Primerica, Inc. 401(k) Review & Grade
Primerica Savings & Investment Plan
Duluth, GAFinance & Insurance2,058 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$6,088Employer $ per active participant
$7,872Employee $ saved per active participant
0.02%Direct admin cost, % of plan assets
$336.2MNet plan assets, end of year
$137,389Average balance per account
Score breakdown
- Employer generosity38.2 / 5076th percentile for employer $ per participant
- Low cost23.8 / 2595th percentile for low admin cost vs. same-size plans
- Employee saving8.8 / 1559th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score81 / 100 · Grade A
This plan vs. peers
Peers: Finance & Insurance plans with 500–2,499 active participants (754 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 76th |
| Lower admin cost | 95th |
| Employee saving | 59th |
| Peers that auto-enroll | 62% |
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Red flags from the filing
No red flags were reported on this filing's compliance questions.
What to do if you're in this plan
- Primerica put in about $6,088 per active participant, more than the typical peer ($3,606). Contribute at least enough to collect the full match. Skipping it leaves part of your pay on the table.
- 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 | $12,526,305 |
| Participant (employee) contributions | $16,196,031 |
| Other contributions (incl. rollovers in) | $1,330,083 |
| Administrative expenses paid from the plan | $65,733 |
| Investment advisory & management fees | $48,540 |
| Other admin expenses | $299 |
| Benefits paid out | $26,332,522 |
| Net assets, start / end of year | $292.6M / $336.2M |
| Active participants, start / end of year | 2,061 / 2,054 |
| Participants with account balances | 2,447 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Windham Brannon |
Largest service providers (Schedule C)
| Sageview Advisory Group, LLC | $48,540 reported compensation |
| Empower Annuity Insurance Company O | $16,894 reported compensation |
| Qdro Consultants Company, LLC | $300 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251010172406NAL0004825747001, received 2025-10-10, EIN 27-1204330, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.