Plan Ledger DOL Form 5500 · updated monthly

Jsc Federal Credit Union401(k)

JSC FEDERAL CREDIT UNION 401(K) PLAN AND TRUST · HOUSTON, TX · plan year 2024

Reported admin expense ratio · 2024
0.40%

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

Jsc Federal Credit Union reported $90,932 in plan administrative expenses for 2024: 0.40% of average plan assets, above the peer median. Employer contributions averaged $2,917 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 0.31% to 0.40%. 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 1,775th-largest of 5,688 plans among Texas employers on file, and 2,748th of 4,798 in finance & insurance. In 2024, employees put in $1.36 for every $1.00 the employer contributed; active participation has grown from 324 to 409 since 2022.

Plan summary
Net assets, end of year$24,313,682
Participants with balances497
Active participants409
Employer contributions$1,193,191
Employee contributions$1,625,433
Employer contribution per active participant$2,917
Average account balance$48,921
Benefits paid to participants$2,859,106
Plan auditUnmodified (clean) audit opinion
Plan history3
Yearassets · accounts · employer contribution
2024$24.3M · 497 accts · $1.2M emplr
2023$21.1M · 556 accts · $971K emplr
2022$18.4M · 400 accts · $705K emplr
Administrative expenses, itemized · 2024
Recordkeeping & contract admin$51,486
Investment management$39,446
Total administrative$90,932
The Jsc Federal Credit Union 401(k) match · 2024
Employer contribution per active participant$2,917
Median for plans this size$2,416
2024$2,917 per active participant
2023$2,510 per active participant
2022$2,176 per active participant

Jsc Federal Credit Union's 2024 employer contribution ran above 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 · 20242
CMFG LIFE INSURANCE COMPANY · Recordkeeping · Pension consulting$51,486
UBS FINANCIAL SERVICES INC. · Investment advisory (plan)$39,446

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

Recordkeeper by year2
2024TruStage (CUNA Mutual)
2023TruStage (CUNA Mutual)

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

Administrative cost history3
2024$90,932 · 0.40%
2023$76,527 · 0.39%
2022$62,181 · 0.31%
Same employer
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First Bank TX$24.7M · 0.41%
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Source: U.S. Department of Labor, Form 5500 series, EIN 741457691 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.