Plan Ledger DOL Form 5500 · updated monthly

Iq Credit Union401(k)

IQ CREDIT UNION 401(K) PLAN · VANCOUVER, WA · plan year 2025

Reported admin expense ratio · 2025
0.31%

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

Iq Credit Union reported $123,164 in plan administrative expenses for 2025: 0.31% of average plan assets, above the peer median. Employer contributions averaged $4,367 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 0.44% to 0.31%. 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 408th-largest of 1,714 plans among Washington employers on file, and the 1,892nd of 4,798 in finance & insurance. In 2025, employees put in $1.56 for every $1.00 the employer contributed.

Plan summary
Net assets, end of year$42,146,084
Participants with balances444
Active participants329
Employer contributions$1,436,580
Employee contributions$2,236,952
Employer contribution per active participant$4,367
Average account balance$94,924
Benefits paid to participants$4,167,757
Plan auditUnmodified (clean) audit opinion
AuditorPERKINS & COMPANY
Plan history4
Yearassets · accounts · employer contribution
2025$42.1M · 444 accts · $1.4M emplr
2024$36.6M · 448 accts · $1.4M emplr
2023$29.9M · 461 accts · $1.3M emplr
2022$23.8M · 450 accts · $1.0M emplr
Administrative expenses, itemized · 2025
Recordkeeping & contract admin$123,164
Total administrative$123,164
The Iq Credit Union 401(k) match · 2025
Employer contribution per active participant$4,367
Median for plans this size$2,666
2025$4,367 per active participant
2024$3,934 per active participant
2023$3,589 per active participant
2022$2,940 per active participant

Iq Credit Union's 2025 employer contribution ran above the $2,666 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 2025 administrative ratio, against the median plan its size; fund expense ratios are extra. Compare any plan.

Service providers · 20252
STANCORP FINANCIAL GROUP · Claims processing · Recordkeeping$72,291
CAMBRIDGE INVESTMENT RESEARCH, INC. · Investment advisory (plan)$50,871

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

Recordkeeper by year3
2025The Standard
2024The Standard
2023The Standard

Looking for an account from a past job here? How to find an old 401(k).

Administrative cost history4
2025$123,164 · 0.31%
2024$135,064 · 0.41%
2023$112,633 · 0.42%
2022$110,910 · 0.44%
Same employer
Similar plansFinance & Insurance · Washington
Fibre Federal Credit Union WA$49.6M · 0.32%
Coastal Community Bank WA$45.4M · 0.27%
Brighton Jones, LLC WA$44.9M · 0.00%
Gesa Credit Union WA$41.1M · 0.20%
Timberland Bank WA$39.9M · 0.14%
Columbia Credit Union WA$39.9M · 0.09%

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Source: U.S. Department of Labor, Form 5500 series, EIN 910576399 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.