Frontier Distribution Llc 401(k) Plan: Login, Facts & Contact Information

Frontier Distribution Llc 401(k) Plan Facts

Plan name
FRONTIER COOPERATIVE 401(K) PLAN
Plan type
401(k) with employer contributions and profit sharing
Plan sponsor
FRONTIER COOPERATIVE
Participants
709 (544 active employees)
Former employees with a balance
190
Plan assets
$53,593,750 at Dec 31, 2024
Average account balance
$77,336 across 693 accounts
Employer contributions
$1,147,281 in plan year 2024 (29% of all contributions)
Recordkeeper
Empower Annuity Insurance Company O
Plan year
Jan 1, 2024 – Dec 31, 2024
Plan established
Sep 1, 1990
✓ 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 6, 2025. Public filing with the U.S. Department of Labor.

Money in and out in plan year 2024

  • $3.98 million went into the plan in contributions, $1.15 million of it from the employer (29%).
  • $5.30 million was paid out to participants.
  • Investment and other income added $7.46 million.
  • Administrative expenses were $127,995, about $185 per account.

How the Frontier Distribution Llc 401(k) changed, 2019–2024

Plan yearParticipantsPlan assetsEmployer contributionsBenefits paid
2019695$35.4 million$924,402$2.62 million
2020739$41.6 million$1.08 million$2.09 million
2021770$48.3 million$1.17 million$3.95 million
2022778$41.8 million$1.11 million$2.92 million
2023697$47.6 million$1.05 million$5.45 million
2024709$53.6 million$1.15 million$5.30 million

Frontier Distribution Llc 401(k) Contact Information

Phone
319-227-7996
Mailing address
3021 78TH STREET, NORWAY IA 52318
Plan sponsor
FRONTIER COOPERATIVE
Employer identification number (EIN)
20-3013069
Plan number
001

Questions about the Frontier Distribution Llc 401(k)

Does Frontier Distribution Llc contribute to the 401(k)?

Yes. The plan reports an employer contribution arrangement. In plan year 2024 the employer contributed $1.15 million, 29% of all contributions.

Does the Frontier Distribution Llc 401(k) have automatic enrollment?

Yes. The plan reports automatic enrollment of eligible employees.

How many people are in the Frontier Distribution Llc 401(k) plan?

709 participants at the start of plan year 2024, 544 of them active employees, and 190 former employees who still had money in the plan.

What is the average 401(k) balance at Frontier Distribution Llc?

About $77,336 per account: $53.6 million in plan assets across 693 accounts with a balance at the end of plan year 2024.

Who manages the Frontier Distribution Llc 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 Frontier Distribution Llc. 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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