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Original filing (PDF)20250811134400NAL0003983027001
SCOTT CREDIT UNION
Form 5500
FILING_RECEIVED
SCOTT CREDIT UNION 401(K) PLAN
401(k) retirement plan
Active participants
340
Accounts w/ balance
431
Plan assets (EOY)
$20.7M
Net assets (EOY)
$20.7M
How this plan invests
This plan
1 pooled trust
Schedule D
46 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 (19 bps vs 29 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for SCOTT CREDIT UNION.
Plan sponsor
Name
SCOTT CREDIT UNION
EIN
37-0732817
Address
ATTN HUMAN RESOURCES · 101 CREDIT UNION WAY · EDWARDSVILLE, IL · 62025
Phone
(618) 345-1111
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
2025-08-11
Pension benefit codes
2A · Age/service weighted or new comparability
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
CLIFTONLARSONALLEN LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| TRANSAMERICA RETIREMENT SOLUTIONS | 13-3689044 | — | RECORD KEEPER | $21K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MESIROW FINANCIAL, INC. | 36-3194849 | — | INVESTMENT ADVISORY-PLAN | $4K | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| BENEFIT PLANS PLUS, LLC | 43-1829594 | — | THIRD PARTY ADMIN | $15K | — |
Investments
46 direct securities · 1 pooled fund· $21.4M(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
$20.7M
46 holdings
Pooled Separate Account
$620K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| JPMorgan SmartRetirement 2025 R2 | — | — | — | $2.8M | 13.3% | |
| JPMorgan SmartRetirement 2045 R2 | — | — | — | $1.8M | 8.7% | |
| JPMorgan SmartRetirement 2040 R2 | — | — | — | $1.7M | 8.3% | |
| JPMorgan SmartRetirement 2055 R2 | — | — | — | $1.6M | 7.9% | |
| JPMorgan SmartRetirement 2030 R2 | — | — | — | $1.5M | 7.4% | |
| JPMorgan SmartRetirement 2050 R2 | — | — | — | $1.3M | 6.2% | |
| JPMorgan SmartRetirement 2035 R2 | — | — | — | $1.1M | 5.1% | |
| Vanguard Total Stock Mkt Idx Adm | — | — | — | $643K | 3.1% | |
| Transamerica Life Insurance Co. Federated Capital Preservation Fund | — | — | — | $620K | 3.0% | |
| FEDERATED HERMES CAP PRESERV RET OP TRANSAMERICA LIFE INSURANCE COMPANY · EIN 39-0989781 / PN 615 | Pooled Separate Account | — | — | $620K | 3.0% | |
| Vanguard Growth Index Adm | — | — | — | $604K | 2.9% | |
| Vanguard Value Index Adm | — | — | — | $511K | 2.5% | |
| Participant Loans Interest Rates from 4.25% to 9.50% - | — | — | — | $495K | 2.4% | |
| Vanguard Target Retirement 2050 Inv | — | — | — | $439K | 2.1% | |
| JPMorgan SmartRetirement 2020 R2 | — | — | — | $422K | 2.0% | |
| Vanguard Target Retirement 2030 Inv | — | — | — | $407K | 2.0% | |
| Vanguard Target Retirement 2040 Inv | — | — | — | $380K | 1.8% | |
| Fidelity Investments New Insights M | — | — | — | $344K | 1.7% | |
| Vanguard Inflation Protected Secs Inv | — | — | — | $312K | 1.5% | |
| Vanguard Target Retirement 2025 Inv | — | — | — | $280K | 1.3% | |
| Invesco Diversified Dividend A | — | — | — | $266K | 1.3% | |
| T. Rowe Price Growth Stock R | — | — | — | $204K | 1.0% | |
| Pimco Total Return R | — | — | — | $202K | 1.0% | |
| JPMorgan SmartRetirement Income R2 | — | — | — | $200K | 1.0% | |
| Lord Abbett Total Return R3 | — | — | — | $200K | 1.0% | |
| Vanguard Target Retirement 2055 Inv | — | — | — | $197K | 1.0% | |
| Natixis Funds Loomis Sayles Investment Grade Bond A | — | — | — | $191K | 0.9% | |
| Janus Henderson Enterprise R | — | — | — | $188K | 0.9% | |
| American Funds New Perspective R3 | — | — | — | $163K | 0.8% | |
| Vanguard Target Retirement 2035 Inv | — | — | — | $157K | 0.8% | |
| American Funds New Economy R3 | — | — | — | $146K | 0.7% | |
| Vanguard Total Intl Stock Index Admiral | — | — | — | $137K | 0.7% | |
| American Funds AMCAP R3 | — | — | — | $136K | 0.7% | |
| Legg Mason ClearBridge Small Cap Growth R | — | — | — | $128K | 0.6% | |
| Eaton Vance Atlanta Capital SMID-Cap R | — | — | — | $127K | 0.6% | |
| Vanguard Mid Cap Index Adm | — | — | — | $118K | 0.6% | |
| American Funds American Balanced R3 | — | — | — | $115K | 0.6% | |
| American Funds American Hi Inc Tr R3 | — | — | — | $100K | 0.5% | |
| BlackRock Global Allocation R | — | — | — | $97K | 0.5% | |
| Vanguard Real Estate Index Adm | — | — | — | $97K | 0.5% | |
| BNY Mellon | — | — | — | $94K | 0.5% | |
| Victory Integrity Small-Cap Value A | — | — | — | $89K | 0.4% | |
| Ivy Funds Mid Cap Growth R | — | — | — | $74K | 0.4% | |
| Franklin Templeton Investments Income R | — | — | — | $23K | 0.1% | |
| MFS Aggressive Growth Allocation R2 | — | — | — | $22K | 0.1% | |
| Vanguard Target Retirement Income Inv | — | — | — | $12K | <0.1% | |
| Vanguard Target Retirement 2045 Inv | — | — | — | $11K | <0.1% |