# EDGAR Filing Document

**Accession Number:** 0000776867
**File Stem:** 0000776867-25-000010
**Filing Date:** 2025-7
**Character Count:** 4153
**Document Hash:** 6d1dcf4d8876a4cf3f36d88d0f8e4e54
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000776867-25-000010.hdr.sgml**: 20250707

**ACCESSION NUMBER**: 0000776867-25-000010

**CONFORMED SUBMISSION TYPE**: 11-K

**PUBLIC DOCUMENT COUNT**: 4

**CONFORMED PERIOD OF REPORT**: 20241231

**FILED AS OF DATE**: 20250707

**DATE AS OF CHANGE**: 20250707

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** WHITE MOUNTAINS INSURANCE GROUP LTD
- **CENTRAL INDEX KEY:** 0000776867
- **STANDARD INDUSTRIAL CLASSIFICATION:** FIRE, MARINE & CASUALTY INSURANCE [6331]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 942708455
- **STATE OF INCORPORATION:** D0
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 11-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 001-08993
- **FILM NUMBER:** 251108030

**BUSINESS ADDRESS:**
- **STREET 1:** 23 SOUTH MAIN STREET
- **STREET 2:** SUITE 3B
- **CITY:** HANOVER
- **STATE:** NH
- **ZIP:** 03755
- **BUSINESS PHONE:** 603 640 2200

**MAIL ADDRESS:**
- **STREET 1:** 23 SOUTH MAIN STREET
- **STREET 2:** SUITE 3B
- **CITY:** HANOVER
- **STATE:** NH
- **ZIP:** 03755

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** WHITE MOUNTAINS INSURANCE GROUP INC
- **DATE OF NAME CHANGE:** 19990603

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** FUND AMERICAN ENTERPRISES HOLDINGS INC
- **DATE OF NAME CHANGE:** 19920703

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** FUND AMERICAN COMPANIES INC
- **DATE OF NAME CHANGE:** 19920701

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

**_________________**

**FORM 11-K**

(Mark One)

**&nbsp;&nbsp;&nbsp;&nbsp;ANNUAL REPORT PURSUANT TO SECTION 15(D) OF THE Securities EXCHANGE ACT OF 1934**

&nbsp;&nbsp;&nbsp;&nbsp;For the fiscal year ended December 31, 2024

OR

□&nbsp;&nbsp;&nbsp;&nbsp;**TRANSITION REPORT PURSUANT TO SECTION 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934**

**&nbsp;&nbsp;&nbsp;&nbsp;**For the transition period from ____________ to ______________

**Commission file number**: 1-8993

A. &nbsp;&nbsp;&nbsp;&nbsp;Full title of the plan and the address of the plan, if different from that of the issuer named

&nbsp;&nbsp;&nbsp;&nbsp;below:

&nbsp;&nbsp;&nbsp;&nbsp;**White Mountains Retirement Plan**

B. &nbsp;&nbsp;&nbsp;&nbsp;Name of issuer of the securities held pursuant to the plan and the address of its principal

&nbsp;&nbsp;&nbsp;&nbsp;executive office:

&nbsp;&nbsp;&nbsp;&nbsp;**White Mountains Insurance Group, Ltd.**

**&nbsp;&nbsp;&nbsp;&nbsp;23 South Main Street, Suite 3B**

**&nbsp;&nbsp;&nbsp;&nbsp;Hanover, NH 03755**

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**REQUIRED INFORMATION**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.Not applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.Not applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.Not applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.The White Mountains Retirement Plan (the "Plan"), is subject to the requirements of the Employee Retirement lncome Security Act of 1974 ("ERISA"). Pursuant to Section 103 of ERISA and the regulations thereunder, the Plan is not required to file audited financial statements because the Plan has fewer than 100 participants and met the audit waiver conditions for the plan year beginning January 1, 2024. Attached hereto is a copy of the Plan's Summary Annual Report and Schedule I to the Form 5500 that the Plan has filed or will file with the Employee Benefits Security Administration.

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**Summary Annual Report and Schedule I to the Form 5500**

![imagea.jpg](imagea.jpg)

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![image1a.jpg](image1a.jpg)

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![image2a.jpg](image2a.jpg)

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**SIGNATURES**

&nbsp;&nbsp;&nbsp;&nbsp;*The Plan*. Pursuant to the requirements of the Securities Exchange Act of 1934, the trustees (or other persons who administer the employee benefit plan) have duly caused this annual report to be signed on its behalf by the undersigned hereunto duly authorized.

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| | | |
|:---|:---|:---|
|  | WHITE MOUNTAINS RETIREMENT PLAN | WHITE MOUNTAINS RETIREMENT PLAN |
| DATED: July 7, 2025 | By: | <br><u>/s/ Wesley Bell</u> <br>&nbsp;&nbsp;&nbsp;&nbsp;Wesley Bell<br>&nbsp;&nbsp;&nbsp;&nbsp;*Authorized Representative* |

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