Plan Ledger DOL Form 5500 · updated monthly

Kemba Credit Union, Inc.401(k)

KEMBA CREDIT UNION PROFIT SHARING 401(K) PLAN AND TRUST · WEST CHESTER, OH · plan year 2024

Reported admin expense ratio · 2024
0.10%

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

Kemba Credit Union, Inc. reported $21,526 in plan administrative expenses for 2024: 0.10% of average plan assets, lower than ~75% of peers. Employer contributions averaged $4,282 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 0.08% to 0.10%. 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 1,139th-largest of 3,295 plans among Ohio employers on file, and 2,730th of 4,798 in finance & insurance. In 2024, employees put in $1.10 for every $1.00 the employer contributed; active participation has grown from 238 to 264 since 2022.

Plan summary
Net assets, end of year$24,619,836
Participants with balances318
Active participants264
Employer contributions$1,130,347
Employee contributions$1,247,842
Employer contribution per active participant$4,282
Average account balance$77,421
Benefits paid to participants$964,362
Plan auditUnmodified (clean) audit opinion
Plan history3
Yearassets · accounts · employer contribution
2024$24.6M · 318 accts · $1.1M emplr
2023$20.3M · 299 accts · $1.0M emplr
2022$16.7M · 276 accts · $931K emplr
Administrative expenses, itemized · 2024
Recordkeeping & contract admin$21,526
Total administrative$21,526
The Kemba Credit Union, Inc. 401(k) match · 2024
Employer contribution per active participant$4,282
Median for plans this size$2,416
2024$4,282 per active participant
2023$4,079 per active participant
2022$3,911 per active participant

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

Service providers · 20243
DYNAMIC PENSION SERVICES INC. · Contract administrator$17,101
UBS FINANCIAL SERVICE INCindirect comp
DYNAMIC PENSION SERVICES INC. · Other servicesindirect comp

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$21,526 · 0.10%
2023$17,519 · 0.09%
2022$13,955 · 0.08%
Same employer
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Heartland Bank OH$27.6M · 0.46%
Westfield Bank, Fsb OH$26.0M · 0.24%
Hbk Sorce Financial, LLC OH$25.7M · 0.07%
Liberty Capital, Inc. OH$23.6M · 0.22%
Horan Associates, Inc. OH$23.6M · 0.16%
Ancora Holdings Group, LLC OH$23.4M · 0.06%
Equity Resources, Inc OH$23.3M · 0.38%

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Source: U.S. Department of Labor, Form 5500 series, EIN 316034125 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.