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Original filing (PDF)20250825150146NAL0007758961001
GULF WINDS CREDIT UNION
Form 5500
FILING_RECEIVED
GULF WINDS CREDIT UNION 401K PLAN AND TRUST
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
221
Accounts w/ balance
283
Plan assets (EOY)
$14.1M
Net assets (EOY)
$14.1M
How this plan invests
This plan
14 pooled trusts
Schedule D
28 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
- 48 bps in Schedule C fees — 66% 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 GULF WINDS CREDIT UNION.
Plan sponsor
Name
GULF WINDS CREDIT UNION
EIN
59-6143861
Address
220 E. NINE MILE ROAD · PENSACOLA, FL · 325343145
Phone
(850) 479-9601
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
2025-08-25
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
WARREN AVERETT, LLC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsOther
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| REEDMARK ADVISORS, LLC | 47-2223502 | — | NONE | $46K | — |
| BENEFIT PLANS ADMIN SERVICES | 16-1503696 | — | NONE | $22K | — |
Investments
19 direct securities · 14 pooled funds· $14.1M(100% 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
$7.4M
19 holdings
Common Collective Trust
$6.6M
14 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| VANGUARD GROWTH INDEX ADMIRAL Mutual fund | — | — | — | $2.1M | 15.2% | |
| FLEXPATH INDEX MOD 2045 GREAT GRAY COLLECTIVE INVESTMENT TRUST · EIN 47-2516187 / PN 220 | Common Collective Trust | — | — | $2.0M | 14.1% | |
| FLEXPATH INDEX MOD 2055 GREAT GRAY COLLECTIVE INVESTMENT TRUST · EIN 47-2563528 / PN 223 | Common Collective Trust | — | — | $1.8M | 13.1% | |
| T. ROWE PRICE CAP APPRECIATION Mutual fund | — | — | — | $1.2M | 8.5% | |
| FLEXPATH INDEX MOD 2035 GREAT GRAY COLLECTIVE INVESTMENT TRUST · EIN 47-2478524 / PN 217 | Common Collective Trust | — | — | $1.1M | 7.5% | |
| VANGUARD VALUE INDEX ADMIRAL Mutual fund | — | — | — | $733K | 5.2% | |
| FLEXPATH INDEX MOD RTMT GREAT GRAY COLLECTIVE INVESTMENT TRUST · EIN 47-2248665 / PN 211 | Common Collective Trust | — | — | $670K | 4.8% | |
| FLEXPATH INDEX AGGR 2045 GREAT GRAY COLLECTIVE INVESTMENT TRUST · EIN 47-2503540 / PN 219 | Common Collective Trust | — | — | $647K | 4.6% | |
| VANGUARD INT'L GROWTH ADMIRAL Mutual fund | — | — | — | $500K | 3.5% | |
| VANGUARD TTL STK MKT INDEX ADM Mutual fund | — | — | — | $410K | 2.9% | |
| METLIFE STABLE VALUE RELIANCE TRUST · EIN 46-6625485 / PN 002 | Common Collective Trust | — | — | $356K | 2.5% | |
| VANGUARD MID-CAP VAL INDEX ADM Mutual fund | — | — | — | $346K | 2.5% | |
| MFS MID CAP GROWTH R6 Mutual fund | — | — | — | $327K | 2.3% | |
| AMERICAN CENTURY SM CAP GR R6 Mutual fund | — | — | — | $320K | 2.3% | |
| JOHN HANCOCK BOND R6 Mutual fund | — | — | — | $282K | 2.0% | |
| VANGUARD SM CAP VALUE IND ADM Mutual fund | — | — | — | $240K | 1.7% | |
| VANGUARD MID-CAP INDEX ADMIRAL Mutual fund | — | — | — | $189K | 1.3% | |
| 8.50%, maturity dates through 2029 | — | — | — | $176K | 1.2% | |
| JANUS HENDERSON GLB SELECT N Mutual fund | — | — | — | $150K | 1.1% | |
| T. ROWE PRICE GLB MULTI-SEC BD Mutual fund | — | — | — | $93K | 0.7% | |
| COHEN & STEERS INST REALTY SHS Mutual fund | — | — | — | $86K | 0.6% | |
| MASSMUTUAL INFLAT-PROTECT INC Mutual fund | — | — | — | $83K | 0.6% | |
| BLACKROCK EMERGING MARKETS INS Mutual fund | — | — | — | $79K | 0.6% | |
| FLEXPATH INDEX AGGR 2055 GREAT GRAY COLLECTIVE INVESTMENT TRUST · EIN 47-2554270 / PN 222 | Common Collective Trust | — | — | $68K | 0.5% | |
| VANGUARD SMALL-CAP INDEX ADM Mutual fund | — | — | — | $56K | 0.4% | |
| BLACKROCK HEALTH SCI OPPS INST Mutual fund | — | — | — | $38K | 0.3% | |
| FLEXPATH INDEX CONSV RETMT GREAT GRAY COLLECTIVE INVESTMENT TRUST · EIN 47-2264760 / PN 212 | Common Collective Trust | — | — | $3K | <0.1% | |
| FLEXPATH INDEX CONSV 2055 GREAT GRAY COLLECTIVE INVESTMENT TRUST · EIN 47-2575758 / PN 224 | Common Collective Trust | — | — | $3K | <0.1% | |
| FLEXPATH INDEX AGGR RTMT GREAT GRAY COLLECTIVE INVESTMENT TRUST · EIN 47-2238264 / PN 210 | Common Collective Trust | — | — | $19 | <0.1% | |
| FLEXPATH INDEX CONSV 2035 GREAT GRAY COLLECTIVE INVESTMENT TRUST · EIN 47-2491300 / PN 218 | Common Collective Trust | — | — | $0 | <0.1% | |
| FLEXPATH INDEX CONSV 2045 GREAT GRAY COLLECTIVE INVESTMENT TRUST · EIN 47-2529162 / PN 221 | Common Collective Trust | — | — | $0 | <0.1% | |
| FLEXPATH INDEX MOD 2025 GREAT GRAY COLLECTIVE INVESTMENT TRUST · EIN 47-2285799 / PN 214 | Common Collective Trust | — | — | $0 | <0.1% | |
| FLEXPATH INDEX CONSV 2025 GREAT GRAY COLLECTIVE INVESTMENT TRUST · EIN 47-2458234 / PN 215 | Common Collective Trust | — | — | $0 | <0.1% |