Rural Minnesota Cep 403(b) match, vesting and fees
What Rural Minnesota Cep's 403(b) plan says about matching contributions
Plan features
Match, vesting and enrollment details have not been published from this plan's audit report yet. The figures below come from the structured filing.
| Recordkeeper | Empower Annuity Ins Co of America | Schedule C ↗ |
| Independent auditor | Wipfli LLP (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | 403(b) · Active | Form 5500 ↗ |
How the plan compares
Plan year 2025 medians for 2,291 defined-contribution plans in health care and social assistance with 100 to 499 participants.
| Rural Minnesota Cep: employer contribution per participant | $1,733 | |
| Peer median | $1,440 |
| Rural Minnesota Cep: average balance | $61,733 | |
| Peer median | $38,351 |
| Rural Minnesota Cep: admin expenses ÷ assets | 0.48% | |
| Peer median | 0.47% |
Admin expenses are the plan's reported administrative expenses divided by its assets; they do not include fund expense ratios.
Plan history
Plan assets went from $7.5M at the end of plan year 2021 to $6.9M at the end of plan year 2025.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2025 | 124 | $6.9M | $194K | $1,733 | 0.48% | Not published | Form 5500 ↗ |
| 2024 | 119 | $5.8M | $190K | $1,711 | 0.50% | Not published | Form 5500 ↗ |
| 2023 | 121 | $5M | $175K | $1,520 | 0.47% | Not published | Form 5500 ↗ |
| 2022 | 115 | $4.8M | $157K | $1,493 | 0.10% | Not published | Form 5500 ↗ |
| 2021 | 124 | $7.5M | $167K | $1,518 | 0.10% | Not published | Form 5500 ↗ |
Common questions
Does Rural Minnesota Cep match 401(k) contributions?
The match terms for the Rural Minnesota Cep, Inc. Tax Sheltered Annuity Plan have not been published from its filing yet. The plan year 2025 filing reports $194K in employer contributions, about $1,733 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the Rural Minnesota Cep 401(k) match vested?
The vesting schedule for the Rural Minnesota Cep, Inc. Tax Sheltered Annuity Plan is not in the data published so far. Your Summary Plan Description states it.
Who manages the Rural Minnesota Cep 401(k)?
The recordkeeper listed on Schedule C of the plan year 2025 filing is Empower Annuity Ins Co of America. The plan administrator is Rural Minnesota Cep.
I left Rural Minnesota Cep. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (Rural Minnesota Cep, (218) 846-7400) or the recordkeeper, Empower Annuity Ins Co of America. The Rural Minnesota Cep old 401(k) page lists the contacts from every plan filing. Find an old Rural Minnesota Cep 401(k)
Data from the public Form 5500 annual reports Rural Minnesota Cep filed with the U.S. Department of Labor (plan years 2021 and 2022 and 2023 and 2024 and 2025) and, where noted, the attached independent auditor's report. Plan terms may have changed since the filing; check your current Summary Plan Description. PlanFacts is not affiliated with Rural Minnesota Cep. Not financial advice. Report a correction · Methodology