Western National Mutual Insurance 401(k) match, vesting and fees
What Western National Mutual 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 | Principal Life Insurance Company | Schedule C ↗ |
| Independent auditor | Andrews Hooper Pavlik Plc (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | 401(k) · Active | Form 5500 ↗ |
How the plan compares
Plan year 2025 medians for 214 defined-contribution plans in finance and insurance with 1,000 to 4,999 participants.
| Western National Mutual Insurance: employer contribution per participant | $4,586 | |
| Peer median | $3,266 |
| Western National Mutual Insurance: average balance | $156,761 | |
| Peer median | $137,177 |
| Western National Mutual Insurance: admin expenses ÷ assets | 0.07% | |
| Peer median | 0.08% |
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 $119M at the end of plan year 2021 to $162M at the end of plan year 2025.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2025 | 1,053 | $162M | $4.7M | $4,586 | 0.07% | Not published | Form 5500 ↗ |
| 2024 | 981 | $134M | $4.1M | $4,303 | 0.07% | Not published | Form 5500 ↗ |
| 2023 | 958 | $118M | $2.5M | $2,692 | 0.08% | Not published | Form 5500 ↗ |
| 2022 | 889 | $99.2M | $2.3M | $2,677 | 0.08% | Not published | Form 5500 ↗ |
| 2021 | 893 | $119M | $2.2M | $2,533 | 0.08% | Not published | Form 5500 ↗ |
Common questions
Does Western National Mutual Insurance match 401(k) contributions?
The match terms for the Western National Salary Accumulation Program have not been published from its filing yet. The plan year 2025 filing reports $4.7M in employer contributions, about $4,586 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the Western National Mutual Insurance 401(k) match vested?
The vesting schedule for the Western National Salary Accumulation Program is not in the data published so far. Your Summary Plan Description states it.
Who manages the Western National Mutual Insurance 401(k)?
The recordkeeper listed on Schedule C of the plan year 2025 filing is Principal Life Insurance Company. The plan administrator is Western National Mutual Insurance Co.
I left Western National Mutual Insurance. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (Western National Mutual Insurance Co, (952) 835-5350) or the recordkeeper, Principal Life Insurance Company. The Western National Mutual Insurance old 401(k) page lists the contacts from every plan filing. Find an old Western National Mutual Insurance 401(k)
Data from the public Form 5500 annual reports Western National Mutual 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 Western National Mutual Insurance. Not financial advice. Report a correction · Methodology