Document
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
_________________
FORM 11-K
(Mark One)
  ANNUAL REPORT PURSUANT TO SECTION 15(D) OF THE Securities  EXCHANGE ACT OF 1934

        For the fiscal year ended December 31, 2018
OR
o TRANSITION  REPORT PURSUANT TO SECTION 15(D) OF THE Securities EXCHANGE ACT OF 1934

        For the transition period from ____________ to ______________
Commission file number: 1-8993 
A.  Full title of the plan and the address of the plan, if different from that of the issuer named
        below:

        White Mountains Retirement Plan

B.  Name of issuer of the securities held pursuant to the plan and the address of its principal
        executive office:

        White Mountains Insurance Group, Ltd.
        80 South Main Street
        Hanover, NH 03755




REQUIRED INFORMATION

1.Not applicable.

2.Not applicable.

3.Not applicable.

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(c) of ERISA and the regulations thereunder, the Plan is not required to file audited financial statements because the Plan has fewer than 100 participants. Attached hereto is a copy of the Plan's Summary Annual Report and Schedule I to the Form 5500 that the Plan has filed with the Employee Benefits Security Administration.


Summary Annual Report and Schedule I to the Form 5500
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https://cdn.kscope.io/076b9cec5d4cc0508104af18921e783c-scheduleitoform5500_2018xp.jpg

SIGNATURES
        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.



WHITE MOUNTAINS RETIREMENT PLAN

DATED: May 3, 2019

By:


/s/ Wesley Bell 
 Wesley C. Bell
Authorized Representative