W.R. Berkley 401(k) Plan

Officially: W.R. BERKLEY CORPORATION PROFIT SHARING PLAN

The W.R. Berkley Corporation Profit Sharing Plan covered 9,194 total participants and 9,048 participants with account balances as of December 31, 2024, with $2.29 billion in net assets available for plan benefits. Fidelity Investments Institutional serves as recordkeeper and trustee, with CapFinancial Partners (CAPTRUST) as investment advisor and KPMG LLP as plan auditor. The Plan is a non-elective profit-sharing plan with auto-enrollment, where the company contributes a minimum of 5% of eligible earnings each year (60% to a vesting-subject Company Profit Sharing Account and 40% to a fully vested Tax-Deferred Contribution Account), in addition to allowing participant deferrals up to the IRS statutory limit.

Participants: 8,871 Plan assets: $2,293,383,287 Plan number: 001 Form 5500 plan year: 2024 Last verified: May 27, 2026 View Form 5500
Employer match
Non-elective employer profit sharing contribution of at least 5% of eligible earnings annually (no traditional match on participant deferrals)
Investment options
32
funds in the lineup
Auto-enrollment
Employees who do not make an election are automatically enrolled at 1% of earnings beginning the first payday on or after the 90th day following employment, with an Annual Increase Program escalating the contribution rate 1% per year up to

By Zac Murphy, CFA charterholder and CFP professional. Published May 27, 2026. Verified against Form 5500 plan year 2024.

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Answer 13 quick questions to find your risk profile and see which of five sample allocations fits.

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Fund lineup

Fund Asset Class Type
W. R. Berkley Corporation Common Stock Fund Company Stock Other
Fidelity Government Income Fund US Bonds Active
Fidelity Small Cap Growth K6 Fund US Small Cap Active
Fidelity Puritan Fund Other Active
JPMorgan Mid Cap Value Fund Class L US Mid Cap Active
Metropolitan West Total Return Bond Fund US Bonds Active
MFS International Diversification Fund R6 International Equity Active
Neuberger Berman Mid Cap Growth Fund Class R6 US Mid Cap Active
T. Rowe Price Small-Cap Value Fund I Class US Small Cap Active
Vanguard Inflation-Protected Securities Fund Institutional Shares US Bonds Active
Vanguard Equity-Income Fund Admiral Shares US Large Cap Active
FIAM Target Date 2010 Commingled Pool Class S Target-date Index
FIAM Target Date 2015 Commingled Pool Class S Target-date Index
FIAM Target Date 2020 Commingled Pool Class S Target-date Index
FIAM Target Date 2025 Commingled Pool Class S Target-date Index
FIAM Target Date 2030 Commingled Pool Class S Target-date Index
FIAM Target Date 2035 Commingled Pool Class S Target-date Index
FIAM Target Date 2040 Commingled Pool Class S Target-date Index
FIAM Target Date 2045 Commingled Pool Class S Target-date Index
FIAM Target Date 2050 Commingled Pool Class S Target-date Index
FIAM Target Date 2055 Commingled Pool Class S Target-date Index
FIAM Target Date 2060 Commingled Pool Class S Target-date Index
FIAM Target Date 2065 Commingled Pool Class S Target-date Index
FIAM Target Date Income Commingled Pool Class S Target-date Index
Fidelity Contrafund Commingled Pool US Large Cap Active
Fidelity Growth Company Commingled Pool US Large Cap Active
Managed Income Portfolio II Class 4 Stable Value Other
State Street Global All Cap Equity Ex-U.S. Index Securities Lending Series Fund Class II International Equity Index
State Street Russell Small/Mid Cap Index Securities Lending Series Fund Class II US Small Cap Index
State Street S&P 500 Index Securities Lending Series Fund Class II US Large Cap Index
State Street U.S. Bond Index Securities Lending Series Fund Class XIV US Bonds Index
Vanguard Federal Money Market Fund Money Market Other

Why our allocations use only index funds

The actively managed funds in this plan cost more per year than the plan's index funds, which run roughly 0.02% to 0.06%. Decades of research on long-term active fund performance do not support reliable outperformance net of fees, which is why the allocation ideas below may consider using only the low-cost index options.

Employer match

Match summary
Non-elective employer profit sharing contribution of at least 5% of eligible earnings annually (no traditional match on participant deferrals)
Match cap --
Effective match rate --
Vesting Employee deferrals, Roth, rollover, catch-up, and the 40% portion of employer contributions allocated to the Tax-Deferred account are 100% vested immediately; the 60% portion allocated to the Company Profit Sharing Account vests at 20% per
Waiting period Eligible to make Tax-Deferred, Roth, Catch-Up, and Rollover Contributions on the date first credited with an Hour-of-Ser

Sources

  • Plan metadata (employer, participants, assets, plan year): Form 5500 annual return/report, plan year 2024 -- view filing
  • Summary Plan Description (SPD) and fee disclosure (404a-5), where available from the plan administrator.

This page is for educational purposes only and does not constitute investment, tax, or legal advice, nor a recommendation to buy or sell any security. Information is drawn from public Form 5500 filings and plan documents and may be incomplete or out of date. You may consider consulting a qualified professional and confirming all details with your plan administrator before making decisions. Waterfall Planning is not affiliated with W.R. Berkley Corporation.

Find your risk profile

Answer 13 questions to see which allocation fits your situation.

Question 1 of 13

Risk assessment methodology based on Grable, J. E., & Lytton, R. H. (1999). Financial risk tolerance revisited: The development of a risk assessment instrument. Financial Services Review, 8, 163-181.

Allocation ideas

Five sample mixes built from this plan's funds, from conservative to growth. Take the assessment above to see which one fits your risk profile.

Recommended for you (based on your risk profile)
Conservative
Conservative

Capital preservation with minimal market exposure, built from bonds and stable value.

US equity   International   Bonds   Stable value
State Street U.S. Bond Index Securities Lending Series Fund Class XIV 70%
Managed Income Portfolio II Class 4 30%
0% stocks / 100% bonds
Recommended for you (based on your risk profile)
Income & A Little Growth
Income & A Little Growth

Mostly bonds with a small stock sleeve for modest growth.

US equity   International   Bonds   Stable value
State Street U.S. Bond Index Securities Lending Series Fund Class XIV 49%
Managed Income Portfolio II Class 4 21%
State Street S&P 500 Index Securities Lending Series Fund Class II 19%
State Street Global All Cap Equity Ex-U.S. Index Securities Lending Series Fund Class II 8%
State Street Russell Small/Mid Cap Index Securities Lending Series Fund Class II 3%
30% stocks / 70% bonds
Recommended for you (based on your risk profile)
Balanced
Balanced

A classic 60/40 split of stocks and bonds.

US equity   International   Bonds   Stable value
State Street S&P 500 Index Securities Lending Series Fund Class II 39%
State Street U.S. Bond Index Securities Lending Series Fund Class XIV 28%
State Street Global All Cap Equity Ex-U.S. Index Securities Lending Series Fund Class II 15%
Managed Income Portfolio II Class 4 12%
State Street Russell Small/Mid Cap Index Securities Lending Series Fund Class II 6%
60% stocks / 40% bonds
Recommended for you (based on your risk profile)
Growth & Income
Growth & Income

Stock-heavy with a bond cushion for a long horizon.

US equity   International   Bonds   Stable value
State Street S&P 500 Index Securities Lending Series Fund Class II 52%
State Street Global All Cap Equity Ex-U.S. Index Securities Lending Series Fund Class II 20%
State Street U.S. Bond Index Securities Lending Series Fund Class XIV 14%
State Street Russell Small/Mid Cap Index Securities Lending Series Fund Class II 8%
Managed Income Portfolio II Class 4 6%
80% stocks / 20% bonds
Recommended for you (based on your risk profile)
Growth
Growth

All stocks for maximum long-term growth potential, with higher short-term volatility.

US equity   International   Bonds   Stable value
State Street S&P 500 Index Securities Lending Series Fund Class II 65%
State Street Global All Cap Equity Ex-U.S. Index Securities Lending Series Fund Class II 25%
State Street Russell Small/Mid Cap Index Securities Lending Series Fund Class II 10%
100% stocks / 0% bonds
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These allocation ideas are educational illustrations built from this plan's available funds and a standard risk-tolerance assessment. They are not personalized investment advice or a recommendation, and risk tolerance is only one factor in an investment decision. You may consider consulting a qualified professional before making changes to your account.