Plan Ledger DOL Form 5500 · updated monthly

Grow Financial Federal Credit Union401(k)

GROW FINANCIAL FEDERAL CREDIT UNION 401(K) PLAN · TAMPA, FL · plan year 2025

Reported admin expense ratio · 2025
0.07%

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

Grow Financial Federal Credit Union reported $51,261 in plan administrative expenses for 2025: 0.07% of average plan assets, below the peer median. Employer contributions averaged $5,867 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 4 years on file its reported administrative ratio has held roughly steady near 0.067%. 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 378th-largest of 3,644 plans among Florida employers on file, and the 1,167th of 4,798 in finance & insurance. In 2025, employees put in $1.05 for every $1.00 the employer contributed; active participation has grown from 533 to 620 since 2022.

Plan summary
Net assets, end of year$81,822,880
Participants with balances721
Active participants620
Employer contributions$3,637,246
Employee contributions$3,832,770
Employer contribution per active participant$5,867
Average account balance$113,485
Benefits paid to participants$8,352,257
Plan auditUnmodified (clean) audit opinion
Plan history4
Yearassets · accounts · employer contribution
2025$81.8M · 721 accts · $3.6M emplr
2024$70.6M · 690 accts · $3.1M emplr
2023$63.6M · 667 accts · $3.0M emplr
2022$53.0M · 640 accts · $2.6M emplr
Administrative expenses, itemized · 2025
Recordkeeping & contract admin$51,261
Total administrative$51,261
The Grow Financial Federal Credit Union 401(k) match · 2025
Employer contribution per active participant$5,867
Median for plans this size$4,093
2025$5,867 per active participant
2024$5,134 per active participant
2023$5,421 per active participant
2022$4,928 per active participant

Grow Financial Federal Credit Union's 2025 employer contribution ran above 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 · 20251
FIDELITY INVESTMENTS INSTITUTIONAL · Loan processing$51,261

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$51,261 · 0.07%
2024$34,841 · 0.05%
2023$36,433 · 0.06%
2022$39,952 · 0.07%
Same employer
Similar plansFinance & Insurance · Florida
Midflorida Credit Union FL$91.9M · 0.15%
Fairwinds Credit Union FL$91.2M · 0.22%
Tradestation Group, Inc. FL$89.9M · 0.11%
Banco de Sabadell, S.A. FL$78.6M · 0.03%

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Source: U.S. Department of Labor, Form 5500 series, EIN 590772528 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.