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Original filing (PDF)20251007112548NAL0008032624001
FIRST COMMERCE CREDIT UNION
Form 5500
FILING_RECEIVED
FIRST COMMERCE CREDIT UNION PROFIT SHARING 401(K)
401(k) retirement plan
Signals · 2
44% in single holdingNo recordkeeper disclosed
Active participants
147
Accounts w/ balance
181
Plan assets (EOY)
$17.5M
Net assets (EOY)
$17.5M
How this plan invests
This plan
1 pooled trust
Schedule D
41 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
94
/ 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
78
Total plan cost
100
Vendor stack
80
Participation health
100
Knocking points off
- Top holding "Total (held at end of year)" is 44% of plan.
- No recordkeeper disclosed on Schedule C.
Helping the score
- Below-peer total fees (7 bps vs 29 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for FIRST COMMERCE CREDIT UNION.
Plan sponsor
Name
FIRST COMMERCE CREDIT UNION
EIN
59-0687423
Address
2073 SUMMIT LAKE DRIVE · TALLAHASSEE, FL · 32317
Phone
(850) 410-3587
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
2025-10-07
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
Audit & trust (Schedule H)
Auditor
DOEREN MAYHEW ASSURANCE
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsOther
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| VOYA RETIREMENT ADVISORS, LLC | 02-0488491 | — | SERVICE PROVIDER | $10K | — |
| VOYA RETIREMENT INSURANCE & ANNUITY | 71-0294708 | — | SERVICE PROVIDER | $3K | — |
Investments
36 direct securities · 1 pooled fund· $50.8M(100% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Their holdings are itemized on each fund’s own Form 5500.
Uncategorized
$36.1M
36 holdings
Pooled Separate Account
$14.7M
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Total (held at end of year) | — | — | — | $17.5M | 100.0% | |
| VARIABLE ANNUITY ACCOUNT D VOYA RETIREMENT INSURANCE & ANNUITY CO · EIN 71-0294708 / PN 000 | Pooled Separate Account | — | — | $14.7M | 83.8% | |
| Fidelity 500 Index Fund Registered Investment Company | — | — | — | $1.8M | 10.4% | |
| American Funds American Funds Growth Fnd R6 | — | — | — | $1.6M | 9.3% | |
| Charles Schwab Charles Schwab SDBA | — | — | — | $1.5M | 8.6% | |
| Investments at contract value | — | — | — | $1.1M | 6.4% | |
| Voya Fixed Account (interest rate 1.85%) | — | — | — | $1.1M | 6.4% | |
| JP Morgan JPMorgan LgCp Grw Fnd R6 | — | — | — | $988K | 5.6% | |
| Voya Target Retire 2045 Fnd R6 Registered Investment Company | — | — | — | $952K | 5.4% | |
| American Funds American Funds Am Balanced R6 | — | — | — | $931K | 5.3% | |
| American Funds American Funds Wash Mutual R6 | — | — | — | $898K | 5.1% | |
| PGIM High Yield Fund R6 | — | — | — | $892K | 5.1% | |
| American Funds American Funds Nw Prspctv R6 | — | — | — | $865K | 4.9% | |
| Voya Target Retire 2035 Fnd R6 | — | — | — | $846K | 4.8% | |
| Fidelity Intl Index Fnd | — | — | — | $563K | 3.2% | |
| Voya Target Retire 2055 Fnd R6 | — | — | — | $495K | 2.8% | |
| Voya Target Retire 2030 Fnd R6 | — | — | — | $450K | 2.6% | |
| Dodge & Cox Dodge & Cox Income Fund X | — | — | — | $366K | 2.1% | |
| Vanguard Vangrd Explorer Fund Adm | — | — | — | $334K | 1.9% | |
| JP Morgan JPMorgan US Equity Fund R6 | — | — | — | $303K | 1.7% | |
| Voya Target Retire 2050 Fnd R6 Registered Investment Company | — | — | — | $295K | 1.7% | |
| Fidelity Mid Cap Idx Fd | — | — | — | $270K | 1.5% | |
| Vanguard Vangrd Mid-Cap Vl Indx Fnd Adm | — | — | — | $248K | 1.4% | |
| JP Morgan VY JPM SmCp Cr Eq Port R6 | — | — | — | $221K | 1.3% | |
| Dimensional Fund Advisors DFA Infl-Prot Sec Port Ins | — | — | — | $221K | 1.3% | |
| BNY Mellon BNY Mellon Dynamic Val Fd Y | — | — | — | $216K | 1.2% | |
| Loans to participants, interest rates ranging from * Notes Receivable from Participants 3.25% to 9.50% with various maturities | — | — | — | $200K | 1.1% | |
| Voya Target Retire 2040 Fnd R6 | — | — | — | $175K | 1.0% | |
| Voya Target Retire 2060 Fnd R6 | — | — | — | $139K | 0.8% | |
| Cohen & Steers Cohen&Steers Inst Rl Shares | — | — | — | $129K | 0.7% | |
| Janus Henderson Janus Hndr Enterprise Fund N | — | — | — | $127K | 0.7% | |
| JP Morgan Undiscoverd Mngrs Bhv Vl F R6 | — | — | — | $112K | 0.6% | |
| Voya Tgt In-Retirement Fund R6 | — | — | — | $87K | 0.5% | |
| Voya Target Retire 2025 Fnd R6 | — | — | — | $47K | 0.3% | |
| DFA Intl Small Comp Port Ins Registered Investment Company | — | — | — | $31K | 0.2% | |
| Voya Target Retire 2065 Fnd R6 | — | — | — | $15K | <0.1% | |
| Voya Gv Mny Mkt F A (Hld Acct) | — | — | — | $1K | <0.1% |
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