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Original filing (PDF)20251013120610NAL0000579683001
PENTAGON FEDERAL CREDIT UNION
Form 5500
FILING_RECEIVED
THE RETIREMENT PLAN FOR EMPLOYEES OF PENTAGON FEDERAL CREDIT UNION
Defined-benefit pension plan
Signals · 2
32% in single holdingNo recordkeeper disclosed
Active participants
177
Accounts w/ balance
—
Plan assets (EOY)
$82.1M
Net assets (EOY)
$82.1M
How this plan invests
This plan
8 pooled trusts
Schedule D
9 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
86
/ 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
84
Total plan cost
65
Vendor stack
80
Participation health
100
Knocking points off
- Top holding "Wellington Trust Company NA WellingtonCIF II Core BD Plus" is 32% of plan.
- 45 bps in Schedule C fees — 179% above peer band of 16 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for PENTAGON FEDERAL CREDIT UNION.
Plan sponsor
Name
PENTAGON FEDERAL CREDIT UNION
DBA
PENFED
EIN
53-0197038
Address
7940 JONES BRANCH DRIVE · MCLEAN, VA · 22102
Phone
(703) 838-1309
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
1A · Pay-related DB formula
Audit & trust (Schedule H)
Auditor
CROWE LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsTrustee
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| WILMINGTON TRUST COMPANY | 81-2721934 | — | TRUSTEE | $29K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CBIZ | 31-1582098 | — | NONE | $338K | — |
Investments
3 direct securities · 8 pooled funds· $113.2M(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.
Common Collective Trust
$82.0M
8 holdings
Uncategorized
$31.2M
3 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Wellington Trust Company NA WellingtonCIF II Core BD Plus | — | — | $31.9M | $26.3M | 32.0% | |
| WTC-CIF II US INVESTMENT GRADE CORP WELLINGTON TRUST COMPANY, NA · EIN 04-6913417 / PN 120 | Common Collective Trust | — | — | $26.3M | 32.0% | |
| WTC-CIF II US LONG STRIPS PORTFOLIO WELLINGTON TRUST COMPANY, NA · EIN 04-6913417 / PN 182 | Common Collective Trust | — | $38.1M | $25.7M | 31.3% | |
| WTC-CIF GLOBAL RESEARCH EQUITY WELLINGTON TRUST COMPANY, NA · EIN 04-2767481 / PN 028 | Common Collective Trust | — | $7.7M | $11.3M | 13.8% | |
| Wellington Trust Company NA WellingtonCTF Opp Fixed | — | — | $5.3M | $4.9M | 5.9% | |
| WTC-CIF II OPPORTUNISTIC FIXED INCO WELLINGTON TRUST COMPANY, NA · EIN 04-6913417 / PN 236 | Common Collective Trust | — | — | $4.9M | 5.9% | |
| WTC-CIF II DOWNSIDE ALPHA OPPORTUNI WELLINGTON TRUST COMPANY, NA · EIN 04-6913417 / PN 164 | Common Collective Trust | — | $3.5M | $4.1M | 5.1% | |
| WTC-CTF ULTRA SHORT DURATION WELLINGTON TRUST COMPANY, NA · EIN 45-3928836 / PN 001 | Common Collective Trust | — | $3.9M | $3.9M | 4.7% | |
| WTC CIF II US INTERMEDIATE TREASURY WELLINGTON TRUST COMPANY, NA · EIN 04-6913417 / PN 172 | Common Collective Trust | — | $3.5M | $3.4M | 4.2% | |
| WTC-CIF ENDURING ASSETS WELLINGTON TRUST COMPANY, NA · EIN 04-2767481 / PN 130 | Common Collective Trust | — | $2.1M | $2.4M | 2.9% | |
| Wilmington Trust US Government Money Market CL SLCT | — | — | $16K | $16K | <0.1% |