Plan Ledger DOL Form 5500 · updated monthly

Chevron Federal Credit Union401(k)

CHEVRON FEDERAL CREDIT UNION 401(K) PLAN · CONCORD, CA · plan year 2025

Reported admin expense ratio · 2025
0.10%

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

Chevron Federal Credit Union reported $80,365 in plan administrative expenses for 2025: 0.10% of average plan assets, below the peer median. Employer contributions averaged $3,785 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 3 years on file its reported administrative ratio fell from 0.13% to 0.10%. The plan sits in the $50M–$250M size bracket, benchmarked here against 605 comparable plans and shown alongside other finance & insurance employers. By assets it is the 1,089th-largest of 9,483 plans among California employers on file, and the 1,080th of 4,798 in finance & insurance. In 2025, employees put in $2.52 for every $1.00 the employer contributed.

Plan summary
Net assets, end of year$90,755,621
Participants with balances426
Active participants345
Employer contributions$1,305,770
Employee contributions$3,295,724
Employer contribution per active participant$3,785
Average account balance$213,041
Benefits paid to participants$3,294,074
Plan auditUnmodified (clean) audit opinion
Plan history4
Yearassets · accounts · employer contribution
2025$90.8M · 426 accts · $1.3M emplr
2024$76.6M · 433 accts · $2.6M emplr
2023$65.5M · 428 accts · $3.8M emplr
2022$52.6M · 425 accts · $1.1M emplr
Administrative expenses, itemized · 2025
Recordkeeping & contract admin$80,365
Total administrative$80,365
The Chevron Federal Credit Union 401(k) match · 2025
Employer contribution per active participant$3,785
Median for plans this size$4,093
2025$3,785 per active participant
2024$7,478 per active participant
2023$10,880 per active participant
2022$3,373 per active participant

Chevron Federal Credit Union's 2025 employer contribution ran below the $4,093 median for plans its size. 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 2025 administrative ratio, against the median plan its size; fund expense ratios are extra. Compare any plan.

Service providers · 20252
PRINCIPAL LIFE INSURANCE COMPANY · Contract administrator · Loan processing$80,355
WILSHIRE ADVISORS LLC · Investment advisory (plan)indirect comp

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

Administrative cost history4
2025$80,365 · 0.10%
2024$81,040 · 0.11%
2023$78,008 · 0.13%
2022$71,316 · 0.13%
Same employer
Similar plansFinance & Insurance · California
First Foundation Inc. CA$94.3M · 0.05%
Star One Credit Union CA$88.9M · 0.04%
Heritage Commerce Corp CA$87.1M · 0.11%

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Source: U.S. Department of Labor, Form 5500 series, EIN 940878385 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.