Civic Intelligence

Consumers Energy Company

Plan context: Consumer Energy Company Master Trust for the Pension Plans

EIN 38-0442310 • 332 filings • 23 plans

Current Snapshot

Latest Year

2024

2024 Participants

8,218

2024 Assets

$10,746,504,547

2024 Contributions

$218,440,895

Historical Graphs

Total Assets Over Time

Aggregate end-of-year assets by filing year, excluding zero-asset years

$11,900,586,284$5,950,293,142$0199920122024YearValue
$10,746,504,547Latest year 2024

Participants Over Time

Largest reported end-of-year plan headcount by filing year, used to avoid double-counting participants across overlapping plans

11,6525,8260199920122024YearValue
8,218Latest year 2024

Company Timeline

Year summaries and individual filings are combined here so you can stay in one place while moving across years and plan filings.

Year / FilingFilingsParticipantsAssetsContributionsContrib./Participant
202488,218$10,746,504,547$218,440,895$26,581iApproximate average salary by contribution assumption: employee only about $664,520 at 4% or $443,013 at 6%; with 50% employer match about $443,013 at 4% or $295,342 at 6%; with 100% employer match about $332,260 at 4% or $221,507 at 6%.
Consumer Energy Company Master Trust for the Pension Plans--$3,337,738,445--
Consumers Energy Company Employees Savings and Incentive Plan-8,218$2,854,295,232$201,890,949$24,567iApproximate average salary by contribution assumption: employee only about $614,173 at 4% or $409,449 at 6%; with 50% employer match about $409,449 at 4% or $272,966 at 6%; with 100% employer match about $307,087 at 4% or $204,724 at 6%.
Pension Plan a for Employees of Consumer Energy Company-1,755$1,940,389,357--
Consumers Energy Company Pension Plan-302$1,397,349,088--
Group Health Care Plan-0$1,151,164,654$15,768,407-
Retired Employees Group Term Life Insurance Plan-0$65,567,771$781,539-
Separation Allowance Plan-4,393---
Group Medical Plan for Active Employees-7,585---
202388,216$10,417,024,606$218,937,730$26,648iApproximate average salary by contribution assumption: employee only about $666,193 at 4% or $444,129 at 6%; with 50% employer match about $444,129 at 4% or $296,086 at 6%; with 100% employer match about $333,097 at 4% or $222,064 at 6%.
Consumer Energy Company Master Trust for the Pension Plans--$3,386,514,761--
Consumers Energy Company Employees Savings and Incentive Plan-8,216$2,464,822,775$203,137,662$24,725iApproximate average salary by contribution assumption: employee only about $618,116 at 4% or $412,077 at 6%; with 50% employer match about $412,077 at 4% or $274,718 at 6%; with 100% employer match about $309,058 at 4% or $206,039 at 6%.
Pension Plan a for Employees of Consumer Energy Company-1,820$1,960,610,552--
Consumers Energy Company Pension Plan-297$1,425,904,209--
Group Health Care Plan-0$1,119,256,885$14,927,718-
Retired Employees Group Term Life Insurance Plan-0$59,915,424$872,350-
Separation Allowance Plan-4,563---
Group Medical Plan for Active Employees-7,968---
202298,702$9,544,890,671$221,698,483$25,477iApproximate average salary by contribution assumption: employee only about $636,918 at 4% or $424,612 at 6%; with 50% employer match about $424,612 at 4% or $283,075 at 6%; with 100% employer match about $318,459 at 4% or $212,306 at 6%.
Consumer Energy Company Master Trust for the Pension Plans--$3,179,832,217--
Consumers Energy Company Employees Savings and Incentive Plan-8,702$2,097,105,672$208,023,982$23,905iApproximate average salary by contribution assumption: employee only about $597,633 at 4% or $398,422 at 6%; with 50% employer match about $398,422 at 4% or $265,615 at 6%; with 100% employer match about $298,816 at 4% or $199,211 at 6%.
Pension Plan a for Employees of Consumer Energy Company-2,129$1,822,930,785--
Consumers Energy Company Pension Plan-339$1,356,901,432--
Group Health Care Plan-0$1,034,269,708$13,116,077-
Retired Employees Group Term Life Insurance Plan-0$53,850,857$558,424-
Separation Allowance Plan-4,960---
Group Medical Plan for Active Employees-7,976---
HEALTH REIMBURSEMENT ARRANGEMENT FOR RETIRED EMPLOYEES OF CONSUMERS ENERGY AND OTHER CMS ENERGY COMPANIES-0---
2021179,122$11,900,586,284$202,298,359$22,177iApproximate average salary by contribution assumption: employee only about $554,424 at 4% or $369,616 at 6%; with 50% employer match about $369,616 at 4% or $246,411 at 6%; with 100% employer match about $277,212 at 4% or $184,808 at 6%.
Consumer Energy Company Master Trust for the Pension Plans--$4,039,017,395--
Consumers Energy Company Employees Savings and Incentive Plan-8,994$2,478,855,430$189,748,655$21,097iApproximate average salary by contribution assumption: employee only about $527,431 at 4% or $351,621 at 6%; with 50% employer match about $351,621 at 4% or $234,414 at 6%; with 100% employer match about $263,716 at 4% or $175,810 at 6%.
Pension Plan a for Employees of Consumer Energy Company-2,389$2,323,506,114--
Consumers Energy Company Pension Plan-353$1,715,511,281--
Group Health Care Plan-0$1,278,659,414$11,974,697-
Retired Employees Group Term Life Insurance Plan-0$65,036,650$575,007-
Separation Allowance Plan-5,349---
Group Medical Plan for Active Employees-8,008---
Group Term Life Insurance Plan for Om&C Employees-3,447---
Group Long Term Disability Plan-8,370---
Travel Accident Insurance Plan-9,122---
Group Term Life Insurance Plan for Salaried Employees-5,581---
Dependents Group Term Life Insurance Plan-3,403---
Flexfund Plan-4,545---
Group 24-Hour Accident Insurance Plan-3,321---
Group Dental Plan for Active Employees-8,249---
HEALTH REIMBURSEMENT ARRANGEMENT FOR RETIRED EMPLOYEES OF CONSUMERS ENERGY AND OTHER CMS ENERGY COMPANIES-0---
2020179,990$10,964,578,181$866,737,336$86,760iApproximate average salary by contribution assumption: employee only about $2,169,012 at 4% or $1,446,008 at 6%; with 50% employer match about $1,446,008 at 4% or $964,005 at 6%; with 100% employer match about $1,084,506 at 4% or $723,004 at 6%.
Consumer Energy Company Master Trust for the Pension Plans--$3,806,288,282--
Pension Plan a for Employees of Consumer Energy Company-2,626$2,183,746,595$700,000,000$266,565iApproximate average salary by contribution assumption: employee only about $6,664,128 at 4% or $4,442,752 at 6%; with 50% employer match about $4,442,752 at 4% or $2,961,835 at 6%; with 100% employer match about $3,332,064 at 4% or $2,221,376 at 6%.
Consumers Energy Company Employees Savings and Incentive Plan-8,649$2,114,325,233$161,232,883$18,642iApproximate average salary by contribution assumption: employee only about $466,045 at 4% or $310,697 at 6%; with 50% employer match about $310,697 at 4% or $207,131 at 6%; with 100% employer match about $233,022 at 4% or $155,348 at 6%.
Consumers Energy Company Pension Plan-362$1,622,541,687--
Group Health Care Plan-0$1,178,815,959$5,504,453-
Retired Employees Group Term Life Insurance Plan-0$58,860,425--
Group Term Life Insurance Plan for Om&C Employees-3,242---
Group Long Term Disability Plan-8,331---
Travel Accident Insurance Plan-9,990---
Group Term Life Insurance Plan for Salaried Employees-5,312---
Dependents Group Term Life Insurance Plan-3,280---
Flexfund Plan-874---
Separation Allowance Plan-5,202---
Group 24-Hour Accident Insurance Plan-3,183---
Group Medical Plan for Active Employees-7,580---
Group Dental Plan for Active Employees-7,805---
HEALTH REIMBURSEMENT ARRANGEMENT FOR RETIRED EMPLOYEES OF CONSUMERS ENERGY AND OTHER CMS ENERGY COMPANIES-0---
2019168,808$8,797,851,559$153,851,419$17,467iApproximate average salary by contribution assumption: employee only about $436,681 at 4% or $291,121 at 6%; with 50% employer match about $291,121 at 4% or $194,080 at 6%; with 100% employer match about $218,340 at 4% or $145,560 at 6%.
Consumer Energy Company Master Trust for the Pension Plans--$2,915,502,134--
Consumers Energy Company Employees Savings and Incentive Plan-8,808$1,825,876,881$147,927,485$16,795iApproximate average salary by contribution assumption: employee only about $419,867 at 4% or $279,911 at 6%; with 50% employer match about $279,911 at 4% or $186,607 at 6%; with 100% employer match about $209,933 at 4% or $139,956 at 6%.
Consumers Energy Company Pension Plan-372$1,527,889,314--
Pension Plan a for Employees of Consumer Energy Company-2,945$1,387,612,820--
Group Health Care Plan-0$1,087,629,862$5,923,934-
Retired Employees Group Term Life Insurance Plan-0$53,340,548--
Group Long Term Disability Plan-8,354---
Travel Accident Insurance Plan-8,787---
Group Term Life Insurance Plan for Salaried Employees-5,419---
Dependents Group Term Life Insurance Plan-3,381---
Flexfund Plan-1,310---
Separation Allowance Plan-5,203---
Group 24-Hour Accident Insurance Plan-3,144---
Group Medical Plan for Active Employees-7,692---
Group Dental Plan for Active Employees-7,890---
Group Term Life Insurance Plan for Om&C Employees-3,268---
2018168,723$7,557,466,827$384,498,170$44,079iApproximate average salary by contribution assumption: employee only about $1,101,967 at 4% or $734,644 at 6%; with 50% employer match about $734,644 at 4% or $489,763 at 6%; with 100% employer match about $550,983 at 4% or $367,322 at 6%.
Consumer Energy Company Master Trust for the Pension Plans--$2,556,443,959--
Consumers Energy Company Employees Savings and Incentive Plan-8,649$1,475,428,863$134,746,504$15,579iApproximate average salary by contribution assumption: employee only about $389,486 at 4% or $259,657 at 6%; with 50% employer match about $259,657 at 4% or $173,105 at 6%; with 100% employer match about $194,743 at 4% or $129,829 at 6%.
Consumers Energy Company Pension Plan-382$1,340,369,914--
Pension Plan a for Employees of Consumer Energy Company-3,198$1,216,074,045$240,000,000$75,047iApproximate average salary by contribution assumption: employee only about $1,876,173 at 4% or $1,250,782 at 6%; with 50% employer match about $1,250,782 at 4% or $833,854 at 6%; with 100% employer match about $938,086 at 4% or $625,391 at 6%.
Group Health Care Plan-0$922,817,571$9,351,666-
Retired Employees Group Term Life Insurance Plan-0$46,332,475$400,000-
Group Term Life Insurance Plan for Om&C Employees-3,202---
Group Long Term Disability Plan-8,125---
Travel Accident Insurance Plan-8,723---
Group Term Life Insurance Plan for Salaried Employees-5,261---
Dependents Group Term Life Insurance Plan-3,347---
Flexfund Plan-1,105---
Separation Allowance Plan-5,046---
Group 24-Hour Accident Insurance Plan-3,076---
Group Medical Plan for Active Employees-7,491---
Group Dental Plan for Active Employees-7,680---
2017148,133$5,272,318,939$133,367,580$16,398iApproximate average salary by contribution assumption: employee only about $409,958 at 4% or $273,305 at 6%; with 50% employer match about $273,305 at 4% or $182,204 at 6%; with 100% employer match about $204,979 at 4% or $136,653 at 6%.
Consumers Energy Company Pension Plan-3,819$2,647,602,954--
Consumers Energy Company Employees Savings and Incentive Plan-7,966$1,547,832,208$124,810,025$15,668iApproximate average salary by contribution assumption: employee only about $391,696 at 4% or $261,131 at 6%; with 50% employer match about $261,131 at 4% or $174,087 at 6%; with 100% employer match about $195,848 at 4% or $130,565 at 6%.
Group Health Care Plan-0$1,027,623,219$8,557,555-
Retired Employees Group Term Life Insurance Plan-0$49,260,558--
Group Term Life Insurance Plan for Om&C Employees-3,230---
Group Long Term Disability Plan-8,133---
Travel Accident Insurance Plan-8,047---
Group Term Life Insurance Plan for Salaried Employees-5,164---
Dependents Group Term Life Insurance Plan-3,327---
Flexfund Plan-1,135---
Separation Allowance Plan-5,048---
Group 24-Hour Accident Insurance Plan-3,008---
Group Medical Plan for Active Employees-7,398---
Group Dental Plan for Active Employees-7,623---
2016148,224$4,679,894,456$221,425,724$26,924iApproximate average salary by contribution assumption: employee only about $673,108 at 4% or $448,739 at 6%; with 50% employer match about $448,739 at 4% or $299,159 at 6%; with 100% employer match about $336,554 at 4% or $224,369 at 6%.
Consumers Energy Company Pension Plan-4,107$2,402,366,022$100,000,000$24,349iApproximate average salary by contribution assumption: employee only about $608,717 at 4% or $405,811 at 6%; with 50% employer match about $405,811 at 4% or $270,541 at 6%; with 100% employer match about $304,358 at 4% or $202,906 at 6%.
Consumers Energy Company Employees Savings and Incentive Plan-7,817$1,319,725,487$114,250,599$14,616iApproximate average salary by contribution assumption: employee only about $365,391 at 4% or $243,594 at 6%; with 50% employer match about $243,594 at 4% or $162,396 at 6%; with 100% employer match about $182,696 at 4% or $121,797 at 6%.
Group Health Care Plan-0$912,942,112$7,175,125-
Retired Employees Group Term Life Insurance Plan-0$44,860,835--
Group Term Life Insurance Plan for Om&C Employees-3,236---
Group Long Term Disability Plan-7,845---
Travel Accident Insurance Plan-7,899---
Group Term Life Insurance Plan for Salaried Employees-4,927---
Dependents Group Term Life Insurance Plan-3,247---
Flexfund Plan-1,210---
Separation Allowance Plan-4,738---
Group 24-Hour Accident Insurance Plan-2,876---
Group Medical Plan for Active Employees-8,224---
Group Dental Plan for Active Employees-7,389---
2015148,181$4,443,303,243$363,022,954$44,374iApproximate average salary by contribution assumption: employee only about $1,109,348 at 4% or $739,565 at 6%; with 50% employer match about $739,565 at 4% or $493,043 at 6%; with 100% employer match about $554,674 at 4% or $369,783 at 6%.
Group Term Life Insurance Plan for Om&C Employees-3,220---
2014147,934$4,471,020,578$124,401,316$15,680iApproximate average salary by contribution assumption: employee only about $391,988 at 4% or $261,325 at 6%; with 50% employer match about $261,325 at 4% or $174,217 at 6%; with 100% employer match about $195,994 at 4% or $130,663 at 6%.
2013147,901$4,326,214,599$259,966,867$32,903iApproximate average salary by contribution assumption: employee only about $822,576 at 4% or $548,384 at 6%; with 50% employer match about $548,384 at 4% or $365,589 at 6%; with 100% employer match about $411,288 at 4% or $274,192 at 6%.
2012157,678$3,797,936,807$200,247,706$26,081iApproximate average salary by contribution assumption: employee only about $652,018 at 4% or $434,679 at 6%; with 50% employer match about $434,679 at 4% or $289,786 at 6%; with 100% employer match about $326,009 at 4% or $217,339 at 6%.
2011137,938$3,425,614,268$396,467,334$49,945iApproximate average salary by contribution assumption: employee only about $1,248,637 at 4% or $832,425 at 6%; with 50% employer match about $832,425 at 4% or $554,950 at 6%; with 100% employer match about $624,319 at 4% or $416,212 at 6%.
2010138,077$3,152,763,803$420,908,294$52,112iApproximate average salary by contribution assumption: employee only about $1,302,799 at 4% or $868,533 at 6%; with 50% employer match about $868,533 at 4% or $579,022 at 6%; with 100% employer match about $651,399 at 4% or $434,266 at 6%.
2009138,288$2,662,078,484$292,044,546$35,237iApproximate average salary by contribution assumption: employee only about $880,926 at 4% or $587,284 at 6%; with 50% employer match about $587,284 at 4% or $391,523 at 6%; with 100% employer match about $440,463 at 4% or $293,642 at 6%.
2008128,190$2,146,067,946$263,344,395$32,154iApproximate average salary by contribution assumption: employee only about $803,860 at 4% or $535,906 at 6%; with 50% employer match about $535,906 at 4% or $357,271 at 6%; with 100% employer match about $401,930 at 4% or $267,953 at 6%.
2007128,184$2,756,954,305$118,682,523$14,502iApproximate average salary by contribution assumption: employee only about $362,544 at 4% or $241,696 at 6%; with 50% employer match about $241,696 at 4% or $161,131 at 6%; with 100% employer match about $181,272 at 4% or $120,848 at 6%.
2006128,707$2,779,829,237$221,523,506$25,442iApproximate average salary by contribution assumption: employee only about $636,050 at 4% or $424,033 at 6%; with 50% employer match about $424,033 at 4% or $282,689 at 6%; with 100% employer match about $318,025 at 4% or $212,017 at 6%.
2005128,790$2,490,186,494$136,520,378$15,531iApproximate average salary by contribution assumption: employee only about $388,283 at 4% or $258,855 at 6%; with 50% employer match about $258,855 at 4% or $172,570 at 6%; with 100% employer match about $194,142 at 4% or $129,428 at 6%.
2004128,801$2,378,265,061$90,927,492$10,331iApproximate average salary by contribution assumption: employee only about $258,287 at 4% or $172,192 at 6%; with 50% employer match about $172,192 at 4% or $114,794 at 6%; with 100% employer match about $129,144 at 4% or $86,096 at 6%.
2003128,693$2,275,591,245$455,858,540$52,440iApproximate average salary by contribution assumption: employee only about $1,310,993 at 4% or $873,995 at 6%; with 50% employer match about $873,995 at 4% or $582,664 at 6%; with 100% employer match about $655,497 at 4% or $436,998 at 6%.
20021210,597$1,871,653,682$352,546,855$33,269iApproximate average salary by contribution assumption: employee only about $831,714 at 4% or $554,476 at 6%; with 50% employer match about $554,476 at 4% or $369,651 at 6%; with 100% employer match about $415,857 at 4% or $277,238 at 6%.
20011311,000$2,147,996,902$207,666,754$18,879iApproximate average salary by contribution assumption: employee only about $471,970 at 4% or $314,647 at 6%; with 50% employer match about $314,647 at 4% or $209,764 at 6%; with 100% employer match about $235,985 at 4% or $157,323 at 6%.
20001311,652$1,070,427,328$65,954,296$5,660iApproximate average salary by contribution assumption: employee only about $141,509 at 4% or $94,339 at 6%; with 50% employer match about $94,339 at 4% or $62,893 at 6%; with 100% employer match about $70,754 at 4% or $47,170 at 6%.
1999711,067$2,329,653,355$142,664,510$12,891iApproximate average salary by contribution assumption: employee only about $322,275 at 4% or $214,850 at 6%; with 50% employer match about $214,850 at 4% or $143,233 at 6%; with 100% employer match about $161,137 at 4% or $107,425 at 6%.