Recordkeeping fees per participant
not reported
Not reported on this filing.
Employers › Pacific Life Insurance
Pacific Life Insurance 401(k)
- Finance and insurance
- Newport Beach, CA
- EIN 95-1079000
- 1 plan with Schedule H financials
- Plan year 2024
- Pacific Life Insurance Company
- SEC registrant Pacific Life Insurance Co
Administrative expenses excluding investment management, per participant · Pacific Life Insurance Company Retirement Incentive Savings Plan · plan year 2024
$94.10
Higher than 89% of the 1,045 plans over $1B that report it.
Source
= $473,815 / 5,035
derived, admin_expenses (2i(12)) minus invst_mgmt_fees (2i(5)), floored at 0; filing 20250710131243NAL0008715056001, received 2025-07-10
participants_with_balance: Form 5500, line 6g(2); PARTCP_ACCOUNT_BAL_CNT pos 78; filing 20250710131243NAL0008715056001, received 2025-07-10
Percentiles compare this plan with the Schedule H plans over $1B in assets of the same plan year, excluding final filings; shown only where at least 50 comparable plans report the figure. Plan year 2024-01-01 to 2024-12-31, filing received 2025-07-10.
Cost and contributions
Administrative expenses per participant
$113.21
Higher than 76% of the 1,076 plans over $1B that report it.
Source
= $570,012 / 5,035
Schedule H, line 2i(12) total administrative expenses; TOT_ADMIN_EXPENSES_AMT pos 109; filing 20250710131243NAL0008715056001, received 2025-07-10
participants_with_balance: Form 5500, line 6g(2); PARTCP_ACCOUNT_BAL_CNT pos 78; filing 20250710131243NAL0008715056001, received 2025-07-10
Administrative expenses as a share of assets
0.032%
Higher than 33% of the 1,076 plans over $1B that report it.
Source
= $570,012 / $1,778,730,074
Schedule H, line 2i(12) total administrative expenses; TOT_ADMIN_EXPENSES_AMT pos 109; filing 20250710131243NAL0008715056001, received 2025-07-10
assets_eoy: Schedule H, Part I line 1f col (b); TOT_ASSETS_EOY_AMT pos 61; filing 20250710131243NAL0008715056001, received 2025-07-10
Employer contributions per participant
$10,650
Higher than 94% of the 1,135 plans over $1B that report it.
Source
= $53,620,525 / 5,035
Schedule H, Part II line 2a(1)(A); EMPLR_CONTRIB_INCOME_AMT pos 68; filing 20250710131243NAL0008715056001, received 2025-07-10
participants_with_balance: Form 5500, line 6g(2); PARTCP_ACCOUNT_BAL_CNT pos 78; filing 20250710131243NAL0008715056001, received 2025-07-10
Employer share of total contributions
43.7%
Higher than 82% of the 1,135 plans over $1B that report it.
Source
= $53,620,525 / $122,636,281
Schedule H, Part II line 2a(1)(A); EMPLR_CONTRIB_INCOME_AMT pos 68; filing 20250710131243NAL0008715056001, received 2025-07-10
total_contrib: Schedule H, line 2a(3); TOT_CONTRIB_AMT pos 72; filing 20250710131243NAL0008715056001, received 2025-07-10
Plan terms, as stated in Pacific Life Insurance Company's SEC filings
Plan terms are not published in public filings.
Plan features
2E profit-sharing · 2F ERISA 404(c) plan · 2G fully participant-directed · 2J 401(k) feature · 2K 401(m) arrangement · 2S pre-approved plan document · 2T default investment (QDIA) · 3H controlled-group sponsor · Form 5500, line 8a; TYPE_PENSION_BNFT_CODE pos 81; filing 20250710131243NAL0008715056001, received 2025-07-10
Full record, Pacific Life Insurance Company Retirement Incentive Savings Plan
| Field | Value | Source |
|---|---|---|
| Plan sponsor | PACIFIC LIFE INSURANCE COMPANY | Form 5500, Part II line 2a; SPONSOR_DFE_NAME pos 19; filing 20250710131243NAL0008715056001, received 2025-07-10 |
| Plan name | PACIFIC LIFE INSURANCE COMPANY RETIREMENT INCENTIVE SAVINGS PLAN | Form 5500, line 1a; PLAN_NAME pos 16; filing 20250710131243NAL0008715056001, received 2025-07-10 |
| Sponsor EIN / plan number | 95-1079000 / 007 | Form 5500, line 2b; SPONS_DFE_EIN pos 44; filing 20250710131243NAL0008715056001, received 2025-07-10 |
| Plan type | single-employer | Form 5500, Part I line A; TYPE_PLAN_ENTITY_CD pos 4; filing 20250710131243NAL0008715056001, received 2025-07-10 |
| Sponsor location | NEWPORT BEACH, CA | Form 5500, line 2a; SPONS_DFE_MAIL_US_STATE pos 25; filing 20250710131243NAL0008715056001, received 2025-07-10 |
| Industry (business code) | 524140, Finance and insurance | Form 5500, line 2d; BUSINESS_CODE pos 46; filing 20250710131243NAL0008715056001, received 2025-07-10 |
| Plan year | 2024-01-01 to 2024-12-31 | Form 5500, Part I plan year; FORM_PLAN_YEAR_BEGIN_DATE pos 2; filing 20250710131243NAL0008715056001, received 2025-07-10 |
| Filing received | 2025-07-10 | Form 5500, EFAST2 receipt date; DATE_RECEIVED pos 102; filing 20250710131243NAL0008715056001, received 2025-07-10 |
| Final filing | no | Form 5500, Part I line B; FINAL_FILING_IND pos 8; filing 20250710131243NAL0008715056001, received 2025-07-10 |
| Amended filing | no | Form 5500, Part I line B; AMENDED_IND pos 7; filing 20250710131243NAL0008715056001, received 2025-07-10 |
| Participants, beginning of year | 4,956 | Form 5500, line 5; TOT_PARTCP_BOY_CNT pos 71; filing 20250710131243NAL0008715056001, received 2025-07-10 |
| Active participants | 3,436 | Form 5500, line 6a(2); TOT_ACTIVE_PARTCP_CNT pos 72; filing 20250710131243NAL0008715056001, received 2025-07-10 |
| Participants, end of year | 5,053 | Form 5500, line 6f; TOT_ACT_RTD_SEP_BENEF_CNT pos 77; filing 20250710131243NAL0008715056001, received 2025-07-10 |
| Participants with an account balance | 5,035 | Form 5500, line 6g(2); PARTCP_ACCOUNT_BAL_CNT pos 78; filing 20250710131243NAL0008715056001, received 2025-07-10 |
| Total assets, beginning of year | $1,596,156,511 | Schedule H, Part I line 1f col (a); TOT_ASSETS_BOY_AMT pos 30; filing 20250710131243NAL0008715056001, received 2025-07-10 |
| Total assets, end of year | $1,778,730,074 | Schedule H, Part I line 1f col (b); TOT_ASSETS_EOY_AMT pos 61; filing 20250710131243NAL0008715056001, received 2025-07-10 |
| Net assets, end of year | $1,777,595,923 | Schedule H, line 1l col (b); NET_ASSETS_EOY_AMT pos 67; filing 20250710131243NAL0008715056001, received 2025-07-10 |
| Total income | $330,842,581 | Schedule H, Part II line 2d; TOT_INCOME_AMT pos 97; filing 20250710131243NAL0008715056001, received 2025-07-10 |
| Net income | $181,627,305 | Schedule H, line 2k; NET_INCOME_AMT pos 111; filing 20250710131243NAL0008715056001, received 2025-07-10 |
| Employer contributions | $53,620,525 | Schedule H, Part II line 2a(1)(A); EMPLR_CONTRIB_INCOME_AMT pos 68; filing 20250710131243NAL0008715056001, received 2025-07-10 |
| Participant contributions | $49,412,304 | Schedule H, line 2a(1)(B); PARTICIPANT_CONTRIB_AMT pos 69; filing 20250710131243NAL0008715056001, received 2025-07-10 |
| Other contributions (incl. rollovers) | $19,603,452 | Schedule H, line 2a(1)(C); OTH_CONTRIB_RCVD_AMT pos 70; filing 20250710131243NAL0008715056001, received 2025-07-10 |
| Total contributions | $122,636,281 | Schedule H, line 2a(3); TOT_CONTRIB_AMT pos 72; filing 20250710131243NAL0008715056001, received 2025-07-10 |
| Benefit payments | $148,623,745 | Schedule H, line 2e(4); TOT_DISTRIB_BNFT_AMT pos 101; filing 20250710131243NAL0008715056001, received 2025-07-10 |
| Total expenses (incl. benefit payments) | $149,215,276 | Schedule H, line 2j; TOT_EXPENSES_AMT pos 110; filing 20250710131243NAL0008715056001, received 2025-07-10 |
| Total administrative expenses | $570,012 | Schedule H, line 2i(12) total administrative expenses; TOT_ADMIN_EXPENSES_AMT pos 109; filing 20250710131243NAL0008715056001, received 2025-07-10 |
| Contract administrator fees | $397,206 | Schedule H, line 2i(2); CONTRACT_ADMIN_FEES_AMT pos 106; filing 20250710131243NAL0008715056001, received 2025-07-10 |
| IQPA audit fees | $58,500 | Schedule H, line 2i(4); IQPA_AUDIT_FEES_AMT pos 161; filing 20250710131243NAL0008715056001, received 2025-07-10 |
| Investment advisory and management fees | $96,197 | Schedule H, line 2i(5); INVST_MGMT_FEES_AMT pos 107; filing 20250710131243NAL0008715056001, received 2025-07-10 |
| Administrative expenses excluding investment management | $473,815 | derived, admin_expenses (2i(12)) minus invst_mgmt_fees (2i(5)), floored at 0; filing 20250710131243NAL0008715056001, received 2025-07-10 |
| Held in common/collective trusts | $1,625,675,726 | Schedule H, line 1c(9) col (b); INT_COMMON_TR_EOY_AMT pos 51; filing 20250710131243NAL0008715056001, received 2025-07-10 |
| Held in mutual funds | $131,389,991 | Schedule H, line 1c(13) col (b); INT_REG_INVST_CO_EOY_AMT pos 55; filing 20250710131243NAL0008715056001, received 2025-07-10 |
| Independent auditor | DELOITTE & TOUCHE LLP | Schedule H, Part III line 3a; ACCOUNTANT_FIRM_NAME pos 116; filing 20250710131243NAL0008715056001, received 2025-07-10 |
Position = column in the DOL layout for form year 2024. Filing 20250710131243NAL0008715056001, received 2025-07-10.
Service providers paid directly by the plan
| Provider | Relationship | Service codes | Direct compensation | Indirect |
|---|---|---|---|---|
| PRINCIPAL LIFE INSURANCE COMPANYrecordkeeper | CONTRACT ADMINISTRATOR | 13 Contract administrator; 37 Participant loan processing; 50 Direct payment from the plan; 64 Recordkeeping fees | $296,953 | yes |
| METROPOLITAN LIFE INSURANCE | CONTRACT ADMINSTRATOR | 13 Contract administrator; 50 Direct payment from the plan | $100,253 | no |
| MERCER INV CONSULTING | INVESTMENT ADVISORY | 27 Investment advisory (plan); 50 Direct payment from the plan | $96,197 | no |
| DELOITTE & TOUCHE LLP | ACCOUNTANT | 10 Accounting (including auditing); 50 Direct payment from the plan | $58,500 | no |
| GROOM LAW GROUP | LEGAL | 29 Legal; 50 Direct payment from the plan | $18,109 | no |
| MORNINGSTAR INVESTMENT MANAGEMENT L | INV ADV, PARTICIPANTS | 26 Investment advisory (participants); 70 Consulting fees | $0 | yes |
Schedule C Part I line 2: name (a), service codes (b), relationship (c), direct compensation paid by the plan (d), indirect compensation received (e). Filing 20250710131243NAL0008715056001, received 2025-07-10.
What changed since the 2023 plan year
| Figure | 2023 | 2024 | Change |
|---|---|---|---|
| Total assets | $1,596,156,511 | $1,778,730,074 | 11.4% |
| Participants with a balance | 4,920 | 5,035 | 2.3% |
| Administrative expenses | $699,063 | $570,012 | -18.5% |
| Recordkeeping fees per participant | not reported | not reported | |
| Employer contributions | $47,945,840 | $53,620,525 | 11.8% |
Prior filing 20240712153618NAL0011435523001, received 2024-07-12; the plan years are contiguous.
Alerts, claims and corrections
Sponsor name as filed: PACIFIC LIFE INSURANCE COMPANY; SEC registrant: PACIFIC LIFE INSURANCE CO (CIK 1080429, matched by EIN).