Auto-Owners Insurance 401(k) and pension plans

Auto-Owners Insurance Company, Lansing, MI. EIN 38-0315280. Annual reports 2009–2025.

Auto-Owners Insurance Company has 2 active retirement plans on file. The largest is the Auto-Owners Insurance Company Retirement Savings Plan, with 9,370 participants and $998 million in assets in 2025. Vanguard has been its recordkeeper since 2014.

Active plans: 2
Participants: 17,396
Plan assets: $1.9 billion
401(k) recordkeeper: Vanguard
Plans on file: 4
Industry: Finance and insurance

All 4 plans

Active plans first

Auto-Owners Insurance Company Retirement Savings Plan

401(k)Active

Active. The plan filed its annual report for the 2025 plan year.

Plan number: 004Employer EIN 38-0315280
Participants (2025): 9,370
Net assets (2025): $998 million
Recordkeeper: Vanguard2014–2025
Plan administrator: Committee for Aoins Ret Savings Plan
P.O. Box 30660
Lansing, MI 48909
(517) 703-2513As filed for 2025
In effect since: January 1, 2008

Plans merged into this one: Auto-Owners Insurance Company Incentive Bonus Plan (2010); Auto-Owners Insurance Company Revised Thrift and Savings Plan (2010).

Earlier plan names: Auto-Owners Insurance Company Retirement Savings and Incentive Bonus Plan; Auto-Owners Insurance Company Retirement Savings & Incentive Bonus Plan.

Year by year, 2009 to 2025

Plan year	Participants	Net assets	Recordkeeper
2025	9,370	$998 million	Vanguard
2024	9,080	$864 million	Vanguard
2023	8,698	$773 million	Vanguard
2022	8,385	$672 million	Vanguard
2021	7,576	$711 million	Vanguard
2020	7,272	$621 million	Vanguard
2019	7,085	$534 million	Vanguard
2018	6,477	$431 million	Vanguard
2017	5,944	$429 million	Vanguard
2016	5,655	$394 million	Vanguard
2015	5,351	$365 million	Vanguard
2014	5,115	$357 million	Vanguard
2013	4,949	$343 million	not listed
2012	4,810	$337 million	not listed
2011	4,636	$298 million	not listed
2010	4,385	$282 million	not listed
2009	3,803	$34.0 million	not listed

Auto-Owners Insurance Company Retirement Income Plan

Pension (defined benefit)Active

Active. The plan filed its annual report for the 2024 plan year.

Plan number: 001Employer EIN 38-0315280
Participants (2024): 8,026
Net assets (2024): $919 million
Plan administrator: Committee for the A-O Ins. Co. Retirement Income Plan
Po Box 30660
Lansing, MI 48909
(517) 703-2449As filed for 2024
In effect since: May 1, 1934

Earlier plan names: Auto-Owners Insurance Company Revised Retirement Income Plan.

Year by year, 2009 to 2024

Plan year	Participants	Net assets	Recordkeeper
2024	8,026	$919 million	not listed
2023	7,687	$875 million	not listed
2022	7,321	$857 million	not listed
2021	7,133	$872 million	not listed
2020	7,102	$943 million	not listed
2019	6,758	$862 million	not listed
2018	6,634	$847 million	not listed
2017	6,248	$820 million	not listed
2016	5,937	$498 million	not listed
2015	5,710	$465 million	not listed
2014	5,782	$441 million	not listed
2013	5,568	$405 million	not listed
2012	5,396	$370 million	not listed
2011	5,154	$330 million	not listed
2010	4,925	$308 million	not listed
2009	4,780	$293 million	not listed

Auto-Owners Insurance Company Incentive Bonus Plan

Profit-sharing planMerged

Merged. In 2010 its assets moved to the Auto-Owners Insurance Company Retirement Savings and Incentive Bonus Plan, sponsored by Auto-Owners Insurance Company (EIN 38-0315280, plan 004). Accounts moved with them, so that plan is the one to contact.

Plan number: 003Employer EIN 38-0315280
Participants (2009): 3,722
Net assets (2009): $83.2 million
Plan administrator: Auto-Owners Insurance Company
Po Box 30660
Lansing, MI 48909
(517) 886-1909As filed for 2010
In effect since: January 1, 1997

Year by year, 2009 to 2010

Plan year	Participants	Net assets	Recordkeeper
2010	0	$0	not listed
2009	3,722	$83.2 million	not listed

Auto-Owners Insurance Company Revised Thrift and Savings Plan

Defined contribution planMerged

Plan number: 002Employer EIN 38-0315280
Participants (2009): 2,178
Net assets (2009): $142 million
Plan administrator: Auto-Owners Insurance Company
Po Box 30660
Lansing, MI 48909
(517) 886-1909As filed for 2010
In effect since: January 1, 1974

Year by year, 2009 to 2010

Plan year	Participants	Net assets	Recordkeeper
2010	0	$0	not listed
2009	2,178	$142 million	not listed

If you had money in one of these plans

Call Vanguard (investor.vanguard.com), which runs the Auto-Owners Insurance Company Retirement Savings Plan. With your Social Security number and the plan name, it can tell you whether you still have a balance and, if not, where it went.
Or call the plan administrator listed on the plan below ((517) 703-2513). That number was filed for 2025; ask for the benefits or retirement plan office.
If your plan was merged, your account moved with it. Follow the link on the plan to the plan it went into, and contact that one.
Still stuck? The Department of Labor's benefits advisers help for free: askebsa.dol.gov or 1-866-444-3272. Never pay anyone to find your own money.

What these numbers are

They come from the Form 5500 annual reports each plan files with the Department of Labor, as the plan filed them. A plan year is usually a calendar year.
Participants counts everyone in the plan at year end: current employees, former employees who still have a balance or a pension coming, and retirees or beneficiaries being paid.
The recordkeeper is the service provider whose Schedule C entry says it keeps the plan's records. Small plans do not file Schedule C, so some plans show none.
We cannot see anyone's account. Only the plan or its recordkeeper can tell you your balance.

Sources: U.S. Department of Labor, Form 5500 datasets and PBGC trusteed plans. How we read them.