Frankenmuth Mutual Insurance Co 401(k) Plan: Login, Facts & Contact Information

Frankenmuth Mutual Insurance Co 401(k) Plan Facts

Plan name
FRANKENMUTH INSURANCE 401(K) SAVINGS PLAN
Plan type
401(k) with employer contributions and profit sharing
Plan sponsor
FRANKENMUTH INSURANCE COMPANY
Participants
1,041 (880 active employees)
Former employees with a balance
136
Plan assets
$231,793,984 at Dec 31, 2024
Average account balance
$220,756 across 1,050 accounts
Employer contributions
$4,667,726 in plan year 2024 (33% of all contributions)
Recordkeeper
Empower Annuity Insurance Company O
Plan year
Jan 1, 2024 – Dec 31, 2024
Plan established
Dec 31, 1969
✓ 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 Aug 15, 2025. Public filing with the U.S. Department of Labor.

Money in and out in plan year 2024

  • $14.2 million went into the plan in contributions, $4.67 million of it from the employer (33%).
  • $23.0 million was paid out to participants.
  • Investment and other income added $29.1 million.
  • Administrative expenses were $208,412, about $198 per account.

How the Frankenmuth Mutual Insurance Co 401(k) changed, 2019–2024

Plan yearParticipantsPlan assetsEmployer contributionsBenefits paid
2019873$169.1 million$3.26 million$10.7 million
2020909$197.5 million$3.44 million$11.4 million
2021935$223.6 million$3.72 million$12.8 million
2022954$181.5 million$3.93 million$18.7 million
2023989$211.7 million$4.27 million$16.9 million
20241,041$231.8 million$4.67 million$23.0 million

Frankenmuth Mutual Insurance Co 401(k) Contact Information

Phone
989-652-6121
Mailing address
ONE MUTUAL AVENUE, FRANKENMUTH MI 48787
Plan sponsor
FRANKENMUTH INSURANCE COMPANY
Employer identification number (EIN)
38-0555290
Plan number
001

Questions about the Frankenmuth Mutual Insurance Co 401(k)

Does Frankenmuth Mutual Insurance Co contribute to the 401(k)?

Yes. The plan reports an employer contribution arrangement. In plan year 2024 the employer contributed $4.67 million, 33% of all contributions.

Does the Frankenmuth Mutual Insurance Co 401(k) have automatic enrollment?

Yes. The plan reports automatic enrollment of eligible employees.

How many people are in the Frankenmuth Mutual Insurance Co 401(k) plan?

1,041 participants at the start of plan year 2024, 880 of them active employees, and 136 former employees who still had money in the plan.

What is the average 401(k) balance at Frankenmuth Mutual Insurance Co?

About $220,756 per account: $231.8 million in plan assets across 1,050 accounts with a balance at the end of plan year 2024.

Who manages the Frankenmuth Mutual Insurance Co 401(k) accounts?

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

I no longer work at Frankenmuth Mutual Insurance Co. 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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