5,241 per active participant. This is a plan-level historical figure, not a personal match quote.
What is The Prudential Insurance Company of America's 401(k) vesting schedule?
The reviewed current source says: Your contributions are immediately vested. Prudential matching contributions generally become fully vested after three years of service, with earlier vesting at age 65, death, or total disability while employed.
What are The Prudential Insurance Company of America's 401(k) fees?
The reviewed current source says: Prudential generally pays the cost of maintaining the plan. Borrowers pay loan-administration fees from their accounts, and investment expenses reduce fund returns.
Can I use this page to compare The Prudential Insurance Company of America with another job offer?
Yes, as a starting point. Compare the documented match, vesting, eligibility, fees, investments, and the filing history, then confirm the current terms before assigning a dollar value to an offer.
Filing ACK_ID20250924132044NAL0017172210001
Data sourceDOL Form 5500 bulk data ↗
Filing searchEFAST2 ↗