How big is Vystar Credit Union's plan?

Vystar Credit Union's plan reported $175.7M in assets and 2,312 participants for 2024.

Original filing (PDF)20251001085750NAL0005838387001

Vystar Credit Union

Name: Vystar Credit Union — Vystar Credit Union 401(k), Form 5500 (2024)
Creator: Vystar Credit Union
License: https://www.usa.gov/government-works

Form 5500

FILING_RECEIVED

Vystar Credit Union 401(k) Plan

401(k) retirement plan · Vystar Credit Union's Vystar Credit Union 401(k) Plan held $175.7M in plan assets for 2,312 participants in 2024, with Fidelity as recordkeeper.

Active participants

2,312

Accounts w/ balance

2,741

Plan assets (EOY)

$175.7M

Net assets (EOY)

$175.7M

People on this filing

Michelle Hagan signed Vystar Credit Union's 2024 Form 5500 as plan administrator.

Michelle Hagan — Plan Administrator — Form 5500 signer

Get verified email & phone for these signers

Signer names are public record from the Form 5500 e-signature.

Plan identifiers

Vystar Credit Union's EIN is 59-0690965.

EIN 59-0690965

Plan number 002

Plan year 2024

ACK ID 20251001085750NAL0005838387001

Official Form 5500 document

Download the official 2024 Form 5500 (PDF) for Vystar Credit Union from the U.S. Department of Labor's EFAST2 system.

Download the official 2024 Form 5500 (PDF)

Plan features

Vystar Credit Union's plan includes ERISA 404(c) participant direction, a 401(k) feature, automatic enrollment, a default investment (QDIA), profit-sharing.

Decision-maker contacts

One unlock reveals every key decision-maker — plan signer, CFO, HR & Benefits — with verified email + LinkedIn for VYSTAR CREDIT UNION.

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How this plan invests

This plan

32 securities

funds · stocks · CUSIPs

Holdings are itemized directly on this plan's Schedule of Assets, below.

Plan health score

Above-average plan

Directional indicator from public Form 5500 data — compliance & integrity, total plan cost, participant health and vendor stack, benchmarked against same-size peers. Not a fiduciary tool.

Compliance & integrity

100

Total plan cost

Plan health

Vendor & structure

100

Plan sponsor

Name

VYSTAR CREDIT UNION

EIN

all filings

Address

76 S LAURA ST. · JACKSONVILLE, FL · 32202

Phone

(904) 777-6000

Industry

Finance & Insurance

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

2025-10-01

Pension benefit codes

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)

3H · Sponsor in controlled / affiliated group

2E · Profit-sharing

Service providers (Schedule C)

4 rows

Recordkeeper

Name	EIN	Location	Relation	Direct comp	Indirect comp
FIDELITY INVESTMENTS INSTITUTIONAL	04-2647786	—	RECORDKEEPER	-$37K	—

Advisor / Consultant

Name	EIN	Location	Relation	Direct comp	Indirect comp
NFP RETIREMENT	33-0905143	—	INVESTMENT ADVISOR	$91K	—
STRATEGIC ADVISORS, INC.

Investments

32 direct securities· $172.5M(98% of reported assets)

Mutual Funds

$119.1M

23 holdings

Other securities

$26.2M

6 holdings

Common Collective Trusts

$21.6M

2 holdings

Bonds / Notes

$5.6M

1 holding

					% of plan
Fidelity Investments 500 Index Fund	Common Collective Trusts	—	—	$18.8M	10.7%
JPMorgan Large Cap Growth Fund Class R6	Other securities	—	—	$16.5M	9.4%
Fidelity Investments Freedom 2045 Fund K	Mutual Funds	—	—	$15.6M	8.9%
Fidelity Investments Freedom 2030 Fund K	Mutual Funds	—	—	$14.1M	8.0%
Fidelity Investments Freedom 2035 Fund K	Mutual Funds	—	—	$13.7M	7.8%
Fidelity Investments Freedom 2040 Fund K	Mutual Funds	—	—	$12.8M	7.3%
Fidelity Investments Freedom 2050 Fund K	Mutual Funds	—	—	$12.6M	7.2%
Fidelity Investments Freedom 2025 Fund K	Mutual Funds	—	—	$10.3M	5.8%
Fidelity Investments Freedom 2055 Fund K	Mutual Funds	—	—	$7.9M	4.5%
Participant Loans Rates from 4.25% to 11.50% -	Bonds / Notes	—	—	$5.6M	3.2%
Putnam Large Cap Value Fund A	Mutual Funds	—	—	$5.5M	3.1%
Fidelity Investments Government Money Market Fund	Mutual Funds	—	—	$5.4M	3.1%
JPMorgan Mid Cap Growth Fund Class R6	Other securities	—	—	$4.5M	2.6%
Vanguard Total Bond Market Index Admiral	Mutual Funds	—	—	$4.3M	2.4%
Fidelity Investments Freedom 2060 Fund K	Mutual Funds	—	—	$3.9M	2.2%
Fidelity Investments Small Cap Index Fund	Common Collective Trusts	—	—	$2.7M	1.6%
Vanguard Mid-Cap Index Admiral	Mutual Funds	—	—	$2.7M	1.5%
Goldman Sachs Small/Mid Cap Growth Fund A	Other securities	—	—	$2.2M	1.3%
Victory Capital RS Global Fund Class R6	Other securities	—	—	$2.2M	1.2%
Vanguard Developed Markets Index Admiral	Mutual Funds	—	—	$2.2M	1.2%
Fidelity Investments Freedom 2020 Fund K	Mutual Funds	—	—	$2.0M	1.1%
Fidelity Investments Freedom 2065 Fund K	Mutual Funds	—	—	$1.6M	0.9%
American Funds Bond Fund of America R5	Mutual Funds	—	—	$1.2M	0.7%
Fidelity Investments Freedom 2015 Fund K	Mutual Funds	—	—	$1.1M	0.6%
Vanguard Windsor II Fund Admiral	Mutual Funds	—	—	$777K	0.4%
Nuveen Mid Cap Value Fund I	Mutual Funds	—	—	$691K	0.4%
AllianceBernstein Small Cap Growth K	Other securities	—	—	$438K	0.2%
Franklin Templeton Investments Small Cap Value Fund A	Mutual Funds	—	—	$432K	0.2%
Virtus SGA International Growth Fund I	Other securities	—	—	$376K	0.2%
Fidelity Investments Freedom Income Fund K	Mutual Funds	—	—	$163K	<0.1%
Fidelity Investments Freedom 2010 Fund K	Mutual Funds	—	—	$83K	<0.1%
Fidelity Investments Freedom 2070 Fund K	Mutual Funds	—	—	$7K	<0.1%