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Original filing (PDF)20251009150939NAL0015890194001
DIGITAL FEDERAL CREDIT UNION
Form 5500
FILING_RECEIVED
DIGITAL FEDERAL CREDIT UNION 401(K) RETIREMENT PLAN
401(k) retirement plan
Active participants
1,737
Accounts w/ balance
2,295
Plan assets (EOY)
$221.3M
Net assets (EOY)
$221.3M
How this plan invests
This plan
1 pooled trust
Schedule D
19 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
91
/ 100
Grade A
Top-tier plan health
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
100
Concentration risk
100
Total plan cost
65
Vendor stack
100
Participation health
100
Knocking points off
- 18 bps in Schedule C fees — 84% above peer band of 10 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for DIGITAL FEDERAL CREDIT UNION.
Plan sponsor
Name
DIGITAL FEDERAL CREDIT UNION
EIN
04-2683316
Address
853 DONALD LYNCH BOULEVARD · MARLBOROUGH, MA · 01752
Phone
(508) 804-9375
Industry
Finance & Insurancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
002
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-09
Pension benefit codes
2A · Age/service weighted or new comparability
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2S · Automatic enrollment
2T · Default investment account (QDIA)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
PKF O'CONNOR DAVIES, LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE COMPANY | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $232K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MORGAN STANLEY | — | NEW YORK, NY | INVESTMENT ADVISOR | $176K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| QDRO CONSULTANTS CO LLC | — | MEDINA, OH | OTHER | $300 | — |
Investments
18 direct securities · 1 pooled fund· $221.3M(100% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Click one to drill into its own Schedule of Assets — where the individual funds, shares, and CUSIPs live.
Uncategorized
$174.4M
17 holdings
Mutual Funds
$35.2M
1 holding
Common Collective Trust
$11.7M
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| S SHARES / UNITS Vanguard 500 Index Fund - Admiral | Mutual Funds | — | $65K | $35.2M | 15.9% | |
| American Funds Growth Fund of Amer R4 | — | — | $346K | $25.4M | 11.5% | |
| American Funds American Balanced R4 | — | — | $647K | $22.2M | 10.0% | |
| American Funds EuroPacific Gr R5 | — | — | $368K | $19.7M | 8.9% | |
| American Funds Washington Mutual R5 | — | — | $310K | $19.1M | 8.6% | |
| Vanguard Developed Markets Index Admiral | — | — | $1.1M | $16.8M | 7.6% | |
| PIMCO Total Return A | — | — | $1.5M | $12.8M | 5.8% | |
| Fidelity Advisor Strategic Income M | — | — | $1.1M | $12.3M | 5.6% | |
| PUTNAM STABLE VALUE FUND PUTNAM INVESTMENTS · EIN 04-3159710 / PN 202 | Common Collective Trust | — | $11.7M | $11.7M | 5.3% | |
| Vanguard Mid Cap Index Adm | — | — | $32K | $10.4M | 4.7% | |
| Janus Henderson Enterprise I | — | — | $45K | $6.5M | 2.9% | |
| Vanguard Small Cap Index Fund - Admiral | — | — | $52K | $6.0M | 2.7% | |
| Invesco Developing Markets Y | — | — | $125K | $4.8M | 2.1% | |
| American Century Small Cap Growth R6 | — | — | $202K | $4.7M | 2.1% | |
| with maturity dates through 2034 | — | — | — | $4.1M | 1.9% | |
| Victory Sycamore Established Value R6 | — | — | $76K | $3.5M | 1.6% | |
| Allspring Special Small Cap Value Inst | — | — | $75K | $3.0M | 1.4% | |
| American Funds Invmt Co of America R4 | — | — | $38K | $2.2M | 1.0% | |
| Franklin US Government Secs Adv | — | — | $217K | $1.1M | 0.5% |