Guardian Life Insurance Company of America 401(k) match, vesting and fees
What Guardian Life Insurance Company of America's 401(k) plan says about matching contributions
Plan features
Match, vesting and enrollment details have not been published from this plan's audit report yet. The figures below come from the structured filing.
| Recordkeeper | Fidelity Investments Institutional | Schedule C ↗ |
| Independent auditor | Johnson Lambert LLP (unmodified opinion) | Schedule H ↗ |
| Plan type and status | 401(k) · Active | Form 5500 ↗ |
How the plan compares
Plan year 2024 medians for 118 defined-contribution plans in finance and insurance with 5,000 to 9,999 participants.
| Guardian Life Insurance Company of America: employer contribution per participant | $10,347 | |
| Peer median | $3,354 |
| Guardian Life Insurance Company of America: average balance | $173,466 | |
| Peer median | $126,365 |
| Guardian Life Insurance Company of America: admin expenses ÷ assets | 0.04% | |
| Peer median | 0.06% |
Admin expenses are the plan's reported administrative expenses divided by its assets; they do not include fund expense ratios.
Plan history
Plan assets went from $808M at the end of plan year 2021 to $1.1B at the end of plan year 2024.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2024 | 6,420 | $1.1B | $65.6M | $10,347 | 0.04% | Not published | Form 5500 ↗ |
| 2023 | 6,434 | $911M | $64.9M | $10,245 | 0.05% | Not published | Form 5500 ↗ |
| 2022 | 6,811 | $731M | $65M | $9,725 | 0.06% | Not published | Form 5500 ↗ |
| 2021 | 6,279 | $808M | $61.1M | $10,029 | 0.09% | Not published | Form 5500 ↗ |
Other Guardian Life Insurance Company of America plans (4)
Each plan files its own Form 5500. Figures are from each plan's latest filing.
Guardian Cooperative Investment Plan
Plan features
Match, vesting and enrollment details have not been published from this plan's audit report yet. The figures below come from the structured filing.
| Recordkeeper | Fidelity Investments Institutional | Schedule C ↗ |
| Independent auditor | Johnson Lambert LLP (unmodified opinion) | Schedule H ↗ |
| Plan type and status | 401(k) · Active | Form 5500 ↗ |
Guardian Life Employees Incentive Savings Plan
Plan features
Match, vesting and enrollment details have not been published from this plan's audit report yet. The figures below come from the structured filing.
| Recordkeeper | Fidelity Investments Institutional | 2023 Schedule C ↗ |
| Independent auditor | Johnson Lambert LLP (unmodified opinion) | Schedule H ↗ |
| Plan type and status | 401(k) · Active | Form 5500 ↗ |
The recordkeeper is from the plan year 2023 filing, the latest that names one. The other rows are from the plan year 2024 filing.
The Guardian Home Office Employees' Retirement Pla
Plan features
Match, vesting and enrollment details have not been published from this plan's audit report yet. The figures below come from the structured filing.
| Independent auditor | Johnson Lambert LLP (unmodified opinion) | Schedule H ↗ |
| Plan type and status | Pension (defined benefit) · Active | Form 5500 ↗ |
The Guardian Field Representative Employees' Retirement Plan
Plan features
Match, vesting and enrollment details have not been published from this plan's audit report yet. The figures below come from the structured filing.
| Independent auditor | Johnson Lambert LLP (unmodified opinion) | Schedule H ↗ |
| Plan type and status | Pension (defined benefit) · Active | Form 5500 ↗ |
Common questions
Does Guardian Life Insurance Company of America match 401(k) contributions?
The match terms for the Guardian Retirement Investment Plan have not been published from its filing yet. The plan year 2024 filing reports $65.6M in employer contributions, about $10,347 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the Guardian Life Insurance Company of America 401(k) match vested?
The vesting schedule for the Guardian Retirement Investment Plan is not in the data published so far. Your Summary Plan Description states it.
Who manages the Guardian Life Insurance Company of America 401(k)?
The recordkeeper listed on Schedule C of the plan year 2024 filing is Fidelity Investments Institutional. The plan administrator is The Guardian Life Insurance Company of America.
I left Guardian Life Insurance Company of America. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (The Guardian Life Insurance Company of America, (212) 919-8190) or the recordkeeper, Fidelity Investments Institutional. The Guardian Life Insurance Company of America old 401(k) page lists the contacts from every plan filing. Find an old Guardian Life Insurance Company of America 401(k)
Data from the public Form 5500 annual reports Guardian Life Insurance Company of America filed with the U.S. Department of Labor (plan years 2021 and 2022 and 2023 and 2024) and, where noted, the attached independent auditor's report. Plan terms may have changed since the filing; check your current Summary Plan Description. PlanFacts is not affiliated with Guardian Life Insurance Company of America. Not financial advice. Report a correction · Methodology