Employers Mutual Casualty Company 401(k) Plan: Login, Facts & Contact Information

Employers Mutual Casualty Company 401(k) Plan Facts

Plan name
EMPLOYERS MUTUAL CASUALTY COMPANY 401(K) SAVINGS PLAN
Plan type
401(k) with employer contributions and profit sharing
Plan sponsor
EMC INSURANCE COMPANIES
Participants
3,060 (2,130 active employees)
Former employees with a balance
648
Plan assets
$555,020,121 at Dec 31, 2024
Average account balance
$188,718 across 2,941 accounts
Employer contributions
$8,723,517 in plan year 2024 (25% of all contributions)
Recordkeeper
Empower Annuity Insurance Company
Plan year
Jan 1, 2024 – Dec 31, 2024
Plan established
Jan 1, 1987
✓ Employer contributions✓ Automatic enrollment✓ Default investment for undecided participants✓ Participants choose their own investments— Self-directed brokerage window✓ Profit sharing— Company stock (ESOP)

Source: Form 5500 for plan year 2024 (Jan 1, 2024 – Dec 31, 2024), filed Oct 14, 2025. Public filing with the U.S. Department of Labor.

Money in and out in plan year 2024

  • $35.6 million went into the plan in contributions, $8.72 million of it from the employer (25%).
  • $68.0 million was paid out to participants.
  • Investment and other income added $62.6 million.
  • Administrative expenses were $85,945, about $29 per account.

How the Employers Mutual Casualty Company 401(k) changed, 2019–2024

Plan yearParticipantsPlan assetsEmployer contributionsBenefits paid
20193,095$456.0 million$7.90 million$40.3 million
20203,126$513.4 million$8.01 million$37.5 million
20213,095$569.0 million$7.85 million$60.3 million
20223,028$466.4 million$7.92 million$62.6 million
20233,061$524.9 million$8.42 million$47.6 million
20243,060$555.0 million$8.72 million$68.0 million

Employers Mutual Casualty Company 401(k) Contact Information

Phone
515-345-4461
Mailing address
717 MULBERRY STREET, DES MOINES IA 503093810
Plan sponsor
EMC INSURANCE COMPANIES
Employer identification number (EIN)
42-0234980
Plan number
002

Questions about the Employers Mutual Casualty Company 401(k)

Does Employers Mutual Casualty Company contribute to the 401(k)?

Yes. The plan reports an employer contribution arrangement. In plan year 2024 the employer contributed $8.72 million, 25% of all contributions.

Does the Employers Mutual Casualty Company 401(k) have automatic enrollment?

Yes. The plan reports automatic enrollment of eligible employees.

How many people are in the Employers Mutual Casualty Company 401(k) plan?

3,060 participants at the start of plan year 2024, 2,130 of them active employees, and 648 former employees who still had money in the plan.

What is the average 401(k) balance at Employers Mutual Casualty Company?

About $188,718 per account: $555.0 million in plan assets across 2,941 accounts with a balance at the end of plan year 2024.

Who manages the Employers Mutual Casualty Company 401(k) accounts?

Empower (listed on the filing as EMPOWER ANNUITY INSURANCE COMPANY) is the plan's recordkeeper, which is where participants log in to see their balance.

I no longer work at Employers Mutual Casualty Company. How do I access my 401(k)?

Your account stays with Empower after you leave, so you can log in with the same credentials. If your balance was small, the plan may have rolled it into an IRA in your name. If you can't find it, Beagle can locate it for you.

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