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Original filing (PDF)20250710131243NAL0008715056001
PACIFIC LIFE INSURANCE COMPANY
Form 5500
FILING_RECEIVED
PACIFIC LIFE INSURANCE COMPANY RETIREMENT INCENTIVE SAVINGS PLAN
401(k) retirement plan
Signals · 2
No recordkeeper disclosed6 service providers
Active participants
3,436
Accounts w/ balance
5,035
Plan assets (EOY)
$1.8B
Net assets (EOY)
$1.8B
How this plan invests
This plan
26 pooled trusts
Schedule D
31 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
98
/ 100
Grade A
Top-tier plan health
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
100
Concentration risk
100
Total plan cost
100
Vendor stack
80
Participation health
100
Knocking points off
- No recordkeeper disclosed on Schedule C.
Helping the score
- Below-peer total fees (3 bps vs 5 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for PACIFIC LIFE INSURANCE COMPANY.
Plan sponsor
Name
PACIFIC LIFE INSURANCE COMPANY
EIN
95-1079000
Address
700 NEWPORT CENTER DRIVE · NEWPORT BEACH, CA · 926606397
Phone
(949) 219-3557
Industry
Finance & Insurancesee all
Plan administrator
Name
PACIFIC LIFE BENEFIT PLANS COMMITTEE
EIN
95-1079000
City
NEWPORT BEACH, CA
Phone
(949) 219-3557
Plan characteristics
Plan number
007
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-07-10
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2S · Automatic enrollment
2T · Default investment account (QDIA)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
DELOITTE & TOUCHE LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
6 rowsAdvisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MERCER INV CONSULTING | 61-0736136 | — | INVESTMENT ADVISORY | $96K | — |
TPA / Administrator
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PRINCIPAL LIFE INSURANCE COMPANY | 42-0127290 | — | CONTRACT ADMINISTRATOR | $297K | — |
| METROPOLITAN LIFE INSURANCE | 13-5581826 | — | CONTRACT ADMINSTRATOR | $100K | — |
Accountant / Auditor
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| DELOITTE & TOUCHE LLP | 13-3891517 | — | ACCOUNTANT | $59K | — |
Legal counsel
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| GROOM LAW GROUP | 52-1219029 | — | LEGAL | $18K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MORNINGSTAR INVESTMENT MANAGEMENT L | 36-4317381 | — | INV ADV, PARTICIPANTS | $0 | — |
Investments
24 direct securities · 26 pooled funds· $2.7B(100% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Click one to drill into its own Schedule of Assets — where the individual funds, shares, and CUSIPs live.
Common Collective Trust
$1.6B
26 holdings
Uncategorized
$1.1B
24 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| VANGUARD INST 500 INDEX TRUST VANGUARD FIDUCIARY TRUST COMPANY · EIN 81-6327546 / PN 001 | Common Collective Trust | — | — | $321.8M | 18.1% | |
| HARBOR CAPITAL APPREC CIT CL R HARBOR TRUST COMPANY, INC. · EIN 84-4022934 / PN 001 | Common Collective Trust | — | — | $165.3M | 9.3% | |
| GALLIARD INTERMEDIATE CORE FUND L SEI TRUST COMPANY · EIN 27-6635237 / PN 001 | Common Collective Trust | — | — | $139.4M | 7.8% | |
| BOSTON PARTNERS LC VAL EQ D FD BOSTON PARTNERS TRUST COMPANY · EIN 61-1603964 / PN 001 | Common Collective Trust | — | — | $102.4M | 5.8% | |
| GALLIARD SHORT CORE FUND F SEI TRUST COMPANY · EIN 52-2252204 / PN 001 | Common Collective Trust | — | — | $101.5M | 5.7% | |
| Vanguard Institutional Extended Market Index Fund Common Collective Trust | — | — | — | $93.4M | 5.3% | |
| VANGUARD INSTL EXT MKT INDX TR VANGUARD FIDUCIARY TRUST COMPANY · EIN 81-6324211 / PN 001 | Common Collective Trust | — | — | $93.4M | 5.3% | |
| Vanguard Target Retirement 2035 Trust Fund Common Collective Trust | — | — | — | $80.7M | 4.5% | |
| VGD TRGT RTMT 2035 TRUST II VANGUARD GROUP · EIN 90-6083976 / PN 001 | Common Collective Trust | — | — | $80.7M | 4.5% | |
| Vanguard Target Retirement 2045 Trust Fund Common Collective Trust | — | — | — | $68.3M | 3.8% | |
| VGD TRGT RTMT 2045 TRUST II VANGUARD GROUP · EIN 90-6083972 / PN 001 | Common Collective Trust | — | — | $68.3M | 3.8% | |
| Prudential Life Insurance Company Synthetic Guaranteed Contract | — | — | — | $65.3M | 3.7% | |
| Metropolitan Tower Life Insurance Company Synthetic Guaranteed Contract | — | — | — | $64.9M | 3.6% | |
| Harbor Small Cap Growth Fund Mutual Fund | — | — | — | $64.5M | 3.6% | |
| American General Life Insurance Company Synthetic Guaranteed Contract | — | — | — | $64.2M | 3.6% | |
| Vanguard Target Retirement 2040 Trust Fund Common Collective Trust | — | — | — | $62.3M | 3.5% | |
| VGD TRGT RTMT 2040 TRUST II VANGUARD GROUP · EIN 90-6083974 / PN 001 | Common Collective Trust | — | — | $62.3M | 3.5% | |
| Transamerica Premier Life Insurance Company Synthetic Guaranteed Contract | — | — | — | $60.1M | 3.4% | |
| Vanguard Target Retirement 2030 Trust Fund Common Collective Trust | — | — | — | $58.9M | 3.3% | |
| VGD TRGT RTMT 2030 TRUST II VANGUARD GROUP · EIN 90-6083978 / PN 001 | Common Collective Trust | — | — | $58.9M | 3.3% | |
| Vanguard Target Retirement 2050 Trust Fund Common Collective Trust | — | — | — | $58.4M | 3.3% | |
| VGD TRGT RTMT 2050 TRUST II VANGUARD GROUP · EIN 90-6083970 / PN 001 | Common Collective Trust | — | — | $58.4M | 3.3% | |
| METWEST TOTAL RETURN BD Z1 FD SEI TRUST COMPANY · EIN 26-3015340 / PN 030 | Common Collective Trust | — | — | $51.6M | 2.9% | |
| Vanguard Target Retirement 2025 Trust Fund Common Collective Trust | — | — | — | $46.2M | 2.6% | |
| VGD TRGT RTMT 2025 TRUST II VANGUARD GROUP · EIN 90-6083980 / PN 001 | Common Collective Trust | — | — | $46.2M | 2.6% | |
| Vanguard Target Retirement 2055 Trust Fund Common Collective Trust | — | — | — | $43.7M | 2.5% | |
| VGD TRGT RTMT 2055 TRUST II VANGUARD GROUP · EIN 27-6715091 / PN 001 | Common Collective Trust | — | — | $43.7M | 2.5% | |
| Dodge and Cox International Stock Fund Mutual Fund | — | — | — | $41.5M | 2.3% | |
| WILLIAM BLAIR INTL GRWTH CL 3 GLOBAL TRUST COMPANY-WILLIAM BLAIR · EIN 27-6331814 / PN 002 | Common Collective Trust | — | — | $40.2M | 2.3% | |
| Victory Integrity Small Cap Value Fund Common Collective Trust | — | — | — | $32.5M | 1.8% | |
| VICTORY INT SM CP VL CIT CL C GLOBAL TRUST COMPANY · EIN 80-6249702 / PN 016 | Common Collective Trust | — | — | $32.5M | 1.8% | |
| Vanguard Institutional Total International Stock Market Index Trust Common Collective Trust | — | — | — | $32.4M | 1.8% | |
| VANGUARD INSTL TTL INT SM IND VANGUARD FIDUCIARY TRUST COMPANY · EIN 81-6317280 / PN 001 | Common Collective Trust | — | — | $32.4M | 1.8% | |
| VANGUARD INSTL TTL BND MKT TRS VANGUARD FIDUCIARY TRUST COMPANY · EIN 81-6321044 / PN 001 | Common Collective Trust | — | — | $28.9M | 1.6% | |
| Vanguard Institutional Bond Market Index Trust Common Collective Trust | — | — | — | $28.9M | 1.6% | |
| PRINCIPAL US REIT FUND TIER II PRINCIPAL GLOBAL INVESTORS TRUST CO · EIN 82-2725212 / PN 001 | Common Collective Trust | — | — | $27.2M | 1.5% | |
| Vanguard Inflation-Protected Securities Fund Mutual Fund | — | — | — | $25.3M | 1.4% | |
| Vanguard Target Retirement 2060 Trust Fund Common Collective Trust | — | — | — | $23.9M | 1.3% | |
| VGD TRGT RTMT 2060 TRUST II VANGUARD GROUP · EIN 45-3799419 / PN 001 | Common Collective Trust | — | — | $23.9M | 1.3% | |
| Vanguard Target Retirement 2020 Trust Fund Common Collective Trust | — | — | — | $14.6M | 0.8% | |
| VGD TRGT RTMT 2020 TRUST II VANGUARD GROUP · EIN 90-6083982 / PN 001 | Common Collective Trust | — | — | $14.6M | 0.8% | |
| Vanguard Target Retirement Income Trust Fund Common Collective Trust | — | — | — | $11.4M | 0.6% | |
| VGD TRGT RTMT INC TRUST II VANGUARD GROUP · EIN 90-6083967 / PN 001 | Common Collective Trust | — | — | $11.4M | 0.6% | |
| Vanguard Target Retirement 2065 Trust Fund Common Collective Trust | — | — | — | $9.8M | 0.6% | |
| VGD TRGT RTMT 2065 TRUST II VANGUARD FIDUCIARY TRUST COMPANY · EIN 82-6194314 / PN 001 | Common Collective Trust | — | — | $9.8M | 0.6% | |
| WELLS FARGO SHORT TERM INV FD S WELLS FARGO BANK · EIN 41-6292499 / PN 001 | Common Collective Trust | — | — | $8.3M | 0.5% | |
| NOTES RECEIVABLE FROM PARTICIPANTS (Interest rates ranging from 4.25% to 9.50%, maturing from 2025 to 2029) | — | — | — | $8.1M | 0.5% | |
| Vanguard Target Retirement 2070 Trust Fund Common Collective Trust | — | — | — | $2.8M | 0.2% | |
| VGD TRGT RTMT 2070 TRUST II VANGUARD FIDUCIARY TRUST COMPANY · EIN 87-7039453 / PN 001 | Common Collective Trust | — | — | $2.8M | 0.2% | |
| TCW METWEST TOT RET BOND C FD SEI TRUST COMPANY · EIN 26-3015340 / PN 001 | Common Collective Trust | — | — | $0 | <0.1% |