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Original filing (PDF)20250711144220NAL0006420753001
MAX CREDIT UNION
Form 5500
FILING_RECEIVED
MAX CREDIT UNION CAPITAL ACCUMULATION PLAN
401(k) retirement plan
Signals · 1
26% in single holding
Active participants
291
Accounts w/ balance
377
Plan assets (EOY)
$57.3M
Net assets (EOY)
$57.3M
How this plan invests
This plan
14 pooled trusts
Schedule D
22 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
97
/ 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
100
Participation health
100
Knocking points off
- Top holding "MassMutual SAGIC DIVERSIFIED BOND II" is 26% of plan.
Helping the score
- Below-peer total fees (6 bps vs 16 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for MAX CREDIT UNION.
Plan sponsor
Name
MAX CREDIT UNION
EIN
36-4618706
Address
400 EASTDALE CIRCLE · MONTGOMERY, AL · 36117
Phone
(334) 260-2600
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
2025-07-11
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
CLIFTON LARSON ALLEN LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsRecordkeeper
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| NATIONWIDE | 31-4156860 | — | RECORDKEEPER | $14K | — |
| EMPOWER ANNUITY INSURANCE COMPANY | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $9K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| RAYMOND JAMES & ASSOCIATES INC | — | ST PETERSBURG, FL | OTHER | $15K | — |
Investments
22 direct securities · 14 pooled funds· $57.3M(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
$57.3M
22 holdings
Common Collective Trust
$0
14 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| MassMutual SAGIC DIVERSIFIED BOND II | — | — | — | $14.9M | 26.0% | |
| Blackrock EQUITY INDEX 1 | — | — | — | $7.9M | 13.7% | |
| John Hancock MYWAYRETIREMENT INDEX 2035 R | — | — | — | $5.0M | 8.8% | |
| John Hancock MYWAYRETIREMENT INDEX RETIREMENT R | — | — | — | $4.3M | 7.5% | |
| Franklin Templeton PUTNAM LARGE CAP VALUE TRUST II CL R | — | — | — | $3.5M | 6.2% | |
| John Hancock MYWAYRETIREMENT INDEX 2040 R | — | — | — | $3.3M | 5.8% | |
| John Hancock MYWAYRETIREMENT INDEX 2050 R | — | — | — | $3.1M | 5.4% | |
| American Century AMERICAN FUNDS GROWTH FUN OF AMER R6 | — | — | — | $2.9M | 5.0% | |
| John Hancock MYWAYRETIREMENT INDEX 2030 R | — | — | — | $2.4M | 4.2% | |
| John Hancock MYWAYRETIREMENT INDEX 2045 R | — | — | — | $2.1M | 3.6% | |
| John Hancock MYWAYRETIREMENT CORE BOND FUND CL R | — | — | — | $1.7M | 2.9% | |
| Participants Participant Loans Interest at 7.0% | — | — | — | $1.3M | 2.3% | |
| John Hancock MYWAYRETIREMENT INDEX 2055 R | — | — | — | $1.3M | 2.3% | |
| Blackrock U.S. DEBT INDEX 1 | — | — | — | $650K | 1.1% | |
| Vanguard Treasury MoneyMrkt Fd | — | — | — | $549K | 1.0% | |
| Nationwide Life Individual Variable Annuity Policies | — | — | — | $521K | 0.9% | |
| John Hancock MYWAYRETIREMENT INDEX 2060 R | — | — | — | $492K | 0.9% | |
| Blackrock EAFE EQUITY INDEX FEE CL R | — | — | — | $471K | 0.8% | |
| Fidelity ADVISOR SMALL CAP GROWTH Z | — | — | — | $290K | 0.5% | |
| John Hancock MYWAYRETIREMENT INDEX 2065 FUND CL R | — | — | — | $276K | 0.5% | |
| American Century AMERICAN CENTURY SMALL CAP VALUE R6 | — | — | — | $276K | 0.5% | |
| American Century AMERICAN FUNDS NEW PERSPECTIVE R6 | — | — | — | $21K | <0.1% | |
| CORE BOND I1 GREAT GRAY · EIN 82-1986152 / PN 000 | Common Collective Trust | — | — | $0 | <0.1% | |
| INDEXSELECT CONSERVATIVE 2055 FUND GREAT GRAY · EIN 81-4374798 / PN 000 | Common Collective Trust | — | — | $0 | <0.1% | |
| INDEXSELECT MODERATE 2045 FUND CL I GREAT GRAY · EIN 81-4515825 / PN 000 | Common Collective Trust | — | — | $0 | <0.1% | |
| LARGE CAP VALUE II GREAT GRAY · EIN 38-4065329 / PN 426 | Common Collective Trust | — | — | $0 | <0.1% | |
| GREAT GRAY EUROPACIFIC GROWTH TRUST GREAT GRAY · EIN 38-7289844 / PN 001 | Common Collective Trust | — | — | $0 | <0.1% | |
| INDEXSELECT AGGRESSIVE 2055 FUND GREAT GRAY · EIN 81-4499160 / PN 000 | Common Collective Trust | — | — | $0 | <0.1% | |
| INDEXSELECT CONSERVATIVE 2035 FUND GREAT GRAY · EIN 81-4418048 / PN 000 | Common Collective Trust | — | — | $0 | <0.1% | |
| LARGE CAP GROWTH I1 GREAT GRAY · EIN 82-4435820 / PN 375 | Common Collective Trust | — | — | $0 | <0.1% | |
| INDEXSELECT CONSERVATIVE 2045 FUND GREAT GRAY · EIN 81-4457845 / PN 000 | Common Collective Trust | — | — | $0 | <0.1% | |
| INDEXSELECT MODERATE 2035 FUND CL I GREAT GRAY · EIN 81-4484368 / PN 000 | Common Collective Trust | — | — | $0 | <0.1% | |
| INDEXSELECT AGGRESSIVE 2045 FUND CL GREAT GRAY · EIN 81-4430771 / PN 000 | Common Collective Trust | — | — | $0 | <0.1% | |
| INDEXSELECT MODERATE 2055 FUND GREAT GRAY · EIN 81-4430771 / PN 000 | Common Collective Trust | — | — | $0 | <0.1% | |
| INDEXSELECT CONSERVATIVE RET FUND C GREAT GRAY · EIN 81-4470950 / PN 000 | Common Collective Trust | — | — | $0 | <0.1% | |
| INDEXSELECT CONSERVATIVE 2025 FUND GREAT GRAY · EIN 38-4065329 / PN 426 | Common Collective Trust | — | — | $0 | <0.1% |