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Original filing (PDF)20251008153033NAL0006070609001
EDUCATIONAL SYSTEMS FEDERAL CREDIT UNION
Form 5500
FILING_RECEIVED
EDUCATIONAL SYSTEMS FEDERAL CREDIT UNION MONEY PURCHASE PLAN
Defined-contribution retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
171
Accounts w/ balance
228
Plan assets (EOY)
$15.1M
Net assets (EOY)
$15.1M
How this plan invests
This plan
33 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
98
/ 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
80
Participation health
100
Knocking points off
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for EDUCATIONAL SYSTEMS FEDERAL CREDIT UNION.
Plan sponsor
Name
EDUCATIONAL SYSTEMS FEDERAL CREDIT UNION
EIN
52-0695019
Address
MARYLAND TRADE CENTER 1 · 7500 GREENWAY CENTER DR., STE 1400 · GREENBELT, MD · 207703502
Phone
(301) 779-8500
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
2025-10-08
Pension benefit codes
2C · Money purchase (other than target benefit)
2F · ERISA section 404(c)
2G · Total participant-directed accounts
3D · Pre-approved plan (master / prototype / VS)
2T · Default investment account (QDIA)
Audit & trust (Schedule H)
Auditor
DELEON & STANG, CPAS AND ADVISORS
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsAdvisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ARTHUR J GALLAGHER & CO | 36-4291971 | ROLLING MEADOWS, IL | INVESTMENT ADVISORY | $10K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| LINCOLN NATIONAL CORPORATION | 35-1140070 | — | SERVICE PROVIDER | $29K | — |
Investments
33 direct securities· $15.1M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Fidelity Contrafund Class K | — | — | — | $1.7M | 11.0% | |
| Lincoln National Life Insurance Company Lincoln Stable Value Account | — | — | — | $1.3M | 8.9% | |
| MFS Investment Management MFS Moderate Allocation Class R6 | — | — | — | $1.3M | 8.5% | |
| Fidelity 500 Index | — | — | — | $1.2M | 7.9% | |
| Vanguard Windsor II Admiral Shares | — | — | — | $993K | 6.6% | |
| American Funds American Funds 2050 Target Date Retirement Class R6 | — | — | — | $970K | 6.4% | |
| American Funds American Funds 2040 Target Date Retirement Class R6 | — | — | — | $907K | 6.0% | |
| American Funds American Funds 2025 Target Date Retirement Class R6 | — | — | — | $782K | 5.2% | |
| MFS Investment Management MFS Conservative Allocation Class R6 | — | — | — | $738K | 4.9% | |
| American Funds American Funds 2030 Target Date Retirement Class R6 | — | — | — | $720K | 4.8% | |
| MFS Investment Management MFS Growth Allocation Class R6 | — | — | — | $602K | 4.0% | |
| JP Morgan JP Morgan Mid Cap Growth Class R6 | — | — | — | $467K | 3.1% | |
| American Funds American Funds 2035 Target Date Retirement Class R6 | — | — | — | $464K | 3.1% | |
| American Funds American Funds 2055 Target Date Retirement Class R6 | — | — | — | $407K | 2.7% | |
| JP Morgan JP Morgan Core Bond Class R6 | — | — | — | $390K | 2.6% | |
| American Funds American Funds 2020 Target Date Retirement Class R6 | — | — | — | $344K | 2.3% | |
| American Funds American Funds 2045 Target Date Retirement Class R6 | — | — | — | $338K | 2.2% | |
| PIMCO Income Institutional Class | — | — | — | $239K | 1.6% | |
| Causeway Capital Management Causeway International Value Class Institutional | — | — | — | $233K | 1.5% | |
| Fidelity Low Priced Stock Class K | — | — | — | $215K | 1.4% | |
| Dimensional Fund Advisors DFA US Small Cap Value Institutional Class | — | — | — | $170K | 1.1% | |
| American Funds American Funds New Perspective Class R6 | — | — | — | $111K | 0.7% | |
| American Funds American Funds 2060 Target Date Retirement Class R6 | — | — | — | $80K | 0.5% | |
| Notes Receivable from Participants Interest rates charged between 4.25% - 9.50% - | — | — | — | $77K | 0.5% | |
| MFS Investment Management MFS International Growth Class R6 | — | — | — | $76K | 0.5% | |
| American Funds American Funds New World Class R6 | — | — | — | $69K | 0.5% | |
| Fidelity International Index | — | — | — | $57K | 0.4% | |
| VOYA Small Cap Growth Class R6 | — | — | — | $55K | 0.4% | |
| American Century American Century Real Estate R6 Class | — | — | — | $46K | 0.3% | |
| BlackRock Inflation Protected Bond Class K | — | — | — | $28K | 0.2% | |
| American Funds American Funds 2065 Target Date Retirement Class R6 | — | — | — | $19K | 0.1% | |
| American Funds American Funds 2015 Target Date Retirement Class R6 | — | — | — | $19K | 0.1% | |
| JP Morgan JP Morgan US Equity Class R6 | — | — | — | $13K | <0.1% |
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