National Guardian Life Insurance 401(k) match, vesting and fees
What National Guardian Life Insurance'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 | Empower Annuity Insurance Company O | Schedule C ↗ |
| Independent auditor | Clifton Larson Allen LLP (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | 401(k) · Active | Form 5500 ↗ |
How the plan compares
Plan year 2025 medians for 208 defined-contribution plans in finance and insurance with 500 to 999 participants.
| National Guardian Life Insurance: employer contribution per participant | $4,488 | |
| Peer median | $3,090 |
| National Guardian Life Insurance: average balance | $130,642 | |
| Peer median | $119,169 |
| National Guardian Life Insurance: admin expenses ÷ assets | 0.10% | |
| Peer median | 0.10% |
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 $57.4M at the end of plan year 2021 to $69M at the end of plan year 2025.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2025 | 538 | $69M | $2.4M | $4,488 | 0.10% | Not published | Form 5500 ↗ |
| 2024 | 541 | $65M | $2.1M | $3,990 | 0.12% | Not published | Form 5500 ↗ |
| 2023 | 532 | $55.2M | $1.9M | $3,678 | 0.10% | Not published | Form 5500 ↗ |
| 2022 | 497 | $48M | $2M | $3,968 | 0.10% | Not published | Form 5500 ↗ |
| 2021 | 531 | $57.4M | $2.1M | $4,073 | 0.02% | Not published | Form 5500 ↗ |
Other National Guardian Life Insurance plans (1)
Each plan files its own Form 5500. Figures are from each plan's latest filing.
National Guardian Life Insurance Company Pension Plan for Employees
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 | Principal Life Insurance Company | Schedule C ↗ |
| Independent auditor | Cliftonlarsonallen LLP (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | Pension (defined benefit) · Frozen | Form 5500 ↗ |
Common questions
Does National Guardian Life Insurance match 401(k) contributions?
The match terms for the National Guardian Life Savings Plan have not been published from its filing yet. The plan year 2025 filing reports $2.4M in employer contributions, about $4,488 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the National Guardian Life Insurance 401(k) match vested?
The vesting schedule for the National Guardian Life Savings Plan is not in the data published so far. Your Summary Plan Description states it.
Who manages the National Guardian Life Insurance 401(k)?
The recordkeeper listed on Schedule C of the plan year 2025 filing is Empower Annuity Insurance Company O. The plan administrator is National Guardian Life Insurance Company.
I left National Guardian Life Insurance. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (National Guardian Life Insurance Company, (608) 257-5612) or the recordkeeper, Empower Annuity Insurance Company O. The National Guardian Life Insurance old 401(k) page lists the contacts from every plan filing. Find an old National Guardian Life Insurance 401(k)
Data from the public Form 5500 annual reports National Guardian Life Insurance filed with the U.S. Department of Labor (plan years 2021 and 2022 and 2023 and 2024 and 2025) 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 National Guardian Life Insurance. Not financial advice. Report a correction · Methodology