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Original filing (PDF)20250930172336NAL0005613619001
MARINE CREDIT UNION
Form 5500
FILING_RECEIVED
MARINE CREDIT UNION 401(K) PLAN
401(k) retirement plan
Active participants
418
Accounts w/ balance
550
Plan assets (EOY)
$37.3M
Net assets (EOY)
$37.3M
How this plan invests
This plan
31 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
91
/ 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
65
Vendor stack
100
Participation health
100
Knocking points off
- 48 bps in Schedule C fees — 64% above peer band of 29 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for MARINE CREDIT UNION.
Plan sponsor
Name
MARINE CREDIT UNION
EIN
39-0827305
Address
300 2ND STREET NORTH · LA CROSSE, WI · 54601
Phone
(608) 791-1452
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
2025-09-30
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
CLIFTONLARSONALLEN LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
5 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE COMPANY | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $71K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| GROVE POINT INVESTMENTS LLC | — | ROCKVILLE, MD | INVESTMENT ADVISOR | $68K | — |
Accountant / Auditor
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CLIFTONLARSONALLEN LLP | — | PHILADELPHIA, PA | AUDITOR | $15K | — |
Other
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ROLAND CRISS & WILLIAMS INC DBA ROL | — | ARLINGTON, TX | OTHER | $16K | — |
| EMPOWER ADVISORY GROUP | — | GREENWOOD VILLAGE, CO | INVESTMENT MGMT | $8K | — |
Investments
30 direct securities· $36.9M(99% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| American Funds 2045 Target Date Retire R6 | — | — | — | $6.1M | 16.3% | |
| American Funds 2050 Target Date Retire R6 | — | — | — | $4.8M | 12.8% | |
| American Funds 2035 Target Date Retire R6 | — | — | — | $4.3M | 11.4% | |
| American Funds 2030 Target Date Retire R6 | — | — | — | $3.8M | 10.1% | |
| American Funds 2055 Target Date Retire R6 | — | — | — | $3.5M | 9.5% | |
| Fidelity 500 Index | — | — | — | $2.9M | 7.8% | |
| American Funds 2040 Target Date Retire R6 | — | — | — | $2.2M | 5.8% | |
| American Funds 2060 Target Date Retire R6 | — | — | — | $1.5M | 4.0% | |
| American Funds 2025 Target Date Retire R6 | — | — | — | $1.4M | 3.8% | |
| Vanguard Small Cap Growth Index Admiral | — | — | — | $822K | 2.2% | |
| Great Gray Stable Value Fund Fee Class R1 | — | — | — | $750K | 2.0% | |
| Columbia Global Technology Growth Inst 3 | — | — | — | $733K | 2.0% | |
| Participants Participant Loans Interest Rates Range from 5.25% - 9.50% - | — | — | — | $573K | 1.5% | |
| American Funds 2020 Target Date Retire R6 | — | — | — | $510K | 1.4% | |
| American Funds 2065 Target Date Retire R6 | — | — | — | $483K | 1.3% | |
| Nuveen International Equity Index Fund | — | — | — | $451K | 1.2% | |
| TCW Metropolitan West Total Return Bond Plan | — | — | — | $410K | 1.1% | |
| Vanguard Wellesley Income Adm | — | — | — | $365K | 1.0% | |
| American Funds New World R6 | — | — | — | $331K | 0.9% | |
| MFS Mid Cap Value R6 | — | — | — | $225K | 0.6% | |
| MFS Mid Cap Growth R6 | — | — | — | $216K | 0.6% | |
| PGIM High-Yield R6 | — | — | — | $141K | 0.4% | |
| T. Rowe T. Rowe Price Health Sciences I | — | — | — | $130K | 0.3% | |
| Clearbridge International Growth IS | — | — | — | $100K | 0.3% | |
| American Funds 2015 Target Date Retire R6 | — | — | — | $70K | 0.2% | |
| Allspring Special Small Cap Value R6 | — | — | — | $53K | 0.1% | |
| DFA International Value I | — | — | — | $52K | 0.1% | |
| Cohen & Steers Cohen & Steers Real Estate Securities Z | — | — | — | $49K | 0.1% | |
| BNY Mellon BNY Mellon Natural Resources Y | — | — | — | $26K | <0.1% | |
| Goldman Sachs Goldman Sachs Short Dur Govt R6 | — | — | — | $20K | <0.1% |