Plan Ledger DOL Form 5500 · updated monthly

Security Service Federal Credit Union401(k)

SECURITY SERVICE FEDERAL CREDIT UNION CASH ACCUMULATION PLAN AND TRUST · SAN ANTONIO, TX · plan year 2025

Reported admin expense ratio · 2025
0.09%

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

Security Service Federal Credit Union reported $310,909 in plan administrative expenses for 2025: 0.09% of average plan assets, above the peer median. Employer contributions averaged $8,283 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 rose from 0.05% to 0.09%. The plan sits in the $250M–$1B size bracket, benchmarked here against 230 comparable plans and shown alongside other finance & insurance employers. By assets it is the 254th-largest of 5,688 plans among Texas employers on file, and the 385th of 4,798 in finance & insurance. In 2025, the employer put in $1.26 for every $1.00 employees contributed themselves.

Plan summary
Net assets, end of year$363,753,520
Participants with balances2,584
Active participants2,002
Employer contributions$16,582,512
Employee contributions$13,179,498
Employer contribution per active participant$8,283
Average account balance$140,771
Benefits paid to participants$30,841,422
Plan auditUnmodified (clean) audit opinion
Plan history4
Yearassets · accounts · employer contribution
2025$363.8M · 2,584 accts · $16.6M emplr
2024$315.6M · 2,526 accts · $15.9M emplr
2023$278.2M · 2,560 accts · $15.5M emplr
2022$225.7M · 2,429 accts · $13.5M emplr
Administrative expenses, itemized · 2025
Recordkeeping & contract admin$206,549
Investment management$80,000
Audit (IQPA)$24,360
Total administrative$310,909
The Security Service Federal Credit Union 401(k) match · 2025
Employer contribution per active participant$8,283
Median for plans this size$4,295
2025$8,283 per active participant
2024$8,188 per active participant
2023$7,734 per active participant
2022$7,024 per active participant

Security Service Federal Credit Union's 2025 employer contribution ran above the $4,295 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 · 20253
SCHWAB RETIREMENT PLAN SERVICES,INC · Recordkeeping$206,609
GALLAGHER BENEFIT SERVICES INC · Investment management$80,000
FORVIS, LLP · Accounting / audit$24,360

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

Recordkeeper by year3
2025Charles Schwab
2024Charles Schwab
2023Charles Schwab

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

Administrative cost history4
2025$310,909 · 0.09%
2024$319,960 · 0.11%
2023$213,155 · 0.08%
2022$113,231 · 0.05%
Same employer
Similar plansFinance & Insurance · Texas
Prosperity Bancshares, Inc. TX$383.0M · 0.09%
Orix Corporation USA TX$315.2M · 0.01%

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Source: U.S. Department of Labor, Form 5500 series, EIN 741277697 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.