2025 401(k) Plan Employer-paid Expense Estimates

Each year, NRECA invoices each participating cooperative directly for its 401(k) Pension Plan employer-paid expenses. To help co-ops plan for their 2025 expenses, an estimate of this expense is prepared for each co-op by subgroup. An email containing co-op-specific estimates will be sent the week of September 23, 2024 to CEOs and primary benefits administrators.

For 2025, the estimated employer-paid expense rate will be be 0.0948%, which is a slight decrease from 0.1098% in 2024. This decrease is attributed to the overall increase of active assets in the plan during the first part of the year. 

Invoices in late December
The estimates for each co-op are for the full year and are based on a calculation using active employees’ account balances as of July 1, 2024. Actual 2025 invoices will be provided on the NRECA Employee Benefits website to those with benefits administrator access in late December 2024.

For more information about your co-op’s estimated 401(k) Plan employer expense for 2025, contact your field representative or the Member Contact Center at 866.673.2299 or contactcenter@nreca.coop.