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Original filing (PDF)20250730120429NAL0002322227001
EDUCATION FIRST FEDERAL CREDIT UNION
Form 5500
FILING_RECEIVED
EDUCATION FIRST F.C.U. EMPLOYEES SAVINGS PLAN
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
137
Accounts w/ balance
152
Plan assets (EOY)
$9.4M
Net assets (EOY)
$9.4M
How this plan invests
This plan
28 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 (29 bps vs 52 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for EDUCATION FIRST FEDERAL CREDIT UNION.
Plan sponsor
Name
EDUCATION FIRST FEDERAL CREDIT UNION
EIN
74-1186856
Address
7025 EASTEX FWY · BEAUMONT, TX · 777066515
Phone
(409) 898-3770
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
2025-07-30
Pension benefit codes
2A · Age/service weighted or new comparability
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
CLIFTONLARSONALLEN 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 | $19K | — |
| MEMBER CAPITAL ADVISORS, INC. D/B/ | 42-0388260 | — | NONE | $8K | — |
Investments
28 direct securities· $9.4M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| BlackRock Lifepath Index 2030 (K) | — | — | — | $1.2M | 12.9% | |
| BlackRock Lifepath Index 2050 (K) | — | — | — | $1.1M | 11.9% | |
| BlackRock Lifepath Index 2040 (K) | — | — | — | $1.1M | 11.8% | |
| Vanguard Growth Index Admiral | — | — | — | $1.1M | 11.2% | |
| BlackRock Lifepath Index 2055 (K) | — | — | — | $979K | 10.4% | |
| Vanguard Inflation-Protected Sec Ad 728 Vanguard 500 Index Admiral | — | — | — | $536K | 5.7% | |
| BlackRock Lifepath Index Retire (K) | — | — | — | $494K | 5.2% | |
| Vanguard Mid-Cap Growth Index Admiral | — | — | — | $268K | 2.8% | |
| Vanguard Value Index Admiral | — | — | — | $264K | 2.8% | |
| CMFG Life Insurance CUNA Mutual Guaranteed Account | — | — | — | $255K | 2.7% | |
| BlackRock Lifepath Index 2045 (K) | — | — | — | $247K | 2.6% | |
| Dimensional Fund Advisors DFA US Large Cap Value Fund (I) | — | — | — | $238K | 2.5% | |
| JP Morgan JP Morgan International Focus R6 | — | — | — | $227K | 2.4% | |
| PIMCO High Yield Fund (I) | — | — | — | $214K | 2.3% | |
| BlackRock Lifepath Index 2035 (K) | — | — | — | $180K | 1.9% | |
| Vanguard Small Cap Growth Index Admiral | — | — | — | $147K | 1.6% | |
| Vanguard Small Cap Value Index Admiral | — | — | — | $143K | 1.5% | |
| Vanguard Mid Cap Index Admiral | — | — | — | $132K | 1.4% | |
| Vanguard Total Bond Mkt Index Admiral | — | — | — | $130K | 1.4% | |
| BlackRock Lifepath Index 2065 (K) | — | — | — | $104K | 1.1% | |
| BlackRock Lifepath Index 2060 (K) | — | — | — | $86K | 0.9% | |
| Dimensional Fund Advisors DFA Emerging Markets Fund (I) | — | — | — | $65K | 0.7% | |
| Vanguard Small Cap Index Admiral | — | — | — | $52K | 0.6% | |
| Vanguard Mid-Cap Value Index | — | — | — | $52K | 0.5% | |
| Participants Participant Loans, Various Maturities Rate of 4.50% to 9.50% - | — | — | — | $46K | 0.5% | |
| Vanguard REIT Index Fd - Admiral | — | — | — | $32K | 0.3% | |
| Schwab PCRA | — | — | — | $26K | 0.3% | |
| Loomis Sayles Loomis Sayles Investment Grade Bond Y | — | — | — | $17K | 0.2% |