Plan Ledger DOL Form 5500 · updated monthly

America's Credit Union, a Federal Credit Union401(k)

AMERICAS CREDIT UNION, A FEDERAL CREDIT UNION 401(K) SAVINGS PLAN · DUPONT, WA · plan year 2024

Reported admin expense ratio · 2024
0.15%

Peer grade: A- · admin costs + employer contributions vs same-size plans · how grading works

America's Credit Union, a Federal Credit Union reported $20,822 in plan administrative expenses for 2024: 0.15% of average plan assets, below the peer median. Employer contributions averaged $6,226 per active participant. This ratio covers administrative expenses reported on the plan's Schedule H only; fund-level expense ratios are not included in public structured data — see methodology.

Across the 2 years on file its reported administrative ratio fell from 0.25% to 0.15%. The plan sits in the $10M–$50M size bracket, benchmarked here against 27,838 comparable plans and shown alongside other finance & insurance employers. By assets it is the 834th-largest of 1,714 plans among Washington employers on file, and 3,474th of 4,798 in finance & insurance. In 2024, the employer put in $1.40 for every $1.00 employees contributed themselves.

Plan summary
Net assets, end of year$15,301,014
Participants with balances263
Active participants158
Employer contributions$983,781
Employee contributions$703,523
Employer contribution per active participant$6,226
Average account balance$58,179
Benefits paid to participants$539,697
Plan auditUnmodified (clean) audit opinion
Plan history3
Yearassets · accounts · employer contribution
2024$15.3M · 263 accts · $984K emplr
2023$12.6M · 284 accts · $1.1M emplr
2022$10.4M · 271 accts · $645K emplr
Administrative expenses, itemized · 2024
Recordkeeping & contract admin$20,822
Total administrative$20,822
The America's Credit Union, a Federal Credit Union 401(k) match · 2024
Employer contribution per active participant$6,226
Median for plans this size$2,416
2024$6,226 per active participant
2023$6,714 per active participant
2022$4,269 per active participant

America's Credit Union, a Federal Credit Union's 2024 employer contribution ran above the $2,416 median for plans its size, placing it in the top quarter of its peers. Filings report dollars actually contributed, not the match formula; the formula itself (for example, 50% of the first 6% of pay) lives in the plan's summary plan description from HR.

What these fees cost you

Annual cost at the plan's reported 2024 administrative ratio, against the median plan its size; fund expense ratios are extra. Compare any plan.

Service providers · 20244
UBS FINANCIAL SERVICES · Investment advisory (plan)$18,172
DEFINITI LLC · Contract administrator$7,172
CAPITAL RESEARCH AND MANAGEMENT CO$3,300
RANDALL & HURLEY (NA NA) · Contract administrator$250

Compensation shown is direct payments from plan assets reported on Schedule C. Providers paid through fund revenue-sharing appear as indirect.

Administrative cost history3
2024$20,822 · 0.15%
2023$29,656 · 0.26%
2022$27,155 · 0.25%
Same employer
Similar plansFinance & Insurance · Washington
Wheatland Bank WA$17.9M · 0.00%
Seattle Metro. Credit Union WA$17.0M · 0.04%
Axia Financial, LLC WA$15.8M · 0.15%
Qualstar Credit Union WA$15.7M · 0.27%
Sound Community Bank WA$15.1M · 0.34%
O Bee Credit Union WA$13.9M · 0.07%

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Source: U.S. Department of Labor, Form 5500 series, EIN 910620623 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.