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Original filing (PDF)20250929124502NAL0011295745001
SPECTRA CREDIT UNION
Form 5500
FILING_RECEIVED
SPECTRA CREDIT UNION 401(K) SAVINGS PLAN
401(k) retirement plan
Active participants
79
Accounts w/ balance
135
Plan assets (EOY)
$15.8M
Net assets (EOY)
$15.8M
How this plan invests
This plan
28 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
91
/ 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
65
Vendor stack
100
Participation health
100
Knocking points off
- 54 bps in Schedule C fees — 88% above peer band of 29 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for SPECTRA CREDIT UNION.
Plan sponsor
Name
SPECTRA CREDIT UNION
EIN
53-0208722
Address
5440 CHEROKEE AVENUE · SUITE 200 · ALEXANDRIA, VA · 223122312
Phone
(301) 839-8400
Industry
Finance & Insurancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
003
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-09-29
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2S · Automatic enrollment
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
2K · 401(m) arrangement
2A · Age/service weighted or new comparability
Audit & trust (Schedule H)
Auditor
DOEREN MAYHEW ASSURANCE
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE COMPANY | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $53K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| GLOBAL RETIREMENT PARTNERS LLC | — | SAN RAFAEL, CA | INVESTMENT ADVISOR | $34K | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| NEWPORT GROUP INC. | — | LAKE MARY, FL | CONTRACT ADMIN | $0 | — |
Investments
28 direct securities· $15.8M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| American Funds American Funds 2035 Trgt Date Retire R6 # | — | — | — | $2.8M | 17.4% | |
| American Funds American Funds 2040 Trgt Date Retire R6 # | — | — | — | $2.6M | 16.4% | |
| American Funds American Funds 2025 Trgt Date Retire R6 # | — | — | — | $1.5M | 9.6% | |
| MassMutual General Account # | — | — | — | $1.4M | 8.8% | |
| American Funds American Funds 2050 Trgt Date Retire R6 # | — | — | — | $1.3M | 8.4% | |
| American Funds American Funds 2045 Trgt Date Retire R6 # | — | — | — | $990K | 6.3% | |
| American Funds American Funds 2030 Trgt Date Retire R6 # | — | — | — | $881K | 5.6% | |
| Fidelity Strategic Income Fund # | — | — | — | $556K | 3.5% | |
| Fidelity Advisor Total Bond Z # | — | — | — | $488K | 3.1% | |
| American Funds American Funds 2055 Trgt Date Retire R6 # | — | — | — | $439K | 2.8% | |
| American Funds American Funds 2010 Trgt Date Retire R6 # | — | — | — | $421K | 2.7% | |
| American Funds American Funds 2060 Trgt Date Retire R6 # | — | — | — | $356K | 2.2% | |
| Fidelity 500 Index # | — | — | — | $352K | 2.2% | |
| American Funds American Funds 2015 Trgt Date Retire R6 # | — | — | — | $296K | 1.9% | |
| various maturity dates $- | — | — | — | $256K | 1.6% | |
| American Funds American Funds 2065 Trgt Date Retire R6 # | — | — | — | $196K | 1.2% | |
| American Funds American Funds EuroPacific Gr R6 # | — | — | — | $139K | 0.9% | |
| American Century American Century Growth R6 # | — | — | — | $136K | 0.9% | |
| MFS International Intrinsic Value R6 # | — | — | — | $125K | 0.8% | |
| BlackRock Equity Dividend K # | — | — | — | $117K | 0.7% | |
| Fidelity Mid Cap Index # | — | — | — | $102K | 0.6% | |
| Fidelity Small Cap Index # | — | — | — | $88K | 0.6% | |
| MassMutual Mid Cap Growth I # | — | — | — | $82K | 0.5% | |
| JPMorgan Mid Cap Value L # | — | — | — | $59K | 0.4% | |
| Fidelity Emerging Markets Index # | — | — | — | $43K | 0.3% | |
| American Funds American Funds 2020 Trgt Date Retire R6 # | — | — | — | $34K | 0.2% | |
| Franklin Small Cap Value R6 # | — | — | — | $24K | 0.2% | |
| Cohen & Steers Cohen & Steers Real Estate Securities Z # | — | — | — | $16K | 0.1% |