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Original filing (PDF)20250929094822NAL0012010240001
AVADIAN CREDIT UNION
Form 5500
FILING_RECEIVED
AVADIAN CREDIT UNION DEFINED BENEFIT PLAN
Defined-benefit pension plan
Signals · 1
66% in single holding
Active participants
80
Accounts w/ balance
—
Plan assets (EOY)
$36.5M
Net assets (EOY)
$36.5M
How this plan invests
This plan
1 pooled trust
Schedule D
3 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
90
/ 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
75
Total plan cost
80
Vendor stack
100
Participation health
100
Knocking points off
- Top holding "Wilmington Trust, N.A. WT CIT DB Growth Portfolio" is 66% of plan.
- 43 bps in Schedule C fees — modestly above peer band of 29 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for AVADIAN CREDIT UNION.
Plan sponsor
Name
AVADIAN CREDIT UNION
EIN
63-0207315
Address
ONE RIVERCHASE PKWY, SO · BIRMINGHAM, AL · 35244
Phone
(205) 985-2828
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
2025-09-29
Pension benefit codes
1A · Pay-related DB formula
Audit & trust (Schedule H)
Auditor
BMSS, LLC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
4 rowsOther
4| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| FID INV INST OPS CO | 04-3532603 | — | NONE | $98K | — |
| CAPFINANCIAL PARTNERS, LLC | 06-0058143 | — | NONE | $60K | — |
| STANDARD RETIREMENT SERVICES | 93-1253576 | — | NONE | $0 | — |
| GALLAGHER BENEFIT SERVICES, INC. | 36-4291971 | — | NONE | $0 | — |
Investments
2 direct securities · 1 pooled fund· $36.4M(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.
Common Collective Trust
$24.2M
1 holding
Uncategorized
$12.3M
2 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| WT CIT DB GROWTH PORTFOLIO WILMINGTON TRUST, N.A. · EIN 82-0737797 / PN 187 | Common Collective Trust | — | — | $24.2M | 66.3% | |
| PIMCO Lng Dur TR Fund | — | — | $6.7M | $6.4M | 17.6% | |
| Standard Insurance Company Standard Stable Asset Fund II | — | — | $5.6M | $5.8M | 16.0% |