# International Business Machines Corporation Health & Welfare Plan
Source: https://planprovider.pro/companies/international-business-machines-corporation-130871985-519

> International Business Machines Corporation's Health & Welfare plan: 46,188 participants, plan year 2024 financials, providers, and benchmarks from Form 5500.

Form 5500 filing data for plan year 2024.

## Plan Snapshot

- **Plan Sponsor:** International Business Machines Corporation

- **Sponsor EIN:** 130871985

- **Sponsor Address:** ONE NEW ORCHARD ROAD, MD 261, ARMONK, NY, 10504

- **Plan Type:** Health & Welfare

- **Plan Number:** 519

- **Total Participants:** 46,188

- **Total Assets:** $33.6M

## Key Plan Design Features

- **Auto-Enrollment:** No

- **Auto-Escalation:** No

- **Allows Roth Contributions:** No

- **Participant Loans:** No

- **Participant-Directed Investments:** No

- **ERISA Section 404(c) Fiduciary Safe Harbor:** No

## Plan Financials by Year

| Year|Participants|Total Assets|Employer Contrib.|Employee Contrib.|

| 2024|46,188|$33.6M|$668.9M|$164.2M|

| 2023|50,667|$29.7M|$597.9M|$159.9M|

| 2022|53,360|$35.4M|$509.7M|$181.7M|

## Service Providers (Schedule C)

Vendors paid $5,000 or more for services to the plan, ranked by total compensation (direct + indirect fees).

| Provider Name|
Role|
Direct Compensation|
Indirect Compensation|
Total Fees|

| AETNA|Other Service Provider|$12,899,460|—|$12,899,460|

| ANTHEM INSURANCE|Other Service Provider|$11,714,941|—|$11,714,941|

| FIDELITY|Recordkeeper|$8,077,238|—|$8,077,238|

| CVS CAREMARK|Other Service Provider|$4,605,402|—|$4,605,402|

| MEQUILIBRIUM|Other Service Provider|$1,269,715|—|$1,269,715|

| VIRGIN PULSE|Other Service Provider|$1,144,765|—|$1,144,765|

| MERCER|Investment Advisor|$656,963|—|$656,963|

| WILLIS TOWERS WATSON|Recordkeeper|$476,165|—|$476,165|

| ERNST & YOUNG|Auditor|$404,249|—|$404,249|

| MERATIVE|Other Service Provider|$253,092|—|$253,092|

| KPMG|Auditor|$180,000|—|$180,000|

| ISLAND PEER REVIEW ORGANIZATION|Other Service Provider|$35,255|—|$35,255|

| CORE SOLUTIONS (MEDIFIT)|Other Service Provider|$33,673|—|$33,673|

| ALTERITY|Other Service Provider|$13,450|—|$13,450|

### Verified Provider Profiles

Direct links to verified profiles of matched retirement plan providers on PlanProvider.Pro:

- [FIDELITY](https://planprovider.pro/provider/fidelity-investments) — Recordkeeper

- [MERCER](https://planprovider.pro/provider/mercer-advisors) — Investment Advisor

- [WILLIS TOWERS WATSON](https://planprovider.pro/provider/lincoln-financial-group) — Recordkeeper

- [ERNST & YOUNG](https://planprovider.pro/provider/ernst-and-young-llp) — Auditor

- [KPMG](https://planprovider.pro/provider/kpmg-llp) — Auditor

## Plan Fees & Expenses

Annual service provider fees and administrative expenses sourced from DOL Form 5500 filings.

- **Total Service Provider Fees:** $41,764,368

- **Estimated Expense Ratio:** 124.459% of plan assets

### Historical Administrative Expenses

Breakdown of administrative expense categories reported on Form 5500 filings.

| Year|
Total Admin Expenses|
Investment Mgmt Fees|
Contract Admin Fees|
IQPA Audit Fees|
Professional Fees|

| 2024|$45,095,457|—|$45,095,457|—|—|

| 2023|$44,834,277|—|$44,834,277|—|—|

| 2022|$49,928,294|—|$49,928,294|—|—|

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