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Original filing (PDF)20251003170915NAL0000923747001
EFCU FINANCIAL FEDERAL CREDIT UNION
Form 5500
FILING_RECEIVED
EFCU FINANCIAL FEDERAL CREDIT UNION 401(K) PLAN
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
128
Accounts w/ balance
143
Plan assets (EOY)
$11.9M
Net assets (EOY)
$11.9M
How this plan invests
This plan
33 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
- 44 bps in Schedule C fees — 51% 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 EFCU FINANCIAL FEDERAL CREDIT UNION.
Plan sponsor
Name
EFCU FINANCIAL FEDERAL CREDIT UNION
EIN
72-0433727
Address
ACCOUNTS PAYABLE · 10719 AIRLINE HWY · BATON ROUGE, LA · 708164213
Phone
(800) 963-3328
Industry
Finance & Insurancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
033
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-03
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
EISNERAMPER LLP
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 | $42K | — |
| MEMBERS CAPITAL ADVISORS, INC. | 42-0388260 | — | NONE | $10K | — |
Investments
33 direct securities· $11.9M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard Target Retirement 2045 | — | — | — | $1.9M | 15.8% | |
| Fidelity Large Cap Growth Index | — | — | — | $1.8M | 15.5% | |
| Vanguard Target Retirement 2055 | — | — | — | $919K | 7.7% | |
| Vanguard Value Index Admiral | — | — | — | $786K | 6.6% | |
| Dimensional Fund Advisors International Core Equity I | — | — | — | $686K | 5.7% | |
| Vanguard Target Retirement 2030 | — | — | — | $655K | 5.5% | |
| Vanguard Target Retirement 2025 | — | — | — | $625K | 5.2% | |
| CMFG Life Insurance Company Stable Value Fund A53 | — | — | — | $572K | 4.8% | |
| Vanguard 500 Index Admiral | — | — | — | $558K | 4.7% | |
| Charles Schwab Self-directed brokerage | — | — | — | $510K | 4.3% | |
| Vanguard Target Retirement 2050 | — | — | — | $402K | 3.4% | |
| Vanguard Mid-Cap Growth Index | — | — | — | $333K | 2.8% | |
| Vanguard Mid-Cap Value Index | — | — | — | $266K | 2.2% | |
| Vanguard Target Retirement 2035 | — | — | — | $252K | 2.1% | |
| Vanguard Target Retirement 2040 | — | — | — | $240K | 2.0% | |
| Loomis Sayles Investment Grade Bond Y | — | — | — | $200K | 1.7% | |
| Vanguard Small Cap Index Admiral | — | — | — | $182K | 1.5% | |
| Vanguard Target Retirement 2060 | — | — | — | $172K | 1.4% | |
| Vanguard Small Cap Value Index Admiral | — | — | — | $115K | 1.0% | |
| Vanguard Small Cap Growth Index | — | — | — | $108K | 0.9% | |
| Dimensional Fund Advisors Real Estate Securities I | — | — | — | $102K | 0.9% | |
| Vanguard Target Retirement Income | — | — | — | $94K | 0.8% | |
| JPMorgan International Focus R6 | — | — | — | $77K | 0.6% | |
| Vanguard Target Retirement 2065 | — | — | — | $62K | 0.5% | |
| Vanguard Target Retirement 2020 | — | — | — | $56K | 0.5% | |
| Vanguard Emerging Markets Stock Index | — | — | — | $55K | 0.5% | |
| Vanguard LifeStrategy Moderate Growth | — | — | — | $48K | 0.4% | |
| Growth Vanguard LifeStrategy Growth | — | — | — | $46K | 0.4% | |
| Vanguard LifeStrategy Conservative | — | — | — | $36K | 0.3% | |
| Putnam High Yield Y | — | — | — | $16K | 0.1% | |
| Templeton Global Bond | — | — | — | $15K | 0.1% | |
| Pimco Real Return | — | — | — | $11K | <0.1% | |
| Vanguard Mid-Cap Value Index Admiral | — | — | — | $3K | <0.1% |