Semco Energy 401(k) match, vesting and fees
What Semco Energy's 401(k) 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.
| Plan type and status | 401(k) · Active | Form 5500 ↗ |
How the plan compares
Plan year 2025 medians for 2,325 defined-contribution plans in utilities with fewer than 100 participants.
| Semco Energy: employer contribution per participant | $1,115 | |
| Peer median | $2,414 |
| Semco Energy: average balance | $56,435 | |
| Peer median | $40,855 |
| Semco Energy: admin expenses ÷ assets | 1.62% | |
| Peer median | 0.41% |
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 $406K at the end of plan year 2021 to $395K at the end of plan year 2025.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2025 | 10 | $395K | $7,807 | $1,115 | 1.62% | Not published | Form 5500 ↗ |
| 2024 | 11 | $426K | $7,119 | $890 | 1.63% | Not published | Form 5500 ↗ |
| 2023 | 10 | $417K | $7,576 | $947 | 1.74% | Not published | Form 5500 ↗ |
| 2022 | 10 | $335K | $7,517 | $940 | 2.06% | Not published | Form 5500 ↗ |
| 2021 | 10 | $406K | $6,786 | $848 | 1.77% | Not published | Form 5500 ↗ |
Other Semco Energy plans (3)
Each plan files its own Form 5500. Figures are from each plan's latest filing.
Semco Energy, Inc. Non-Union Employees' Retirement Plan
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 | Aon Consulting, Inc. | Schedule C ↗ |
| Independent auditor | Grant Thornton LLP (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | Pension (defined benefit) · Active | Form 5500 ↗ |
Enstar Natural Gas Company Retirement Plan for Operating and Clerical Unit Employees
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.
| Independent auditor | Bdo USA, P.C. (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | Pension (defined benefit) · Active | Form 5500 ↗ |
Semco Energy, Inc. Union Employees' Retirement Plan
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 | Aon Consulting, Inc. | Schedule C ↗ |
| Independent auditor | Grant Thornton LLP (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | Pension (defined benefit) · Active | Form 5500 ↗ |
Common questions
Does Semco Energy match 401(k) contributions?
The match terms for the Hotflame Employees' Profit Sharing/401(K) Plan have not been published from its filing yet. The plan year 2025 filing reports $7,807 in employer contributions, about $1,115 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the Semco Energy 401(k) match vested?
The vesting schedule for the Hotflame Employees' Profit Sharing/401(K) Plan is not in the data published so far. Your Summary Plan Description states it.
Who manages the Semco Energy 401(k)?
The filing names Semco Energy, Inc. as plan administrator; it does not list a recordkeeper.
I left Semco Energy. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (Semco Energy, Inc., (810) 987-2200). The Semco Energy old 401(k) page lists the contacts from every plan filing. Find an old Semco Energy 401(k)
Data from the public Form 5500 annual reports Semco Energy 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 Semco Energy. Not financial advice. Report a correction · Methodology