Plan Ledger DOL Form 5500 · updated monthly

Dutrac Community Credit Union401(k)

DUTRAC COMMUNITY CREDIT UNION 401K PLAN AND TRUST · DUBUQUE, IA · plan year 2024

Reported admin expense ratio · 2024
0.03%

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

Dutrac Community Credit Union reported $4,650 in plan administrative expenses for 2024: 0.03% of average plan assets, lower than ~75% of peers. Employer contributions averaged $2,177 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 rose from 0.01% to 0.03%. 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 411th-largest of 878 plans among Iowa employers on file, and 3,141st of 4,798 in finance & insurance. In 2024, employees put in $1.91 for every $1.00 the employer contributed.

Plan summary
Net assets, end of year$19,099,887
Participants with balances241
Active participants180
Employer contributions$391,907
Employee contributions$746,668
Employer contribution per active participant$2,177
Average account balance$79,253
Benefits paid to participants$2,161,377
Plan auditUnmodified (clean) audit opinion
AuditorWIPFLI LLP
Plan history3
Yearassets · accounts · employer contribution
2024$19.1M · 241 accts · $392K emplr
2023$17.9M · 268 accts · $404K emplr
2022$15.0M · 255 accts · $393K emplr
Administrative expenses, itemized · 2024
Recordkeeping & contract admin$4,450
Total administrative$4,650
The Dutrac Community Credit Union 401(k) match · 2024
Employer contribution per active participant$2,177
Median for plans this size$2,416
2024$2,177 per active participant
2023$2,481 per active participant
2022$2,394 per active participant

Dutrac Community Credit Union's 2024 employer contribution ran below the $2,416 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 2024 administrative ratio, against the median plan its size; fund expense ratios are extra. Compare any plan.

Service providers · 20241

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$4,650 · 0.03%
2023$2,350 · 0.01%
2022$1,250 · 0.01%
Same employer
Similar plansFinance & Insurance · Iowa
Community 1ST Credit Union IA$23.5M · 0.69%
Ascentra Credit Union IA$19.7M · 0.39%
Lincoln Bancorp IA$19.0M · 0.32%

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Source: U.S. Department of Labor, Form 5500 series, EIN 420670685 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.