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Original filing (PDF)20251015111543NAL0002307795001
SIMPLICITY CREDIT UNION
Form 5500
FILING_RECEIVED
SIMPLICITY CREDIT UNION CAPITAL ACCUMULATION PLAN
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
112
Accounts w/ balance
135
Plan assets (EOY)
$10.1M
Net assets (EOY)
$10.1M
How this plan invests
This plan
5 pooled trusts
Schedule D
21 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
- 36 bps in Schedule C fees — modestly above peer band of 29 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for SIMPLICITY CREDIT UNION.
Plan sponsor
Name
SIMPLICITY CREDIT UNION
EIN
39-0860994
Address
222 E UPHAM ST · MARSHFIELD, WI · 544491543
Phone
(715) 387-3702
Industry
Finance & Insurancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
033
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-15
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
HAWKINS ASH CPAS, LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
1 rowsOther
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CMFG LIFE INSURANCE COMPANY | 39-0230590 | — | NONE | $36K | — |
Investments
17 direct securities · 5 pooled funds· $9.8M(97% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Their holdings are itemized on each fund’s own Form 5500.
Uncategorized
$8.6M
17 holdings
Common Collective Trust
$1.3M
5 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| BlackRock LifePath Index 2050 K Mutual Fund N/A | — | — | — | $1.3M | 13.3% | |
| BlackRock LifePath Index 2045 K Mutual Fund N/A | — | — | — | $1.1M | 11.0% | |
| BlackRock LifePath Index 2030 K Mutual Fund N/A | — | — | — | $1.0M | 9.9% | |
| BlackRock LifePath Index 2040 K Mutual Fund N/A | — | — | — | $898K | 8.9% | |
| Vanguard Growth Index Institutional Mutual Fund N/A | — | — | — | $868K | 8.6% | |
| CUNA MUTUAL LIFESTYLE AGGR CMFG LIFE INSURANCE COMPANY · EIN 27-4581779 / PN 002 | Common Collective Trust | — | — | $805K | 8.0% | |
| Vanguard Institutional Index Instlplus Mutual Fund N/A | — | — | — | $687K | 6.8% | |
| BlackRock LifePath Index 2055 K Mutual Fund N/A | — | — | — | $619K | 6.1% | |
| BlackRock LifePath Index 2060 K Mutual Fund N/A | — | — | — | $523K | 5.2% | |
| BlackRock LifePath Index 2035 K Mutual Fund N/A | — | — | — | $486K | 4.8% | |
| Vanguard Extended Market Index Instlplus Mutual Fund N/A | — | — | — | $446K | 4.4% | |
| Notes Receivable from Participants Interest rates range of 4.25% to 9.50% - | — | — | — | $188K | 1.9% | |
| CUNA MUTUAL LIFESTYLE MOD CMFG LIFE INSURANCE COMPANY · EIN 27-4581779 / PN 005 | Common Collective Trust | — | — | $183K | 1.8% | |
| CUNA MUTUAL DIVERS EQUITY CMFG LIFE INSURANCE COMPANY · EIN 27-4581779 / PN 001 | Common Collective Trust | — | — | $165K | 1.6% | |
| Vanguard Ftse All-Wld Ex-Us Idx Instl Mutual Fund N/A | — | — | — | $137K | 1.4% | |
| CMFG Life Stable Value (201) Deposit Administration Contract N/A | — | — | — | $131K | 1.3% | |
| CUNA MUTUAL LIFESTYLE CONSRV CMFG LIFE INSURANCE COMPANY · EIN 27-4581779 / PN 003 | Common Collective Trust | — | — | $99K | 1.0% | |
| BlackRock LifePath Index Retire K Mutual Fund N/A | — | — | — | $53K | 0.5% | |
| BlackRock LifePath Index 2065 K Mutual Fund N/A | — | — | — | $33K | 0.3% | |
| Vanguard Value Index Instl Mutual Fund N/A | — | — | — | $15K | 0.1% | |
| Vanguard Total Bond Market Index Instlplus Mutual Fund N/A | — | — | — | $8K | <0.1% | |
| CUNA MUTUAL LIFESTYLE INCOME CMFG LIFE INSURANCE COMPANY · EIN 27-4581779 / PN 004 | Common Collective Trust | — | — | $242 | <0.1% |
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