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Original filing (PDF)20250730132517NAL0006741040001
NAVY FEDERAL CREDIT UNION
Form 5500
FILING_RECEIVED
NAVY FEDERAL 401(K) SAVINGS PLAN
401(k) retirement plan
Signals · 1
1 failed disclosure
Active participants
24,775
Accounts w/ balance
28,098
Plan assets (EOY)
$3.2B
Net assets (EOY)
$3.2B
How this plan invests
This plan
17 pooled trusts
Schedule D
34 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
96
/ 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
85
Concentration risk
100
Total plan cost
100
Vendor stack
100
Participation health
100
Knocking points off
- 1 Schedule C provider failed to disclose compensation.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for NAVY FEDERAL CREDIT UNION.
Plan sponsor
Name
NAVY FEDERAL CREDIT UNION
EIN
53-0116705
Address
PO BOX 3000 · MERRIFIELD, VA · 22119
Phone
(703) 206-4772
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
2025-07-30
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)
3F · Sponsor used leased employees
3H · Sponsor in controlled / affiliated group
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
PRICEWATERHOUSECOOPERS
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
4 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| FIDELITY INVESTMENTS INSTITUTIONAL | 04-2647786 | — | RECORDKEEPER | $1000K | — |
Other
3| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PRICEWATERHOUSECOOPERS | 13-4008324 | — | NONE | $60K | — |
| AON HEWITT INVESTMENT CONSULTING | 36-3109431 | — | NONE | $42K | — |
| WILLIS TOWERS WATSON US LLC | 53-0181291 | — | NONE | $42K | — |
Failed / refused disclosures (Sched C Part 2)
| Provider | Nondisclosure info |
|---|---|
| — | — |
Investments
34 direct securities · 17 pooled funds· $5.5B(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
$3.1B
34 holdings
Common Collective Trust
$2.4B
17 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Fidelity Contrafund Pool* Common collective trust # | — | — | — | $329.3M | 10.3% | |
| FID CONTRA POOL CL D FIDELITY MANAGEMENT TRUST COMPANY · EIN 04-3022712 / PN 133 | Common Collective Trust | — | — | $329.3M | 10.3% | |
| Fidelity 500 Index* Mutual fund # | — | — | — | $315.0M | 9.8% | |
| Fidelity Freedom Blend 2050 Commingled Pool Class T* Common collective trust # | — | — | — | $313.8M | 9.8% | |
| FID FRDM BLND 2050 T FIDELITY INSTITUTIONAL ASSET MANAGEMENT · EIN 20-4659714 / PN 095 | Common Collective Trust | — | — | $313.8M | 9.8% | |
| Fidelity Freedom Blend 2045 Commingled Pool Class T* Common collective trust # | — | — | — | $303.4M | 9.5% | |
| FID FRDM BLND 2045 T FIDELITY INSTITUTIONAL ASSET MANAGEMENT · EIN 20-4659714 / PN 094 | Common Collective Trust | — | — | $303.4M | 9.5% | |
| Fidelity Freedom Blend 2040 Commingled Pool Class T* Common collective trust # | — | — | — | $296.7M | 9.3% | |
| FID FRDM BLND 2040 T FIDELITY INSTITUTIONAL ASSET MANAGEMENT · EIN 20-4659714 / PN 093 | Common Collective Trust | — | — | $296.7M | 9.3% | |
| Fidelity Freedom Blend 2030 Commingled Pool Class T* Common collective trust # | — | — | — | $260.4M | 8.1% | |
| FID FRDM BLND 2030 T FIDELITY INSTITUTIONAL ASSET MANAGEMENT · EIN 20-4659714 / PN 091 | Common Collective Trust | — | — | $260.4M | 8.1% | |
| Fidelity Freedom Blend 2035 Commingled Pool Class T* Common collective trust # | — | — | — | $235.2M | 7.3% | |
| FID FRDM BLND 2035 T FIDELITY INSTITUTIONAL ASSET MANAGEMENT · EIN 20-4659714 / PN 092 | Common Collective Trust | — | — | $235.2M | 7.3% | |
| Fidelity Freedom Blend 2055 Commingled Pool Class T* Common collective trust # | — | — | — | $229.1M | 7.1% | |
| FID FRDM BLND 2055 T FIDELITY INSTITUTIONAL ASSET MANAGEMENT · EIN 20-4659714 / PN 113 | Common Collective Trust | — | — | $229.1M | 7.1% | |
| Fidelity Freedom Blend 2025 Commingled Pool Class T* Common collective trust # | — | — | — | $121.3M | 3.8% | |
| FID FRDM BLND 2025 T FIDELITY INSTITUTIONAL ASSET MANAGEMENT · EIN 20-4659714 / PN 090 | Common Collective Trust | — | — | $121.3M | 3.8% | |
| Fidelity Freedom Blend 2060 Commingled Pool Class T* Common collective trust # | — | — | — | $100.3M | 3.1% | |
| FID FRDM BLND 2060 T FIDELITY INSTITUTIONAL ASSET MANAGEMENT · EIN 20-4659714 / PN 147 | Common Collective Trust | — | — | $100.3M | 3.1% | |
| Vanguard Federal Money Market Fund Investor Shares Money market fund # | — | — | — | $96.6M | 3.0% | |
| Vanguard Dividend Growth Fund Investor Shares Mutual fund # | — | — | — | $71.3M | 2.2% | |
| Fidelity Freedom Blend 2020 Commingled Pool Class T* Common collective trust # | — | — | — | $68.4M | 2.1% | |
| FID FRDM BLND 2020 T FIDELITY INSTITUTIONAL ASSET MANAGEMENT · EIN 20-4659714 / PN 089 | Common Collective Trust | — | — | $68.4M | 2.1% | |
| DFA US Small Cap Portfolio Mutual fund # | — | — | — | $58.0M | 1.8% | |
| American Funds New Perspective Fund Class R6 Mutual fund # | — | — | — | $52.8M | 1.6% | |
| Fidelity Extended Market Index* Mutual fund # | — | — | — | $50.3M | 1.6% | |
| Harding Loevner International Equity A Common collective trust # | — | — | — | $31.7M | 1.0% | |
| HRDG LVNR INTL EQ A GLOBAL TRUST COMPANY · EIN 27-6075499 / PN 003 | Common Collective Trust | — | — | $31.7M | 1.0% | |
| PIMCO Total Return Institutional Class Mutual fund # | — | — | — | $29.5M | 0.9% | |
| Fidelity Freedom Blend 2065 Commingled Pool Class T* Common collective trust # | — | — | — | $28.7M | 0.9% | |
| FID FRDM BLND 2065 T FIDELITY INSTITUTIONAL ASSET MANAGEMENT · EIN 20-4659714 / PN 168 | Common Collective Trust | — | — | $28.7M | 0.9% | |
| Vanguard Total Bond Market Institutional Class Mutual fund # | — | — | — | $28.2M | 0.9% | |
| LSV Value Equity Fund Mutual fund # | — | — | — | $27.4M | 0.9% | |
| Fidelity Global ex US Index* Mutual fund # | — | — | — | $17.7M | 0.6% | |
| Fidelity Freedom Blend 2015 Commingled Pool Class T* Common collective trust # | — | — | — | $13.9M | 0.4% | |
| FID FRDM BLND 2015 T FIDELITY INSTITUTIONAL ASSET MANAGEMENT · EIN 20-4659714 / PN 088 | Common Collective Trust | — | — | $13.9M | 0.4% | |
| Fidelity Freedom Blend Income Commingled Pool Class T* Common collective trust # | — | — | — | $13.8M | 0.4% | |
| FID FRDM BLEND INC T FIDELITY INSTITUTIONAL ASSET MANAGEMENT · EIN 20-4659714 / PN 085 | Common Collective Trust | — | — | $13.8M | 0.4% | |
| Fidelity Freedom Blend 2010 Commingled Pool Class T* Common collective trust # | — | — | — | $12.5M | 0.4% | |
| FID FRDM BLND 2010 T FIDELITY INSTITUTIONAL ASSET MANAGEMENT · EIN 20-4659714 / PN 087 | Common Collective Trust | — | — | $12.5M | 0.4% | |
| Meridian Growth Fund Institutional Class Mutual fund # | — | — | — | $10.5M | 0.3% | |
| Fidelity Managed Retirement 2025 Fund - Class K6* Mutual fund # | — | — | — | $2.2M | <0.1% | |
| Fidelity Managed Retirement 2030 Fund - Class K6* Mutual fund # | — | — | — | $1.7M | <0.1% | |
| GMO Benchmark-Free Allocation Series Fund Class R6 Mutual fund # | — | — | — | $1.3M | <0.1% | |
| Fidelity Managed Retirement 2020 Fund - Class K6* Mutual fund # | — | — | — | $541K | <0.1% | |
| Fidelity Managed Retirement Income Fund - Class K6* Mutual fund # | — | — | — | $305K | <0.1% | |
| Fidelity Freedom Blend 2070 Commingled Pool Class T* Common collective trust # | — | — | — | $30K | <0.1% | |
| FID FRDM BLND 2070 T FIDELITY INSTITUTIONAL ASSET MANAGEMENT · EIN 20-4659714 / PN 218 | Common Collective Trust | — | — | $30K | <0.1% | |
| Fidelity Managed Retirement 2015 Fund - Class K6* Mutual fund # | — | — | — | $11K | <0.1% | |
| Fidelity Managed Retirement 2010 Fund - Class K6* Mutual fund # | — | — | — | $8K | <0.1% | |
| FID FRDM BLND 2005 T FIAM TRUST COMPANY · EIN 20-4659714 / PN 086 | Common Collective Trust | — | — | $0 | <0.1% |