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, 2021

OR

oTRANSITIONREPORT 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.

    23 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 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, 2021. 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.

Summary Annual Report and Schedule I to the Form 5500

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: June 14, 2022	By:	/s/ Wesley Bell     Wesley Bell    Authorized Representative