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Original filing (PDF)20250415122416NAL0003312321001
MUNICIPAL CREDIT UNION
Form 5500
FILING_RECEIVED
MUNICIPAL CREDIT UNION DEFINED BENEFIT PLAN
Defined-benefit pension plan
Signals · 2
~108 bps in Sched C feesNo recordkeeper disclosed
Active participants
187
Accounts w/ balance
0
Plan assets (EOY)
$169.4M
Net assets (EOY)
$148.0M
Plan health score (directional)
84
/ 100
Grade B
Above-average plan
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
100
Concentration risk
75
Total plan cost
65
Vendor stack
80
Participation health
100
Knocking points off
- 108 bps in Schedule C fees — 979% above peer band of 10 bps.
- No recordkeeper disclosed on Schedule C.
Helping the score
- Concentration not scored — Schedule of Assets PDF not yet parsed for this plan.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for MUNICIPAL CREDIT UNION.
Plan sponsor
Name
MUNICIPAL CREDIT UNION
EIN
13-5261470
Address
22 CORTLANDT STREET, 26TH FLOOR · NEW YORK, NY · 10007
Phone
(212) 238-3585
Industry
Finance & Insurancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
001
Plan year
2023
Plan year begin
2023-07-01
Tax period
2024-06-30
Filed
2025-04-15
Pension benefit codes
1A · Pay-related DB formula
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
COHNREZNICK LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
5 rowsAdvisor / Consultant
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PMICO | 33-0629048 | — | INVESTMENT ADVISORY | $480K | — |
| ONEDIGITAL INVESTMENT ADVISORS | — | ATLANTA, GA | INVESTMENT ADVISORY | $21K | — |
Trustee
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PRINCIPAL COSTODIAL SOLUTIONS | 51-0099493 | — | TRUSTEE | $93K | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PRINCIPAL LIFE INSURANCE COMPANY | 42-0127290 | — | CONTRACT ADMINSTRATOR | $789K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CMFG LIFE INSURANCE COMPANY | 39-0230590 | — | OTHER SERIVCES | $444K | — |
Investments
The Schedule of Assets is filed as a free-form PDF attachment on EFAST2; we parse these offline and coverage is partial (priority is the largest plans by EOY assets). This plan also reports no pooled (Schedule D) interests, so its holdings aren’t hidden on a master-trust filing. The line-item data lives on DOL EFAST2 under the same ACK_ID.
See Methodology > Data linkages for how Form 5500 / Schedule H / Schedule D / Schedule of Assets fit together.