Plan Ledger DOL Form 5500 · updated monthly

Together Credit Union401(k)

TOGETHER CREDIT UNION 401(K) PLAN · ST. LOUIS, MO · plan year 2024

Reported admin expense ratio · 2024
0.09%

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

Together Credit Union reported $45,549 in plan administrative expenses for 2024: 0.09% of average plan assets, below the peer median. Employer contributions averaged $4,696 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 0.10% to 0.09%. 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 313th-largest of 1,393 plans among Missouri employers on file, and the 1,606th of 4,798 in finance & insurance. In 2024, employees put in $1.06 for every $1.00 the employer contributed.

Plan summary
Net assets, end of year$52,358,689
Participants with balances606
Active participants423
Employer contributions$1,986,377
Employee contributions$2,113,269
Employer contribution per active participant$4,696
Average account balance$86,400
Benefits paid to participants$7,305,244
Plan auditUnmodified (clean) audit opinion
Plan history3
Yearassets · accounts · employer contribution
2024$52.4M · 606 accts · $2.0M emplr
2023$48.1M · 578 accts · $2.0M emplr
2022$42.6M · 553 accts · $1.9M emplr
Administrative expenses, itemized · 2024
Recordkeeping & contract admin$39,049
Audit (IQPA)$6,500
Total administrative$45,549
The Together Credit Union 401(k) match · 2024
Employer contribution per active participant$4,696
Median for plans this size$3,635
2024$4,696 per active participant
2023$4,923 per active participant
2022$4,373 per active participant

Together 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 · 20242
VALORIE S FOSTER DBA VALORIE S FOST · Accounting / audit$6,500

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$45,549 · 0.09%
2023$33,052 · 0.07%
2022$48,218 · 0.10%
Same employer
Similar plansFinance & Insurance · Missouri
Hawthorn Bancshares, Inc. MO$53.1M · 0.01%

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Source: U.S. Department of Labor, Form 5500 series, EIN 430160998 · Verify on EFAST2 · Amounts are as reported by the plan sponsor for the plan year shown.