Plan Ledger DOL Form 5500 · updated monthly

Police and Fire Federal Credit Union401(k)

POLICE AND FIRE FEDERAL CREDIT UNION EMPLOYEES RETIREMENT PLAN · PHILADELPHIA, PA · plan year 2025

Reported admin expense ratio · 2025
0.01%

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

Police and Fire Federal Credit Union reported $14,450 in plan administrative expenses for 2025: 0.01% of average plan assets, lower than ~75% of peers. Employer contributions averaged $3,713 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 0.02% to 0.01%. 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 424th-largest of 3,651 plans among Pennsylvania employers on file, and the 884th of 4,798 in finance & insurance. In 2025, employees put in $1.35 for every $1.00 the employer contributed.

Plan summary
Net assets, end of year$117,793,389
Participants with balances962
Active participants760
Employer contributions$2,821,953
Employee contributions$3,803,920
Employer contribution per active participant$3,713
Average account balance$122,446
Benefits paid to participants$8,639,107
Plan auditUnmodified (clean) audit opinion
Plan history4
Yearassets · accounts · employer contribution
2025$117.8M · 962 accts · $2.8M emplr
2024$104.2M · 954 accts · $2.9M emplr
2023$89.6M · 975 accts · $2.5M emplr
2022$75.5M · 929 accts · $2.5M emplr
The Police and Fire Federal Credit Union 401(k) match · 2025
Employer contribution per active participant$3,713
Median for plans this size$4,093
2025$3,713 per active participant
2024$3,719 per active participant
2023$3,162 per active participant
2022$3,261 per active participant

Police and Fire Federal Credit Union's 2025 employer contribution ran below 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
THE VANGUARD GROUP, INC. · Recordkeeping · Trustee (directed)$14,450

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

Recordkeeper by year3
2025Vanguard
2024Vanguard
2023Vanguard

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

Administrative cost history4
2025$14,450 · 0.01%
2024$13,820 · 0.01%
2023$11,952 · 0.01%
2022$14,556 · 0.02%
Same employer
Similar plansFinance & Insurance · Pennsylvania
S & T Bank PA$128.4M · 0.03%
Bdp International, Inc. PA$125.9M · 0.25%
Venerable Holdings, Inc. PA$116.7M · 0.01%
Westguard Insurance Company PA$112.0M · 0.09%

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Source: U.S. Department of Labor, Form 5500 series, EIN 231343988 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.