Plan Ledger DOL Form 5500 · updated monthly

Pioneer Federal Credit Union401(k)

PIONEER FEDERAL CREDIT UNION 401(K) PLAN & TRUST · MOUNTAIN HOME, ID · plan year 2024

Reported admin expense ratio · 2024
0.42%

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

Pioneer Federal Credit Union reported $51,480 in plan administrative expenses for 2024: 0.42% of average plan assets, above the peer median. Employer contributions averaged $2,871 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 fell from 0.51% to 0.42%. 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 153rd-largest of 349 plans among Idaho employers on file, and 3,771st of 4,798 in finance & insurance. In 2024, employees put in $1.54 for every $1.00 the employer contributed.

Plan summary
Net assets, end of year$12,154,612
Participants with balances222
Active participants175
Employer contributions$502,444
Employee contributions$772,685
Employer contribution per active participant$2,871
Average account balance$54,751
Benefits paid to participants$2,720,541
Plan auditUnmodified (clean) audit opinion
Plan history3
Yearassets · accounts · employer contribution
2024$12.2M · 222 accts · $502K emplr
2023$12.1M · 216 accts · $520K emplr
2022$10.8M · 212 accts · $506K emplr
Administrative expenses, itemized · 2024
Investment management$51,480
Total administrative$51,480
The Pioneer Federal Credit Union 401(k) match · 2024
Employer contribution per active participant$2,871
Median for plans this size$2,416
2024$2,871 per active participant
2023$2,937 per active participant
2022$2,693 per active participant

Pioneer 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 · 20243
MASSACHUSETTS MUTUAL LIFE INS COindirect comp
PINNACLE PENSION SERVICES · Contract administratorindirect 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$51,480 · 0.42%
2023$58,491 · 0.51%
2022$57,471 · 0.51%
Similar plansFinance & Insurance · Idaho
Westmark Credit Union ID$20.3M · 0.47%
Alscott Inc ID$18.4M · 0.01%
S7 Corp. ID$10.4M · 0.66%
Intermountain Claims Inc. ID$10.4M · 0.41%
Amplio Corporation ID$9.7M · 0.85%

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Source: U.S. Department of Labor, Form 5500 series, EIN 820230214 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.