The Western And Southern Life Insurance Company 401(k) Plan: Login, Facts & Contact Information

The Western And Southern Life Insurance Company 401(k) Plan Facts

Plan name
WESTERN & SOUTHERN FINANCIAL GROUP EMPLOYEE RETIREMENT 401(K) SAVINGS PLAN
Plan type
401(k) with employer contributions and profit sharing
Plan sponsor
THE WESTERN AND SOUTHERN LIFE INSURANCE COMPANY
Participants
4,490 (3,257 active employees)
Former employees with a balance
1,019
Plan assets
$574,844,697 at Dec 31, 2024
Average account balance
$136,187 across 4,221 accounts
Employer contributions
$7,453,020 in plan year 2024 (20% of all contributions)
Recordkeeper
Empower Annuity Insurance Company
Plan year
Jan 1, 2024 – Dec 31, 2024
Plan established
Apr 1, 1989
✓ Employer contributions✓ Automatic enrollment✓ Default investment for undecided participants✓ Participants choose their own investments— Self-directed brokerage window✓ Profit sharing— Company stock (ESOP)

Source: Form 5500 for plan year 2024 (Jan 1, 2024 – Dec 31, 2024), filed Oct 14, 2025. Public filing with the U.S. Department of Labor.

Money in and out in plan year 2024

  • $37.7 million went into the plan in contributions, $7.45 million of it from the employer (20%).
  • $38.8 million was paid out to participants.
  • Investment and other income added $75.7 million.

How the The Western And Southern Life Insurance Company 401(k) changed, 2019–2024

Plan yearParticipantsPlan assetsEmployer contributionsBenefits paid
20194,768$370.1 million$6.27 million$28.6 million
20204,870$438.2 million$6.65 million$24.3 million
20214,975$503.5 million$4.72 million$30.2 million
20224,493$417.6 million$6.49 million$34.6 million
20234,327$500.3 million$7.11 million$32.0 million
20244,490$574.8 million$7.45 million$38.8 million

The Western And Southern Life Insurance Company 401(k) Contact Information

Phone
513-629-2146
Mailing address
PO BOX 5735, CINCINNATI OH 45202
Plan sponsor
THE WESTERN AND SOUTHERN LIFE INSURANCE COMPANY
Employer identification number (EIN)
31-0487145
Plan number
005

Questions about the The Western And Southern Life Insurance Company 401(k)

Does The Western And Southern Life Insurance Company contribute to the 401(k)?

Yes. The plan reports an employer contribution arrangement. In plan year 2024 the employer contributed $7.45 million, 20% of all contributions.

Does the The Western And Southern Life Insurance Company 401(k) have automatic enrollment?

Yes. The plan reports automatic enrollment of eligible employees.

How many people are in the The Western And Southern Life Insurance Company 401(k) plan?

4,490 participants at the start of plan year 2024, 3,257 of them active employees, and 1,019 former employees who still had money in the plan.

What is the average 401(k) balance at The Western And Southern Life Insurance Company?

About $136,187 per account: $574.8 million in plan assets across 4,221 accounts with a balance at the end of plan year 2024.

Who manages the The Western And Southern Life Insurance Company 401(k) accounts?

Empower (listed on the filing as EMPOWER ANNUITY INSURANCE COMPANY) is the plan's recordkeeper, which is where participants log in to see their balance.

I no longer work at The Western And Southern Life Insurance Company. How do I access my 401(k)?

Your account stays with Empower after you leave, so you can log in with the same credentials. If your balance was small, the plan may have rolled it into an IRA in your name. If you can't find it, Beagle can locate it for you.

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