401(k) Pension Plan: Annual Disclosure Mailing
NRECA is mailing legally required 401(k) Pension Plan notices the week of October 12, 2026. The notices are being sent to all cooperative employees, plan participants and beneficiaries who are eligible to make or change investment elections in the 401(k) Pension Plan.
The following notifications are included in this mailing:
- Participant Fees Annual Disclosure Notice providing general plan information, as well as information on administrative and individual expenses, fund performance and fees as of December 31, 2025 and current investment options.
- Qualified Default Investment Alternative Notice informing participants who have not yet made active investment selections that their balance, or a portion of their balance, as well as ongoing contributions will default (or have been defaulted) into the Target Date Portfolio (TDP) option(s) closest to the year of their target retirement, assuming a retirement date age of 65. The notice also provides a brief overview of the TDPs, as well as instructions for directing their 401(k) Pension Plan investment allocations and future contributions.
- Target Date Portfolios Summary detailing relative risk, sector weightings, investment objectives and expense ratios for each TDP as of June 30, 2026.
Ongoing Distribution
When your co-op’s benefits administrator enrolls a new employee, that individual will receive the Participant Fees Annual Disclosure Notice, Qualified Default Investment Alternative Notice and Target Date Portfolio Summary in their 401(k) Pension Plan enrollment confirmation kit.
Copies of the annual disclosure notices and Glossary of Investment Terms are available to your employees on the Employee Benefits website when they search “participant fee,” “target date” and “glossary.” The latest fund profiles, holdings and individual disclosure documents are available for your participants to view at cooperative.com/401kinvestments.
If you have questions about these notices, please contact your field representative or NRECA’s Member Contact Center at 866.673.2299 from 7 a.m. to 7 p.m., Central time, or via email at contactcenter@nreca.coop. Co-op employees with questions about their investment strategy should contact NRECA’s Personal Investment & Retirement Consulting team at 866.673.2299, option 6 or via email at pirc@nreca.coop.