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Original filing (PDF)20251008113311NAL0009665344001
FAIRWINDS CREDIT UNION
Form 5500
FILING_RECEIVED
FAIRWINDS CREDIT UNION RETIREMENT SAVINGS PLAN
401(k) retirement plan
Active participants
595
Accounts w/ balance
722
Plan assets (EOY)
$91.2M
Net assets (EOY)
$91.2M
How this plan invests
This plan
2 pooled trusts
Schedule D
29 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
95
/ 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
80
Vendor stack
100
Participation health
100
Knocking points off
- 20 bps in Schedule C fees — modestly above peer band of 16 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for FAIRWINDS CREDIT UNION.
Plan sponsor
Name
FAIRWINDS CREDIT UNION
EIN
11-1644012
Address
3087 N. ALAFAYA TRAIL · ORLANDO, FL · 32826
Phone
(407) 277-5045
Industry
Finance & Insurancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
001
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-08
Pension benefit codes
2G · Total participant-directed accounts
2E · Profit-sharing
2J · 401(k) feature
2K · 401(m) arrangement
2S · Automatic enrollment
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
2R · Participant-directed brokerage (SDBA)
2F · ERISA section 404(c)
Audit & trust (Schedule H)
Auditor
DOEREN MAYHEW ASSURANCE
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| FIDELITY INVESTMENTS INSTITUTIONAL | 04-2647786 | — | RECORDKEEPER | $86K | — |
Advisor / Consultant
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| NFP RETIREMENT INC. | 33-0905143 | — | INVESTMENT ADVISOR | $74K | — |
| STRATEGIC ADVISORS, INC. | 04-2654524 | — | ADVISOR | $22K | — |
Investments
27 direct securities · 2 pooled funds· $91.2M(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
$78.2M
27 holdings
Common Collective Trust
$13.0M
2 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| iShares S&P 500 Index Fund Investor A Shares # | — | — | — | $16.4M | 17.9% | |
| LARGE CAP GR III I1 GREAT GRAY TRUST COMPANY, LLC · EIN 38-7275327 / PN 001 | Common Collective Trust | — | — | $11.0M | 12.1% | |
| American Funds American Funds 2050 Target Date Retirement Fund Class R-6 # | — | — | — | $9.0M | 9.9% | |
| Fidelity Growth Strategies K-6 # | — | — | — | $7.2M | 7.9% | |
| Fidelity Brokerage Account # | — | — | — | $7.1M | 7.7% | |
| American Funds American Funds 2040 Target Date Retirement Fund Class R-6 # | — | — | — | $6.7M | 7.4% | |
| American Funds American Funds 2030 Target Date Retirement Fund Class R-6 # | — | — | — | $5.7M | 6.3% | |
| Lincoln Stable Fund # | — | — | — | $3.2M | 3.5% | |
| Victory RS International Fund Class R-6 # | — | — | — | $2.8M | 3.0% | |
| BlackRock Equity Dividend Fund Institutional Shares # | — | — | — | $2.8M | 3.0% | |
| Harbor Core Harbor Core Bond Retirement # | — | — | — | $2.6M | 2.8% | |
| Goldman Sachs Goldman Sachs Small-Cap Value Insights Fund Class R-6 # | — | — | — | $2.1M | 2.3% | |
| iShares Russell 2000 Small-Cap Index Fund Investor K Shares # | — | — | — | $2.1M | 2.3% | |
| MID CAP VALUE FEE I1 GREAT GRAY TRUST COMPANY · EIN 38-4139852 / PN 630 | Common Collective Trust | — | — | $2.0M | 2.2% | |
| American Funds American Funds 2045 Target Date Retirement Fund Class R-6 # | — | — | — | $1.9M | 2.1% | |
| BlackRock Emerging Market Funds Class K # | — | — | — | $1.3M | 1.4% | |
| Participant Loans Interest rates: 4.25% to 9.50% with various maturity dates - | — | — | — | $1.1M | 1.2% | |
| American Funds American Funds 2025 Target Date Retirement Fund Class R-6 # | — | — | — | $945K | 1.0% | |
| American Funds American Funds 2055 Target Date Retirement Fund Class R-6 # | — | — | — | $926K | 1.0% | |
| American Funds American Funds 2060 Target Date Retirement Fund Class R-6 # | — | — | — | $891K | 1.0% | |
| iShares Russell Mid-Cap Index Fund Investor K Shares # | — | — | — | $665K | 0.7% | |
| iShares MSCI EAFE International Index Fund Class K # | — | — | — | $570K | 0.6% | |
| American Funds American Funds 2035 Target Date Retirement Fund Class R-6 # | — | — | — | $569K | 0.6% | |
| American Funds American Funds 2020 Target Date Retirement Fund Class R-6 # | — | — | — | $502K | 0.6% | |
| Cohen & Steers C&S Institutional Realty Shares # | — | — | — | $478K | 0.5% | |
| PIMCO Income Fund Institutional Shares # | — | — | — | $437K | 0.5% | |
| American Funds American Funds 2065 Target Date Retirement Fund Class R-6 # | — | — | — | $335K | 0.4% | |
| Fidelity Government Money Market Fund # | — | — | — | $94K | 0.1% | |
| American Funds American Funds 2010 Target Date Retirement Fund Class R-6 # | — | — | — | $14K | <0.1% |