Plan Ledger DOL Form 5500 · updated monthly

Credit Union of Texas401(k)

CREDIT UNION OF TEXAS 401(K) PLAN · ALLEN, TX · plan year 2025

Reported admin expense ratio · 2025
0.42%

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

Credit Union of Texas reported $124,482 in plan administrative expenses for 2025: 0.42% of average plan assets, above the peer median. Employer contributions averaged $2,974 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 rose from 0.13% to 0.42%. The plan sits in the $10M–$50M size bracket, benchmarked here against 1,620 comparable plans and shown alongside other finance & insurance employers. By assets it is the 1,449th-largest of 5,688 plans among Texas employers on file, and the 2,287th of 4,798 in finance & insurance. In 2025, employees put in $1.51 for every $1.00 the employer contributed.

Plan summary
Net assets, end of year$32,601,036
Participants with balances637
Active participants592
Employer contributions$1,760,631
Employee contributions$2,661,174
Employer contribution per active participant$2,974
Average account balance$51,179
Benefits paid to participants$3,129,375
Plan auditUnmodified (clean) audit opinion
Plan history4
Yearassets · accounts · employer contribution
2025$32.6M · 637 accts · $1.8M emplr
2024$26.7M · 618 accts · $1.6M emplr
2023$21.7M · 573 accts · $1.4M emplr
2022$16.3M · 547 accts · $528K emplr
Administrative expenses, itemized · 2025
Recordkeeping & contract admin$72,645
Investment management$51,837
Total administrative$124,482
The Credit Union of Texas 401(k) match · 2025
Employer contribution per active participant$2,974
Median for plans this size$2,666
2025$2,974 per active participant
2024$2,831 per active participant
2023$2,556 per active participant
2022$967 per active participant

Credit Union of Texas's 2025 employer contribution ran above the $2,666 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 · 20254
PRINCIPAL LIFE INSURANCE COMPANY · Contract administrator · Loan processing$72,549
CREATIVE PLANNING, LLC · Investment advisory (plan)$51,786
MORNINGSTAR INVESTMENT MANAGEMENT L · Investment advisory (participants)indirect comp
CREATIVE PLANNING, LLC · Investment advisory (participants)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$124,482 · 0.42%
2024$100,744 · 0.42%
2023$82,295 · 0.43%
2022$21,082 · 0.13%
Same employer
Similar plansFinance & Insurance · Texas
Carlson Capital, L.P. TX$33.1M · 0.07%
Green Brick Partners, Inc. TX$32.9M · 0.28%
Network Funding, L.P. TX$32.6M · 0.32%
Community National Bank TX$32.0M · 0.46%
Benchmark Bank TX$31.8M · 0.26%

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Source: U.S. Department of Labor, Form 5500 series, EIN 750225045 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.