The Hartford Insurance Group, Inc. 401(k) match: 6% max
The Hartford Investment and Savings Plan · HIG · CIK 874766
Maximum employer match, as a share of pay
6%
The Hartford Insurance Group, Inc. matches 100% (dollar-for-dollar) of the first 6% of pay.
From the Form 11-K filed June 23, 2026 ↗, covering the plan year ended December 31, 2025. Page data last updated July 28, 2026, when the Form 5500 bulk data was last refreshed. Why filings lag
On this page: what the employer actually paid in · the formula, word for word · when the money becomes yours · who can join · what the plan reports to the DOL · how it compares · what to do next
What Hartford Insurance puts in, and what the plan costs
What Hartford Insurance put into the plan, per active participant
$8,812
The Hartford Insurance Group, Inc. put $8,812 into this plan for each of its 18,645 active participants in plan year 2024. This is the whole employer side of the plan: matching money, profit sharing, non-elective and safe-harbor contributions, and reallocated forfeitures. The Form 5500 does not separate them, so this is what the employer put in and not the match.
Hartford Insurance put in more per active participant than 88% of plans with 5,000+ participants in insurance. The middle plan in that group of 98 reported $5,049. Insurance comes from business code 524290, which Hartford Insurance entered on its own Form 5500. Sponsors pick that code themselves, so a code that does not describe what the employer does ranks the plan against the wrong companies.
What this figure cannot separate: how much Hartford Insurance pays, and how much it puts in
This is dollars, not a rate. A Form 5500 carries no payroll, so the figure reflects both how much the employer puts in and how much the employer pays: two plans running the same formula report different amounts when one pays better. Crossing the peer group with industry holds most of that difference still, and none of it disappears.
This is one plan year, not an average. A true-up, a plan merger or a one-off contribution moves a single year on its own.
Source: DOL Form 5500 for the plan year ended December 31, 2024, EIN 060383750, plan 100 · DOL EFAST2 ↗
The $8,812 above is the Form 5500 figure for plan year 2024, and it counts every employer dollar on one line. The Hartford Insurance Group, Inc. also files a Form 11-K, which states the match formula for plan year 2025: the card below reads $2,970 a year at a $49,500 salary, and the same filing states employer contributions made outside the match. That second figure is what the formula pays one worker on that salary, and not an amount either filing reports. The two figures cover different plan years and measure different things, so neither one is the other one corrected.
What Hartford Insurance puts in
$2,970
a year, at a $49,500 salary.
The match paragraph, word for word
“The Company's contributions include a non-elective contribution of 2% of eligible compensation (“Non-elective Company contributions”) and a dollar-for-dollar matching contribution of up to 6% of eligible compensation contributed by the Member each pay period (“Matching Company contributions”). Prior to January 1, 2013, in addition to matching company contributions, the Company made floor company contributions equal to 0.5% of highly compensated eligible employees’ base salary and 1.5% of all other eligible employees’ base salary. In 2023, the Plan was amended to add a year end Matching Company contribution equal to the difference between the Matching Company contributions actually received by the Member for the plan year and the maximum Matching Company contribution that could have been received if the Matching Company contribution was made at the end of the plan year instead of at the end of each payroll period.”
What you contribute to collect all of it
Contribute at least 6% of your pay to collect the full match.
That is $2,970 a year at a $49,500 salary, and it scales with your own.
Vesting score
71.43 out of 100
How fast the employer’s money becomes yours. Higher than 32% of the 253 schedules we have scored.
It measures vesting speed and nothing else. It says nothing about the size of the match, what the plan charges, or the funds inside it.
Share of the employer's money that is the worker's at hire and at each of the first 6 anniversaries: 0%, 0%, 100%, 100%, 100%, 100%, 100%. The score is the average of those 7 readings.
Vesting, word for word
“Members are 100% vested at all times with respect to Member contributions and earnings thereon. Members are 100% vested in Matching Company contributions and Non-Elective Company contributions after two years of service. Notwithstanding the foregoing statement, a Member becomes fully vested in such Member’s Matching and Non-Elective Company contribution account upon retirement (for retirement eligible Members), disability, death, reaching age 65, or upon the complete discontinuance of all Company contributions or termination of the Plan.”
The plan tops the match up after year end, so contributing unevenly through the year does not cost the worker part of it.
The same match paragraph, word for word
“The Company's contributions include a non-elective contribution of 2% of eligible compensation (“Non-elective Company contributions”) and a dollar-for-dollar matching contribution of up to 6% of eligible compensation contributed by the Member each pay period (“Matching Company contributions”). Prior to January 1, 2013, in addition to matching company contributions, the Company made floor company contributions equal to 0.5% of highly compensated eligible employees’ base salary and 1.5% of all other eligible employees’ base salary. In 2023, the Plan was amended to add a year end Matching Company contribution equal to the difference between the Matching Company contributions actually received by the Member for the plan year and the maximum Matching Company contribution that could have been received if the Matching Company contribution was made at the end of the plan year instead of at the end of each payroll period.”
The wait before the match starts and the year-end true-up appear above when the filing states them. Neither is part of the score, and a filing that is silent on one of them is not a plan without it.
What the plan costs, against plans of its size
98th percentile
$237.34 per participant in plan-paid administrative cost, more expensive than 98% of plans with 5,000+ participants.
What is Hartford Insurance's 401(k) match formula?
Hartford Insurance's 401(k) employer match tops out at 6% of pay. The match is deposited each payroll and the plan pays an annual true-up. What an annual true-up repays is the arithmetic behind that line: it matters most in a year when contributions land unevenly.
| Match formula | 100% (dollar-for-dollar) of the first 6% of pay |
|---|---|
| Maximum employer match | 6% of compensation |
| True-upA year-end recalculation that repays match lost to uneven contributions. | Yes, annual true-up |
| Deposited | Each payroll |
| Other employer contribution | Non-elective Company contribution of 2% of eligible compensation |
| Other employer contribution | Prior to January 1, 2013, floor company contributions equal to 0.5% of highly compensated eligible employees' base salary and 1.5% of all other eligible employees' base salary (discontinued) |
At a $75,000 salary, contributing 6% ($4,500) earns the full employer match of $4,500 for the year.
What the filing says, word for word
“The Company's contributions include a non-elective contribution of 2% of eligible compensation (“Non-elective Company contributions”) and a dollar-for-dollar matching contribution of up to 6% of eligible compensation contributed by the Member each pay period (“Matching Company contributions”). Prior to January 1, 2013, in addition to matching company contributions, the Company made floor company contributions equal to 0.5% of highly compensated eligible employees’ base salary and 1.5% of all other eligible employees’ base salary. In 2023, the Plan was amended to add a year end Matching Company contribution equal to the difference between the Matching Company contributions actually received by the Member for the plan year and the maximum Matching Company contribution that could have been received if the Matching Company contribution was made at the end of the plan year instead of at the end of each payroll period.”
Source: Form 11-K filed June 23, 2026, SEC EDGAR, corroborated by the filing's inline-XBRL facts · SEC ↗
What is Hartford Insurance's 401(k) vesting schedule?
Hartford Insurance vests the employer match on a cliff schedule: nothing is yours until two years of service, then 100% at once. Leave a day early and the employer money goes back to the plan, the edge a two-year cliff creates.
| Employer match vesting | Cliff: 100% vested after 2 years of service |
|---|---|
| Your own contributions | Immediate: always 100% yours |
| Accelerated vesting | Full vesting upon retirement (for retirement eligible Members), disability, death, reaching age 65, complete discontinuance of all Company contributions, or termination of the Plan; prior to the January 1, 2024 amendment, certain participants did not become 100% vested until after three years of service |
| Other employer contributions | Non-Elective Company contributions are 100% vested after two years of service, with the same acceleration triggers as the match |
Vesting, word for word
“Members are 100% vested at all times with respect to Member contributions and earnings thereon. Members are 100% vested in Matching Company contributions and Non-Elective Company contributions after two years of service. Notwithstanding the foregoing statement, a Member becomes fully vested in such Member’s Matching and Non-Elective Company contribution account upon retirement (for retirement eligible Members), disability, death, reaching age 65, or upon the complete discontinuance of all Company contributions or termination of the Plan.”
Source: Form 11-K filed June 23, 2026, SEC EDGAR · SEC ↗
Who can join Hartford Insurance's 401(k), and is enrollment automatic?
Hartford Insurance enrolls new hires automatically at 6% of pay, rising 1% a year to 15% of pay.
| Plan entry | Substantially all full-time and part-time employees of the Company |
|---|---|
| Match eligibility | Effective January 1, 2024, the Plan no longer requires 90 days of service before participants are eligible to receive Matching Company contributions and Non-Elective Company contributions |
| Automatic enrollment | Yes: default deferral 6% of pay; auto-escalation +1%/yr to 15% |
Eligibility, word for word
“Effective January 1, 2024, the Plan was amended to: •No longer require 90 days of service before participants are eligible to receive Matching Company contributions and Non-Elective Company contributions; and”
Automatic enrollment, word for word
“If Members do not elect otherwise, they are automatically enrolled to make before-tax contributions equal to 6% of eligible compensation. In addition, Members are enrolled in the Automatic Increase Feature, which will increase the amount they contribute from their regular pay by 1% on an annual basis each April, unless they elect otherwise, up to a maximum contribution of 15%.”
Source: Form 11-K filed June 23, 2026, SEC EDGAR · SEC ↗
What does the Hartford Insurance plan report on Form 5500?
The Hartford Insurance plan reported $7.2B in assets and 31,128 participants for plan year 2024.
| Total plan assets | $7,183,243,000 |
|---|---|
| Participants | 31,128 |
| Recordkeeper | Fidelity Workplace Services LLC (Recordkeeper); State Street Bank And Trust Company (Trustee); Newport Trust Company (Fiduciary For The Hartford Stock Fund) |
| Plan-paid admin cost per participant | $237.34 |
How that cost compares
This plan pays $237.34 per participant. The median across plans in insurance is $119.27, from the 1,004 of 1,068 whose Form 5500 yields a per-participant cost.
The Hartford Investment And Savings Plan on its Form 5500 filing: fees, providers and financials
How does Hartford Insurance's 401(k) match compare?
The Hartford Insurance Group, Inc.'s maximum 401(k) match of 6% of pay compares with a median of 4.5% across the 181 companies in our data with a computable formula.
Employers worth reading next
Of the six employers below, three file in insurance, two land near Hartford Insurance's maximum match and one vests on the same schedule.
Maximum match 6% of pay. Also in insurance.
Maximum match 6% of pay. Also in insurance.
Maximum match 5% of pay. Also in insurance.
Maximum match 6% of pay, level with Hartford Insurance.
Maximum match 6% of pay, level with Hartford Insurance.
Maximum match 4% of pay. Same 2-year cliff as Hartford Insurance.
Compare The Hartford Insurance Group, Inc. with any company, side by side
What can you do next?
Check your own balance and contribution rate at Fidelity NetBenefits ↗, the recordkeeper this plan reports.
- Read the Form 11-K on SEC EDGAR ↗
Form 11-K filed June 23, 2026, SEC EDGAR. Every match fact on this page comes from it.
- Changed jobs? Find an old 401(k) ↗
The Department of Labor's Retirement Savings Lost & Found, a free government database.
- This year's IRS contribution limits ↗
The official deferral and catch-up limits every formula operates under.
- Download this data (CSV)
Formula, vesting and source references for this company, one file.
Questions this filing answers
What is The Hartford Insurance Group, Inc.'s 401(k) match?
The Hartford Insurance Group, Inc. matches 100% of employee contributions up to 6% of eligible pay (plan year ended December 31, 2025).
When does the The Hartford Insurance Group, Inc. 401(k) match vest?
Cliff: 100% vested after 2 years of service.
Does The Hartford Insurance Group, Inc.'s 401(k) plan have automatic enrollment?
Yes: default deferral 6% of pay; auto-escalation +1%/yr to 15%.
Cite: 401(k) Monitor, “The Hartford Insurance Group, Inc. 401(k) plan facts”, from SEC Form 11-K accession 0000874766-26-000047, plan year ended 2025-12-31.