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Original filing (PDF)20250929091255NAL0013644928001
EVERWISE CREDIT UNION
Form 5500
FILING_RECEIVED
EVERWISE CREDIT UNION 401(K) PLAN
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
739
Accounts w/ balance
869
Plan assets (EOY)
$94.1M
Net assets (EOY)
$94.1M
How this plan invests
This plan
19 pooled trusts
Schedule D
31 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
93
/ 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
80
Participation health
100
Knocking points off
- 22 bps in Schedule C fees — modestly above peer band of 16 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for EVERWISE CREDIT UNION.
Plan sponsor
Name
EVERWISE CREDIT UNION
EIN
35-0702986
Address
110 S MAIN STREET · SOUTH BEND, IN · 466011805
Phone
(574) 234-7421
Industry
Commercial Banking· 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
2025-09-29
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
FORVIS MAZARS, LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
4 rowsAdvisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MEMBERS CAPITAL ADVISORS, INC | 42-0388260 | — | INVESTMENT ADVISORY | $63K | — |
TPA / Administrator
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CMFG LIFE INSURANCE COMPANY | 39-0230590 | — | CONTRACT ADMINISTRATOR | $95K | — |
| PRINCIPAL LIFE INSURANCE COMPANY | 42-0127290 | — | CONTRACT ADMINISTRATOR | $53K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CREATIVE PLANNING, LLC | 84-4519624 | — | INV ADV, PARTICIPANTS | $0 | — |
Investments
15 direct securities · 19 pooled funds· $119.5M(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.
Common Collective Trust
$44.9M
16 holdings
Pooled Separate Account
$29.1M
3 holdings
Uncategorized
$23.9M
13 holdings
Pooled Separate Accounts
$21.3M
1 holding
Mutual Funds
$371K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| s *Principal Large Cap S&P 500 Index Separate Account-NE 142,882 shares | Pooled Separate Accounts | — | $143K | $21.3M | 22.6% | |
| PRIN LGCP S&P 500 IDX SA-NE PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 016 | Pooled Separate Account | — | — | $21.3M | 22.6% | |
| STATE STREET US BD ID SL XIV STATE STREET BANK AND TRUST COMPANY · EIN 90-0337987 / PN 477 | Common Collective Trust | — | $684K | $7.4M | 7.8% | |
| STATE ST WD DV EX US IDX II FD STATE STREET BANK AND TRUST COMPANY · EIN 04-0025081 / PN 034 | Common Collective Trust | — | $487K | $7.0M | 7.4% | |
| Fidelity 500 Index Fund 30,983 shares | — | — | $31K | $6.3M | 6.7% | |
| T ROWE PRICE RET 2045 TR CL H T. ROWE PRICE TRUST COMPANY · EIN 32-6199848 / PN 001 | Common Collective Trust | — | $149K | $5.6M | 6.0% | |
| STABLE VALUE FIXED INCOME CIT ALTA TRUST COMPANY · EIN 88-2465398 / PN 001 | Common Collective Trust | — | $505K | $5.5M | 5.9% | |
| T ROWE PRICE RET 2050 TR CL H T. ROWE PRICE TRUST COMPANY · EIN 30-6303214 / PN 001 | Common Collective Trust | — | $136K | $5.2M | 5.5% | |
| Insurance Company *Principal Guaranteed Option 2.85% | — | — | — | $4.8M | 5.1% | |
| Principal Mid Cap S&P 400 Index Separate Account-NE 37,205 shares | — | — | $37K | $4.1M | 4.4% | |
| PRIN MIDCAP S&P 400 IDX SA-NE PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 023 | Pooled Separate Account | — | — | $4.1M | 4.4% | |
| STATE STREET EM IDX SL II FD STATE STREET GLOBAL ADVISORS · EIN 32-6528132 / PN 035 | Common Collective Trust | — | $320K | $3.9M | 4.1% | |
| PRIN SMCAP S&P 600 INDEX SA-NE PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 028 | Pooled Separate Account | — | $34K | $3.7M | 3.9% | |
| Fidelity Large Cap Growth Index Fund 77,122 shares | — | — | $77K | $3.0M | 3.2% | |
| T ROWE PRICE RET 2055 TR CL H T. ROWE PRICE TRUST COMPANY · EIN 35-6941728 / PN 001 | Common Collective Trust | — | $61K | $2.3M | 2.4% | |
| T ROWE PRICE RET 2060 TR CL H T. ROWE PRICE TRUST COMPANY · EIN 47-1088316 / PN 001 | Common Collective Trust | — | $90K | $2.1M | 2.3% | |
| T ROWE PRICE RET 2035 TR CL H T. ROWE PRICE TRUST COMPANY · EIN 36-7595013 / PN 001 | Common Collective Trust | — | $58K | $2.0M | 2.1% | |
| Notes Receivable From Participants Various maturity dates through 2051; interest rates from 4.25% - 9.50% | — | — | — | $1.7M | 1.8% | |
| T ROWE PRICE RET 2025 TR CL H T. ROWE PRICE TRUST COMPANY · EIN 37-6495447 / PN 001 | Common Collective Trust | — | $55K | $1.6M | 1.7% | |
| Fidelity Mid Cap Index Fund 41,109 shares | — | — | $41K | $1.4M | 1.5% | |
| T ROWE PRICE RET 2065 TR CL H T. ROWE PRICE TRUST COMPANY · EIN 85-1763138 / PN 001 | Common Collective Trust | — | $69K | $1.0M | 1.1% | |
| PUTNAM LARGE CP VALUE TRUST IA PUTNAM FIDUCIARY TRUST COMPANY · EIN 82-3639536 / PN 275 | Common Collective Trust | — | $23K | $486K | 0.5% | |
| Fidelity Global ex US Index Fund 30,471 shares | — | — | $30K | $439K | 0.5% | |
| DFA International Core Equity Portfolio 27,154 shares | — | — | $27K | $419K | 0.4% | |
| Fidelity Small Cap Index Fund 14,220 shares | — | — | $14K | $394K | 0.4% | |
| T ROWE PRICE RET 2030 TR CL H T. ROWE PRICE TRUST COMPANY · EIN 38-7010946 / PN 001 | Common Collective Trust | — | $12K | $392K | 0.4% | |
| Dodge & Cox Income Fund 29,960 shares | Mutual Funds | — | $30K | $371K | 0.4% | |
| Vangaurd Real Estate Index Fund 2,928 shares | — | — | $3K | $370K | 0.4% | |
| Invesco Discovery Fund 2,828 shares | — | — | $3K | $355K | 0.4% | |
| Fidelity US Bond Index 31,897 shares | — | — | $32K | $326K | 0.3% | |
| PIMCO Real Return Fund 25,503 shares | — | — | $26K | $254K | 0.3% | |
| FRANKLN SMALL CAP VALUE GG R GREAT GRAY TRUST COMPANY · EIN 38-4126289 / PN 594 | Common Collective Trust | — | $10K | $225K | 0.2% | |
| T ROWE PRICE RET 2040 TR CL H T. ROWE PRICE TRUST COMPANY · EIN 35-6941729 / PN 001 | Common Collective Trust | — | $5K | $188K | 0.2% | |
| T ROWE PRICE RET 2015 TR CL H T. ROWE PRICE TRUST COMPANY · EIN 35-6941654 / PN 001 | Common Collective Trust | — | — | $0 | <0.1% |
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