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Original filing (PDF)20250905143940NAL0029189088001
PUBLIX EMPLOYEES FEDERAL CREDIT UNION
Form 5500
FILING_RECEIVED
PUBLIX EMPLOYEES FEDERAL CREDIT UNION 401(K) PROFIT SHARING PLAN AND TRUST
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
259
Accounts w/ balance
328
Plan assets (EOY)
$18.1M
Net assets (EOY)
$18.1M
How this plan invests
This plan
23 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
89
/ 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
80
Participation health
100
Knocking points off
- 55 bps in Schedule C fees — 89% above peer band of 29 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for PUBLIX EMPLOYEES FEDERAL CREDIT UNION.
Plan sponsor
Name
PUBLIX EMPLOYEES FEDERAL CREDIT UNION
EIN
59-0815534
Address
PO BOX 1000 · LAKELAND, FL · 338021000
Phone
(863) 284-2523
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
2025-09-05
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)
2 rowsOther
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CMFG LIFE INSURANCE COMPANY | 39-0230590 | — | NONE | $84K | — |
| MEMBERS CAPITAL ADVISORS, INC. | 42-0388260 | — | NONE | $15K | — |
Investments
23 direct securities· $18.1M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| CMFG Stable Value, at contract value | — | — | — | $2.5M | 13.6% | |
| Black Rock LifePath Index 2040 K | — | — | — | $2.0M | 10.8% | |
| Black Rock LifePath Index 2030 K | — | — | — | $1.8M | 9.8% | |
| Black Rock LifePath Index 2050 K | — | — | — | $1.6M | 8.7% | |
| Fidelity 500 Index | — | — | — | $1.4M | 7.8% | |
| Fidelity Large Cap Grow Index IDX | — | — | — | $1.2M | 6.8% | |
| Black Rock LifePath Index 2035 K | — | — | — | $1.1M | 6.1% | |
| Black Rock LifePath Index Retire K | — | — | — | $1.1M | 5.9% | |
| J.P. Morgan Equity Income R6 | — | — | — | $707K | 3.9% | |
| Fidelity Mid Cap Index | — | — | — | $637K | 3.5% | |
| Black Rock LifePath Index 2060 K | — | — | — | $612K | 3.4% | |
| DFA International Core Equity Portfolio | — | — | — | $532K | 2.9% | |
| Notes Receivable from Participants to 9.50% with various maturities | — | — | — | $515K | 2.9% | |
| Black Rock LifePath Index 2055 K | — | — | — | $507K | 2.8% | |
| Dodge & Cox Income I | — | — | — | $494K | 2.7% | |
| Fidelity Small Cap Index IP | — | — | — | $392K | 2.2% | |
| Black Rock LifePath Index 2045 K | — | — | — | $253K | 1.4% | |
| Fidelity Global ex US Index IDX | — | — | — | $242K | 1.3% | |
| Fidelity US Bond Index | — | — | — | $242K | 1.3% | |
| PIMCO Real Return Inst | — | — | — | $175K | 1.0% | |
| DFA US Small Cap I | — | — | — | $133K | 0.7% | |
| Vanguard Real Estate Index Admiral | — | — | — | $67K | 0.4% | |
| Black Rock LifePath Index 2065 K | — | — | — | $16K | <0.1% |