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Original filing (PDF)20250730151448NAL0005859072001
MID-HUDSON VALLEY FEDERAL CREDIT UNION
Form 5500
FILING_RECEIVED
MID-HUDSON VALLEY FEDERAL CREDIT UNION 401(K) PLAN
401(k) retirement plan
Active participants
286
Accounts w/ balance
318
Plan assets (EOY)
$32.6M
Net assets (EOY)
$32.6M
How this plan invests
This plan
2 pooled trusts
Schedule D
24 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
100
/ 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
100
Vendor stack
100
Participation health
100
Helping the score
- Below-peer total fees (16 bps vs 29 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for MID-HUDSON VALLEY FEDERAL CREDIT UNION.
Plan sponsor
Name
MID-HUDSON VALLEY FEDERAL CREDIT UNION
EIN
14-1471539
Address
1099 MORTON BLVD · KINGSTON, NY · 12401
Phone
(845) 336-4444
Industry
Finance & Insurancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
003
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-07-30
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)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
CARON & BLETZER, PLLC
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 | $11K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ONE DIGITAL | 82-1434504 | — | INVESTMENT ADVISOR | $20K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| NEWPORT GROUP, INC. | 27-2037969 | — | NONE | $21K | — |
Investments
24 direct securities · 2 pooled funds· $33.5M(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
$31.5M
24 holdings
Common Collective Trust
$2.0M
2 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Fidelity 500 Index Fund " | — | — | — | $7.2M | 22.1% | |
| American Century Investments One Choice 2035 Portfolio R6 " | — | — | — | $2.9M | 8.9% | |
| American Century Investments One Choice 2025 Portfolio R6 " | — | — | — | $2.5M | 7.7% | |
| AB Large Cap Growth Fund Class Z " | — | — | — | $2.3M | 7.2% | |
| Putnam Large Cap Value Fund Class R6 " | — | — | — | $2.1M | 6.4% | |
| Galliard Stable Return Fund C Common collective trust | — | — | — | $2.0M | 6.0% | |
| GALLIARD STBLE RTN C WELLS FARGO BANK, N.A. · EIN 52-2250946 / PN 001 | Common Collective Trust | — | — | $2.0M | 6.0% | |
| Virtus KAR Mid-Cap Growth Fund Class R6 " | — | — | — | $1.6M | 5.1% | |
| MFS International Diversification Fund Class R6 " | — | — | — | $1.5M | 4.6% | |
| American Century Investments One Choice 2050 Portfolio R6 " | — | — | — | $1.4M | 4.2% | |
| American Century Investments One Choice 2045 Portfolio R6 " | — | — | — | $1.2M | 3.6% | |
| American Century Investments One Choice 2060 Portfolio R6 " | — | — | — | $983K | 3.0% | |
| Dodge & Cox Income Fund Class I " | — | — | — | $931K | 2.9% | |
| Victory Sycamore Established Value Fund Class R6 " | — | — | — | $882K | 2.7% | |
| Franklin Small Cap Value Fund Class R6 " | — | — | — | $835K | 2.6% | |
| American Century Investments One Choice 2055 Portfolio R6 " | — | — | — | $835K | 2.6% | |
| American Century Investments One Choice 2030 Portfolio R6 " | — | — | — | $711K | 2.2% | |
| American Century Investments One Choice 2040 Portfolio R6 " | — | — | — | $580K | 1.8% | |
| American Century One Choice In Retirement Portfolio R6 " | — | — | — | $566K | 1.7% | |
| Vanguard Explorer Fund Admiral Shares " | — | — | — | $446K | 1.4% | |
| American Century Investments One Choice 2065 Portfolio R6 " | — | — | — | $41K | 0.1% | |
| Fidelity International Index Fund " | — | — | — | $12K | <0.1% | |
| American Funds American Balanced Fund Class R6 " ** 236 Cohen & Steers Real Estate Securities Fund Class Z " ** 492 Neuberger Berman Strategic Income Fund Class R6 " | — | — | — | $4K | <0.1% | |
| Fidelity Mid Cap Index Fund " ** 221 * Fidelity Small Cap Index Fund " | — | — | — | $3K | <0.1% | |
| ClearBridge International Growth Fund Class IS Mutual fund | — | — | — | $2K | <0.1% | |
| GALLIARD STABLE RETURN FUND N GALLIARD CAPITAL MNGT · EIN 76-0727727 / PN 001 | Common Collective Trust | — | — | $0 | <0.1% |