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Original filing (PDF)20251008191931NAL0005936737001
MIDFLORIDA CREDIT UNION
Form 5500
FILING_RECEIVED
MIDFLORIDA CREDIT UNION RETIREMENT PENSION PLAN
Defined-benefit pension plan
Signals · 1
No recordkeeper disclosed
Active participants
391
Accounts w/ balance
—
Plan assets (EOY)
$137.7M
Net assets (EOY)
$137.7M
How this plan invests
This plan
11 pooled trusts
Schedule D
39 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
98
/ 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
80
Participation health
100
Knocking points off
- No recordkeeper disclosed on Schedule C.
Helping the score
- Below-peer total fees (0 bps vs 10 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for MIDFLORIDA CREDIT UNION.
Plan sponsor
Name
MIDFLORIDA CREDIT UNION
EIN
59-6194363
Address
129 S KENTUCKY AVENUE · LAKELAND, FL · 33801
Phone
(863) 616-2100
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
2025-10-08
Pension benefit codes
1A · Pay-related DB formula
Audit & trust (Schedule H)
Auditor
DOEREN MAYHEW ASSURANCE
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
1 rowsTPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| NOVA 401(K) ASSOCIATES | 20-1181458 | HOUSTON, TX | THIRD PARTY ADMINISTRATOR | $6K | — |
Investments
39 direct securities · 11 pooled funds· $206.3M(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
$137.7M
39 holdings
Pooled Separate Account
$48.5M
1 holding
Common Collective Trust
$20.1M
10 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| MAP CONTRACT - SEPARATE ACCOUNT D VOYA RETIREMENT INSURANCE AND ANNUITY CO. · EIN 71-0294708 / PN 000 | Pooled Separate Account | — | — | $48.5M | 35.2% | |
| Vanguard Growth Index Fund Adm | — | — | $7.4M | $10.7M | 7.8% | |
| FIDELITY FIMM Gov't Port Money Market | — | — | $1.0M | $10.3M | 7.5% | |
| Invesco Eq Wght S&P500 Fund R6 | — | — | $9.3M | $10.2M | 7.4% | |
| MYCOMPASS IND MODERATE 2045 FD R6 GREAT GRAY TRUST COMPANY · EIN 38-4097334 / PN 480 | Common Collective Trust | — | — | $10.0M | 7.3% | |
| MYCOMPASS IND MODERATE 2035 FD GREAT GRAY TRUST COMPANY · EIN 38-4097333 / PN 479 | Common Collective Trust | — | — | $9.6M | 7.0% | |
| Invesco Floating Rate ESG Fund R6 | — | — | $7.4M | $7.7M | 5.6% | |
| Vanguard 500 Index Fund Adm | — | — | $6.0M | $7.3M | 5.3% | |
| Vanguard Small-Cap Index | — | — | $6.5M | $7.2M | 5.2% | |
| Vanguard Mid-Cap Index | — | — | $5.6M | $6.3M | 4.6% | |
| Voya Fixed Account | — | — | $5.1M | $5.1M | 3.7% | |
| Vanguard Value Index Fund Adm | — | — | $4.2M | $4.8M | 3.5% | |
| American Funds Amer Mutual R6 | — | — | $4.2M | $4.7M | 3.4% | |
| Vanguard Total Bond Market Ind Fund | — | — | $4.4M | $4.4M | 3.2% | |
| PIMCO Short-Term Fund | — | — | $4.3M | $4.4M | 3.2% | |
| Cohen & Steers Pr Secs Inc Fund | — | — | $3.8M | $4.1M | 3.0% | |
| Vanguard Total Int Stock In Fund Adm | — | — | $3.6M | $3.7M | 2.7% | |
| Nuveen Pref Sec and Inc Fund R6 | — | — | $3.3M | $3.5M | 2.5% | |
| Transamerica Multi-Managed Balanced Fund | — | — | $3.1M | $3.3M | 2.4% | |
| US Govt US Treasury Note CPN 1.375% Due 8/31/2026 | — | — | $3.0M | $3.1M | 2.3% | |
| US Govt US Treasury Note CPN 1.125% Due 8/31/2028 | — | — | $3.0M | $3.1M | 2.3% | |
| MFS Intk Diversification Fund R6 | — | — | $2.8M | $2.9M | 2.1% | |
| American Funds EuroPacific R6 | — | — | $2.7M | $2.8M | 2.0% | |
| Neuberg Berm Strat Inc Fund R6 | — | — | $2.6M | $2.7M | 1.9% | |
| Pioneer Stratigic Income Fund K | — | — | $2.4M | $2.5M | 1.8% | |
| PGIM Short-Term Corp Bond Fund | — | — | $2.3M | $2.4M | 1.7% | |
| American Funds Balance Fund Class Fund | — | — | $1.9M | $2.4M | 1.7% | |
| Vanguard Balanced Index Fund Admiral Shares N/L | — | — | $1.8M | $2.2M | 1.6% | |
| JPMorgan Hedged Equity CL 1 | — | — | $1.8M | $2.0M | 1.5% | |
| US Govt US Treasury Security Strip Int Due 11/15/29 | — | — | $2.0M | $1.9M | 1.4% | |
| Vanguard Mid-Cap Growth ETF | — | — | $998K | $1.3M | 1.0% | |
| Vanguard Small-Cap Growth ETF | — | — | $927K | $1.3M | 0.9% | |
| PIMCO Cmdty R1 Rturn Strat Fund | — | — | $1.8M | $1.3M | 0.9% | |
| FIDELITY Floating Rate High Income Fund | — | — | $1.2M | $1.2M | 0.9% | |
| MAINSTAY WMC Value Fund | — | — | $1.2M | $1.2M | 0.9% | |
| Vanguard Utilities ETF | — | — | $999K | $990K | 0.7% | |
| JPMorgan Chase Final Co Cap Digital Note LKD | — | — | $1.0M | $972K | 0.7% | |
| Cushing MLP Premier CL 1 | — | — | $741K | $916K | 0.7% | |
| Tortoise MLP & Pipeline Instl | — | — | $589K | $843K | 0.6% | |
| Ameriprise Bank Insured Cash | — | — | $820K | $820K | 0.6% | |
| Vanguard Real Estate Index Adm | — | — | $716K | $733K | 0.5% | |
| PIMCO CmdtyRlRtn Strat Fnd | — | — | $169K | $479K | 0.3% | |
| MAP CONTRACT - SEPARATE ACCOUNT D VOYA LIFE INSURANCE AND ANNUITY CO · EIN 71-0294708 / PN 000 | Common Collective Trust | — | — | $374K | 0.3% | |
| MYCOMPASS IND AGGRESSIVE 2065 FD R6 GREAT GRAY TRUST COMPANY · EIN 38-7271384 / PN 765 | Common Collective Trust | — | — | $73K | <0.1% | |
| MYCOMPASS IND AGGRESSIVE 2055 FD R6 GREAT GRAY TRUST COMPANY · EIN 38-4097330 / PN 476 | Common Collective Trust | — | — | $10K | <0.1% | |
| MYCOMPASS IND AGGRESSIVE 2045 FD R6 GREAT GRAY TRUST COMPANY · EIN 38-4097329 / PN 475 | Common Collective Trust | — | — | $6K | <0.1% | |
| MYCOMPASS IND AGGRESSIVE RET FD R6 GREAT GRAY TRUST COMPANY · EIN 38-4097326 / PN 472 | Common Collective Trust | — | — | $3K | <0.1% | |
| MYCOMPASS IND AGGRESSIVE 2035 FD R6 GREAT GRAY TRUST COMPANY · EIN 38-4097328 / PN 474 | Common Collective Trust | — | — | $1K | <0.1% | |
| MYCOMPASS IND CONSERV 2055 FD R6 GREAT GRAY TRUST COMPANY · EIN 38-4097340 / PN 486 | Common Collective Trust | — | — | $703 | <0.1% | |
| MYCOMPASS IND CONSERV 2035 FD R6 GREAT GRAY TRUST COMPANY · EIN 38-4097338 / PN 484 | Common Collective Trust | — | — | $365 | <0.1% |