Fidelity National Financial, Inc. 401(k) Review & Grade
The Fidelity National Financial Group 401(k) Profit Sharing Plan
Jacksonville, FLFinance & Insurance18,368 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,533Employer $ per active participant
$7,398Employee $ saved per active participant
0.06%Direct admin cost, % of plan assets
$3.0BNet plan assets, end of year
$131,992Average balance per account
Score breakdown
- Employer generosity5.6 / 5011th percentile for employer $ per participant
- Low cost16.0 / 2564th percentile for low admin cost vs. same-size plans
- Employee saving2.3 / 1515th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score31 / 100 · Grade D
This plan vs. peers
Peers: Finance & Insurance plans with 10,000+ active participants (72 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 11th |
| Lower admin cost | 64th |
| Employee saving | 15th |
| Peers that auto-enroll | 74% |
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Red flags from the filing
Corrective distributions: the plan refunded $9,991 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Fidelity National Financial put in about $2,533 per active participant, below the typical peer ($5,179). Any match is still an instant return, so contribute enough to get all of it.
- The filing shows total dollars, not the match formula. Ask HR for the Summary Plan Description so you know the exact match and vesting schedule.
- Fund expense ratios aren't in the filing. Look them up in your 404(a)(5) fee disclosure and favor low-cost index or target-date funds.
- The plan auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- Changing jobs? You can usually leave the money in the plan, move it to your new employer's plan, or roll it into an IRA. Don't cash out: you'd owe taxes and possibly a 10% penalty.
The raw numbers from the filing
| Employer contributions | $46,518,234 |
| Participant (employee) contributions | $135,878,081 |
| Other contributions (incl. rollovers in) | $28,371,724 |
| Administrative expenses paid from the plan | $1,749,981 |
| Contract administrator fees | $1,686,633 |
| Benefits paid out | $274,948,217 |
| Net assets, start / end of year | $2.7B / $3.0B |
| Active participants, start / end of year | 18,430 / 18,305 |
| Participants with account balances | 22,798 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Forvis Mazars, LLP |
| Employer stock held by plan | $207,063,915 |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $1,554,811 reported compensation |
| Smith, Gambrell & Russell, LLP | $63,348 reported compensation |
| Morningstar Investment Mgmt LLC | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250701111210NAL0012081137001, received 2025-07-01, EIN 16-1725106, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.