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Original filing (PDF)20250522165642NAL0002376499001
HUDSON VALLEY CREDIT UNION
Form 5500
FILING_RECEIVED
HVCU 401(K) PLAN
401(k) retirement plan
Signals · 2
25% in single holdingNo recordkeeper disclosed
Active participants
951
Accounts w/ balance
1,153
Plan assets (EOY)
$93.5M
Net assets (EOY)
$93.5M
How this plan invests
This plan
19 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
87
Total plan cost
100
Vendor stack
80
Participation health
100
Knocking points off
- Top holding "Janus Henderson Balanced T Fund" is 25% of plan.
- No recordkeeper disclosed on Schedule C.
Helping the score
- Below-peer total fees (4 bps vs 16 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for HUDSON VALLEY CREDIT UNION.
Plan sponsor
Name
HUDSON VALLEY CREDIT UNION
EIN
14-1471439
Address
137 BOARDMAN ROAD · POUGHKEEPSIE, NY · 126034821
Phone
(800) 468-3011
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
2025-05-22
Pension benefit codes
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)
3C · Not intended to be qualified
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
CLIFTONLARSONALLEN, LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsTPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PRINCIPAL LIFE INSURANCE COMPANY | 42-0127290 | — | CONTRACT ADMINISTRATOR | $41K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| HUDSON VALLEY CREDIT UNION | 14-1471430 | — | OTHER SERVICES | $0 | — |
Investments
19 direct securities· $93.5M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Janus Henderson Balanced T Fund | — | — | — | $23.6M | 25.2% | |
| Legg Mason ClearBridge Large Cap Gr A Fund | — | — | — | $11.9M | 12.8% | |
| Fidelity 500 Index Fund | — | — | — | $8.7M | 9.3% | |
| Capital Research and Mgmt Co American Funds New Perspective Fund Class R6 | — | — | — | $6.6M | 7.0% | |
| Principal Trust Company Principal Fixed Income Guaranteed Option | — | — | — | $4.9M | 5.2% | |
| T. Rowe Price Mid-Cap Growth Fund | — | — | — | $4.7M | 5.0% | |
| American Century Investment Equity Income Investment I Fund | — | — | — | $4.1M | 4.4% | |
| Principal Small Cap S&P 600 Index Investment Fund R6 | — | — | — | $3.8M | 4.1% | |
| Capital Research and Mgmt Co American Funds Washington Mutual Investor R6 Fund | — | — | — | $3.8M | 4.0% | |
| Fidelity Global ex US Index Fund | — | — | — | $3.7M | 4.0% | |
| Principal Mid-Cap S&P 400 Index Investment Fund R6 | — | — | — | $3.3M | 3.5% | |
| Metropolitan Management Metro West Total Return Bond I Fund | — | — | — | $3.1M | 3.3% | |
| Participants Participant Loans Rates from 5.25% to 10.50% with Various Maturity - | — | — | — | $2.4M | 2.6% | |
| Emerald Growth Fund | — | — | — | $2.1M | 2.2% | |
| Vaughan Nelson/LA Capital/ H&W Small Cap Value II Inst Fund | — | — | — | $1.8M | 1.9% | |
| American Century Investment Mid-Cap Value R6 | — | — | — | $1.4M | 1.5% | |
| PIMCO Income Institutional Fund | — | — | — | $1.4M | 1.5% | |
| Principal Real Estate Securities Investment Fund R6 | — | — | — | $1.4M | 1.5% | |
| Fidelity US Bond Index Fund | — | — | — | $647K | 0.7% |