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Sponsor portfolio

VOLUNTEER ENERGY COOPERATIVE

EIN 62-0395590-utilities-Latest filing 2025
Plans
5
Retirement
4
$49.3M assets
Welfare
1
$647K premiums
Participants
583
18359 HIGHWAY 58 NORTH PO BOX 277 - DECATUR, TN 37322423-334-1020vec.orgLinkedIn51-200 employeesutilities
Plans on this EIN
5 filings
#001TraditionalDB-$22.6M - 78 part#005401k-$10.7M - 115 part#004401k-$8.4M - 32 part#003401k-$7.6M - 26 part#503Mixed-$647K - 795 lives

Retirement portfolio analytics

4 plans aggregated / $49.3M assets / 251 participants

Assets by plan

Share of aggregate retirement assets

46%top
  • VOLUNTEER ENERGY COOPERATIVE (#001)46%
  • COOPERATIVE ENHANCED 401(K) (#005)22%
  • FOR UNION EMPLOYEES (#004)17%
  • FLEXIBLE COMPENSATION PLAN (#003)15%
Total $49.3MClick slice to drill in

Participants by plan

Active + retired + deferred vested

  • COOPERATIVE ENHANCED 401(K) (#005)115
  • VOLUNTEER ENERGY COOPERATIVE (#001)78
  • FOR UNION EMPLOYEES (#004)32
  • FLEXIBLE COMPENSATION PLAN (#003)26
Total 251Click row to drill in

Benefits portfolio analytics

1 plan / $647K premiums / 795 covered lives

Coverage by line

Premium dollars by benefit type (bundled lines overlap)

  • Life$376K
  • Short-term disability$376K
  • Long-term disability$376K
  • Other$376K
  • Stop-loss$271K
Total $647K5 rows

Carrier market share

Premium dollars by Schedule A carrier

Multi-vendor
58%top
  • THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA58%
  • BLUE CROSS OF CALIFORNIA42%
Total $647K2 slices

Broker market share

Schedule A broker compensation

Split broker
65%top
  • THE BALDWIN GROUP WEST LLC65%
  • BRENT WICK33%
  • WATCHTOWER BENEFITS, LLC2%
Total $94K3 slices

Plan deep-dives

Per-plan teasers. The full analytics (fees vs peers, audit grade, trajectory, counterparties) live on each plan detail page.
Retirement#001

PENSION PLAN FOR EMPLOYEES OF VOLUNTEER ENERGY COOPERATIVE

TraditionalDB

Assets$22.6M
Participants78
Inside the deep dive
Fees vs peersAudit gradeAsset trajectoryContributionsSch C providers
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Retirement#005

THE VOLUNTEER ENERGY COOPERATIVE ENHANCED 401(K) PLAN

401k

Assets$10.7M
Participants115
Inside the deep dive
Fees vs peersAudit gradeAsset trajectoryContributionsSch C providers
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Retirement#004

VOLUNTEER ENERGY COOPERATIVE THRIFT SAVINGS PLAN FOR UNION EMPLOYEES

401k

Assets$8.4M
Participants32
Inside the deep dive
Fees vs peersAudit gradeAsset trajectoryContributionsSch C providers
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Retirement#003

THE VOLUNTEER ENERGY COOPERATIVE FLEXIBLE COMPENSATION PLAN

401k

Assets$7.6M
Participants26
Inside the deep dive
Fees vs peersAudit gradeAsset trajectoryContributionsSch C providers
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Welfare#503

VOLUNTEER ENERGY COOPERATIVE EMPLOYEE BENEFITS PLAN

Mixed - THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

Premiums$647K
Covered lives795
Inside the deep dive
Premium breakdownCarriersBrokersCoverage stats
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Retirement plans4

Plan #NameTypeAssetsParticipantsLatest year
001PENSION PLAN FOR EMPLOYEES OF VOLUNTEER ENERGY COOPERATIVETraditionalDB$22.6M782024
005THE VOLUNTEER ENERGY COOPERATIVE ENHANCED 401(K) PLAN401k$10.7M1152024
004VOLUNTEER ENERGY COOPERATIVE THRIFT SAVINGS PLAN FOR UNION EMPLOYEES401k$8.4M322025
003THE VOLUNTEER ENERGY COOPERATIVE FLEXIBLE COMPENSATION PLAN401k$7.6M262025

Welfare plans1

Plan #NameFundingCarrierPremiumsCoveredLatest year
503VOLUNTEER ENERGY COOPERATIVE EMPLOYEE BENEFITS PLANMixedTHE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA$647K7952025
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