# The Auto Club Group Cash Value Pension Plan

The Auto Club Group Cash Value Pension Plan is a Pension Fund based in Dearborn, United States.

## Overview

- **Organization type:** Pension Fund
- **Headquarters:** Dearborn, United States
- **Region:** North America
- **Address:** Dearborn, Michigan, United States
- **Founded:** 1902
- **Assets under management:** Undisclosed
- **Website:** www.aaa.com
- **LinkedIn:** https://www.linkedin.com/company/the-auto-club-group

## Regulatory record

- **Reports private funds:** No

## About

The Auto Club Group Cash Value Pension Plan is a defined benefit plan covering eligible employees of The Auto Club Group, an insurance and roadside assistance provider with roots in the American Automobile Association. The plan is structured as a cash balance plan, a legal form that blends features of traditional pension and defined contribution plans. Employer contributions are mandatory and the benefit is insured by the Pension Benefit Guaranty Corporation. As a cash balance arrangement, each participant's account is credited annually with a fixed percentage of pay and an interest credit tied to a predetermined index. This architecture is typical among large corporate plan sponsors seeking to limit balance-sheet volatility while providing a predictable accumulation vehicle for workers. The plan does not publicly disclose its asset allocation, external manager roster, or total deployment. The plan is a single-employer vehicle sponsored by The Auto Club Group, which is headquartered in Dearborn, Michigan. The sponsor operates in multiple states throughout the upper Midwest and Southeast, including Florida. Adjacent benefit structures or philanthropic vehicles tied to the plan are not publicly documented. This plan's most informative differentiator is its legal architecture. A cash balance plan occupies an unusual regulatory niche: it is a defined benefit plan under ERISA, meaning investment risk falls on the employer, but the benefit accrual pattern mimics a portable individual account. For an institutional allocator, the plan represents a liability-driven pool of retirement capital whose investment strategy is driven by the sponsor's actuarial and funding targets, not unit-holder redemptions.

## Questions

### What legal structure governs the plan?

The plan is a tax-qualified defined benefit plan under Section 401(a) of the Internal Revenue Code and is subject to ERISA. Because it is a cash balance plan, each participant's benefit is expressed as a notional account balance rather than a final-average-pay formula. The plan is insured by the Pension Benefit Guaranty Corporation.

### Is the plan open to new participants?

Plan participation details, including whether the plan is open or frozen to new entrants, are not publicly disclosed on the firm's primary channels. Large corporate cash balance plans sometimes freeze accruals for closed groups of participants, but the current status of this plan is unconfirmed.

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Last updated: 2026-07-08T22:33:43.072Z

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