Plan Ledger DOL Form 5500 · updated monthly

Texas Dow Employees Credit Union401(k)

TEXAS DOW EMPLOYEES CREDIT UNION 401(K) PLAN · LAKE JACKSON, TX · plan year 2024

Reported admin expense ratio · 2024
0.18%

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

Texas Dow Employees Credit Union reported $136,791 in plan administrative expenses for 2024: 0.18% of average plan assets, above the peer median. Employer contributions averaged $4,378 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 0.16% to 0.18%. The plan sits in the $50M–$250M size bracket, benchmarked here against 10,352 comparable plans and shown alongside other finance & insurance employers. By assets it is the 761st-largest of 5,688 plans among Texas employers on file, and the 1,180th of 4,798 in finance & insurance. In 2024, employees put in $1.50 for every $1.00 the employer contributed; active participation has shrunk from 973 to 859 since 2022.

Plan summary
Net assets, end of year$80,417,746
Participants with balances1,034
Active participants859
Employer contributions$3,760,949
Employee contributions$5,645,525
Employer contribution per active participant$4,378
Average account balance$77,773
Benefits paid to participants$9,203,523
Plan auditUnmodified (clean) audit opinion
Plan history3
Yearassets · accounts · employer contribution
2024$80.4M · 1,034 accts · $3.8M emplr
2023$70.2M · 1,053 accts · $4.0M emplr
2022$62.0M · 1,121 accts · $4.5M emplr
Administrative expenses, itemized · 2024
Recordkeeping & contract admin$136,791
Total administrative$136,791
The Texas Dow Employees Credit Union 401(k) match · 2024
Employer contribution per active participant$4,378
Median for plans this size$3,635
2024$4,378 per active participant
2023$4,524 per active participant
2022$4,632 per active participant

Texas Dow Employees Credit Union's 2024 employer contribution ran above the $3,635 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 · 20241
PRINCIPAL LIFE INSURANCE COMPANY · Contract administrator · Loan processing$136,791

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$136,791 · 0.18%
2023$116,990 · 0.18%
2022$103,770 · 0.16%
Same employer
Similar plansFinance & Insurance · Texas
Exeter Finance LLC TX$86.3M · 0.16%
Veritex Community Bank TX$84.0M · 0.04%
Southside Bancshares, Inc. TX$82.0M · 0.11%
Apex Fintech Services LLC TX$79.8M · 0.01%
The Rosewood Corporation TX$79.4M · 0.02%

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Source: U.S. Department of Labor, Form 5500 series, EIN 741260543 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.