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Original filing (PDF)20250731145430NAL0003167107001
FOUNDERS FEDERAL CREDIT UNION
Form 5500
FILING_RECEIVED
FOUNDERS FEDERAL CREDIT UNION DEFINED CONTRIBUTION PLAN
401(k) retirement plan
Active participants
846
Accounts w/ balance
945
Plan assets (EOY)
$138.2M
Net assets (EOY)
$138.2M
How this plan invests
This plan
1 pooled trust
Schedule D
47 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
100
/ 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
100
Participation health
100
Helping the score
- Below-peer total fees (6 bps vs 10 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for FOUNDERS FEDERAL CREDIT UNION.
Plan sponsor
Name
FOUNDERS FEDERAL CREDIT UNION
EIN
57-0762987
Address
737 PLANTATION ROAD · LANCASTER, SC · 297202137
Phone
(803) 289-5756
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
2025-07-31
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)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
DOEREN MAYHEW ASSURANCE
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
1 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| FID INV INST. OPS CO | 04-2647786 | — | RECORDKEEPER | $82K | — |
Investments
46 direct securities · 1 pooled fund· $134.8M(98% 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
$134.3M
46 holdings
Common Collective Trust
$482K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Fidelity Freedom 2040 Fund Class K6 # | — | — | — | $14.0M | 10.1% | |
| Fidelity 500 Index Fund # | — | — | — | $13.1M | 9.5% | |
| Fidelity Freedom 2050 Fund Class K6 # | — | — | — | $13.0M | 9.4% | |
| Fidelity Government Money Market Fund K6 # | — | — | — | $12.8M | 9.3% | |
| Fidelity Blue Chip Growth K6 # | — | — | — | $11.1M | 8.1% | |
| Fidelity Freedom 2030 Fund Class K6 # | — | — | — | $10.2M | 7.3% | |
| Janus Henderson Enterprise N Fund # | — | — | — | $7.9M | 5.7% | |
| Fidelity Freedom 2060 Fund Class K6 # | — | — | — | $5.7M | 4.1% | |
| Invesco Small Cap Value R6 # | — | — | — | $4.7M | 3.4% | |
| Fidelity Freedom 2020 Fund Class K6 # | — | — | — | $4.5M | 3.2% | |
| Fidelity Global Ex US Index # | — | — | — | $4.1M | 3.0% | |
| Allspring Special Mid Cap Value R6 # | — | — | — | $4.0M | 2.9% | |
| JP Morgan US Equity R6 # | — | — | — | $3.3M | 2.4% | |
| Fidelity Freedom Blend Inc K6 # | — | — | — | $3.1M | 2.2% | |
| Participant Loans Notes receivable, rates range from 4.25% to 9.50% with various maturities $- | — | — | — | $2.8M | 2.0% | |
| Fidelity Equity-Income K6 # | — | — | — | $2.4M | 1.8% | |
| Fidelity Small Cap Index # | — | — | — | $2.3M | 1.7% | |
| Fidelity Total Bond K6 # | — | — | — | $2.1M | 1.5% | |
| Baird Short-term Bond Institutional # | — | — | — | $1.8M | 1.3% | |
| American Funds Target Date 2030 Retire R6 # | — | — | — | $1.4M | 1.0% | |
| Fidelity Small Cap Growth K6 # | — | — | — | $1.2M | 0.9% | |
| PGIM High Yield R6 # | — | — | — | $1.1M | 0.8% | |
| Cohen & Steers Real Estate Securities Z # | — | — | — | $1.1M | 0.8% | |
| Principal Life Insurance Company Guaranteed Interest Accounts # | — | — | — | $998K | 0.7% | |
| American Funds Target Date 2035 RetireRr6 # | — | — | — | $844K | 0.6% | |
| Fidelity U.S.Bbond Index Fund # | — | — | — | $813K | 0.6% | |
| American Funds Target Date 2025 Retire R6 # | — | — | — | $661K | 0.5% | |
| Fidelity Inflation-protected oBnd Index Fund # | — | — | — | $587K | 0.4% | |
| PIMCO RAE US SmallIinstitutional # | — | — | — | $573K | 0.4% | |
| Fidelity Mid Cap Index Fund # | — | — | — | $495K | 0.4% | |
| MANAGED INCOME PORTFOLIO II FIDELITY MANAGEMENT TRUST COMPANY · EIN 04-3022712 / PN 025 | Common Collective Trust | — | — | $482K | 0.3% | |
| Fidelity Freedom 2045 Fund Class K6 # | — | — | — | $444K | 0.3% | |
| Fidelity International Capital Appreciation K6 # | — | — | — | $377K | 0.3% | |
| John Hancock Disciplined Value Intl R6 # | — | — | — | $305K | 0.2% | |
| Principal Life Insurance Company Prin Real Estate Secs SA R6 # | — | — | — | $264K | 0.2% | |
| Fidelity Freedom 2065 Fund Class K6 # | — | — | — | $165K | 0.1% | |
| American Funds Retirement Income Portfolio - Moderate # | — | — | — | $110K | <0.1% | |
| Fidelity Freedom 2035 Fund Class K6 # | — | — | — | $36K | <0.1% | |
| Fidelity Freedom 2055 Fund Class K6 # | — | — | — | $17K | <0.1% | |
| Fidelity Freedom 2025 Fund Class K6 # | — | — | — | $6K | <0.1% | |
| American Funds Target Date 2065 Retire R6 # | — | — | — | $6K | <0.1% | |
| American Funds Target Date 2060 Retire R6 # | — | — | — | $5K | <0.1% | |
| American Funds Target Date 2015 Retire R6 # | — | — | — | $4K | <0.1% | |
| American Funds Target Date 2020 Retire R6 # | — | — | — | $4K | <0.1% | |
| American Funds Target Date 2040 Retire R6 # | — | — | — | $3K | <0.1% | |
| American Funds Target Date 2055 Retire R6 # | — | — | — | $2K | <0.1% | |
| Fidelity Freedom 2070 Fund Class K6 # | — | — | — | $2K | <0.1% |