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Original filing (PDF)20251013152353NAL0001614273001
MID MINNESOTA FEDERAL CREDIT UNION
Form 5500
FILING_RECEIVED
MID MINNESOTA FEDERAL CREDIT UNION 401(K) PROFIT SHARING PLAN
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
174
Accounts w/ balance
211
Plan assets (EOY)
$18.2M
Net assets (EOY)
$18.2M
How this plan invests
This plan
5 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)
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
- 41 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 MID MINNESOTA FEDERAL CREDIT UNION.
Plan sponsor
Name
MID MINNESOTA FEDERAL CREDIT UNION
EIN
41-0825219
Address
PO BOX 2907 · BAXTER, MN · 564256607
Phone
(218) 829-0371
Industry
Finance & Insurancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
001
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-13
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)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
CLIFTONLARSONALLEN 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 | $74K | — |
Investments
18 direct securities · 5 pooled funds· $19.5M(100% 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
$17.1M
18 holdings
Common Collective Trust
$2.3M
5 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| BlackRock Lifepath Index 2040 | — | — | — | $4.1M | 22.7% | |
| BlackRock Lifepath Index 2030 | — | — | — | $2.7M | 15.0% | |
| BlackRock Lifepath Index 2050 | — | — | — | $1.6M | 8.6% | |
| Great Gray Trust Company Trustee Lifestyle Moderate | — | — | — | $1.3M | 7.0% | |
| CUNA MUTUAL LIFESTYLEMODERATE FUND CMFG LIFE INSURANCE COMPANY · EIN 27-4581779 / PN 004 | Common Collective Trust | — | — | $1.3M | 7.0% | |
| Vanguard Value Index - Institutional | — | — | — | $1.0M | 5.5% | |
| Vanguard Growth Index - Institutional | — | — | — | $934K | 5.1% | |
| Vanguard Total Bond Market | — | — | — | $786K | 4.3% | |
| BlackRock Lifepath Index Retirement | — | — | — | $765K | 4.2% | |
| CMFG Life Ins. Co. CMFG Stable Value | — | — | — | $707K | 3.9% | |
| Vanguard Extended Market Index - Institutional | — | — | — | $611K | 3.4% | |
| BlackRock Lifepath Index 2045 | — | — | — | $586K | 3.2% | |
| CUNA MUTUAL LIFESTYLE AGGRESSIVE FD CMFG LIFE INSURANCE COMPANY · EIN 27-4581779 / PN 005 | Common Collective Trust | — | — | $562K | 3.1% | |
| Vanguard Institutional Index | — | — | — | $558K | 3.1% | |
| Vanguard FTSE All-World EX-US Index | — | — | — | $396K | 2.2% | |
| Participants Participant Loans Rates at 4.25% - 9.50% - | — | — | — | $367K | 2.0% | |
| CUNA MUTUAL LIFESTYLE CONSERVATIVE CMFG LIFE INSURANCE COMPANY · EIN 27-4581779 / PN 003 | Common Collective Trust | — | — | $303K | 1.7% | |
| BlackRock Lifepath Index 2055 | — | — | — | $293K | 1.6% | |
| BlackRock Lifepath Index 2035 | — | — | — | $236K | 1.3% | |
| BlackRock Lifepath Index 2060 | — | — | — | $161K | 0.9% | |
| CUNA MUTUAL DIVERSIFIED EQUITY FUND CMFG LIFE INSURANCE COMPANY · EIN 27-4581779 / PN 001 | Common Collective Trust | — | — | $142K | 0.8% | |
| BlackRock Lifepath Index 2065 | — | — | — | $47K | 0.3% | |
| CUNA MUTUAL LIFESTYLE INCOME FUND CMFG LIFE INSURANCE COMPANY · EIN 27-4581779 / PN 002 | Common Collective Trust | — | — | $42K | 0.2% |