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Original filing (PDF)20250807085531NAL0002093555001
CAPITAL EDUCATORS FEDERAL CREDIT UNION
Form 5500
FILING_RECEIVED
CAPITAL EDUCATORS FEDERAL CREDIT UNION 401(K) PLAN AND TRUST
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
287
Accounts w/ balance
311
Plan assets (EOY)
$10.6M
Net assets (EOY)
$10.6M
How this plan invests
This plan
23 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
93
/ 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
80
Vendor stack
80
Participation health
100
Knocking points off
- 40 bps in Schedule C fees — modestly 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 CAPITAL EDUCATORS FEDERAL CREDIT UNION.
Plan sponsor
Name
CAPITAL EDUCATORS FEDERAL CREDIT UNION
EIN
82-0212120
Address
PO BOX 570 · MERIDIAN, ID · 836800570
Phone
(208) 884-0150
Industry
Finance & Insurancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
003
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-08-07
Pension benefit codes
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)
2E · Profit-sharing
Audit & trust (Schedule H)
Auditor
EIDE BAILY 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 | $33K | — |
| MEMBERS CAPITAL ADVISORS, INC. DBA | 42-0388260 | — | NONE | $9K | — |
Investments
23 direct securities· $10.6M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| BlackRock Lifepath Index 2030 Portfolio (K) Mutual Fund N/A | — | — | — | $1.7M | 15.9% | |
| BlackRock Lifepath Index 2050 Portfolio (K) Mutual Fund N/A | — | — | — | $1.4M | 12.8% | |
| BlackRock Lifepath Index Retire (K) Mutual Fund N/A | — | — | — | $1.3M | 12.3% | |
| BlackRock Lifepath Index 2040 Portfolio (K) Mutual Fund N/A | — | — | — | $1.2M | 11.1% | |
| BlackRock Lifepath Index 2055 Portfolio (K) Mutual Fund N/A | — | — | — | $868K | 8.2% | |
| Fidelity 500 Index Mutual Fund N/A | — | — | — | $821K | 7.8% | |
| BlackRock Lifepath Index 2045 Portfolio (K) Mutual Fund N/A | — | — | — | $576K | 5.5% | |
| BlackRock Lifepath Index 2060 Portfolio (K) Mutual Fund N/A | — | — | — | $567K | 5.4% | |
| CUNA Mutual Guaranteed Account Guaranteed Account Contract N/A | — | — | — | $463K | 4.4% | |
| BlackRock Lifepath Index 2035 Portfolio (K) Mutual Fund N/A | — | — | — | $445K | 4.2% | |
| Notes receivable from participants Maturing 2025 - 2030 at interest rates of 4.25% - 9.50% $ - | — | — | — | $309K | 2.9% | |
| Fidelity Large Cap Growth Index Mutual Fund N/A | — | — | — | $213K | 2.0% | |
| Fidelity Mid Cap Index Mutual Fund N/A | — | — | — | $206K | 2.0% | |
| BlackRock Lifepath Index 2065 Portfolio (K) Mutual Fund N/A | — | — | — | $137K | 1.3% | |
| JP Morgan Equity Income R6 Mutual Fund N/A | — | — | — | $126K | 1.2% | |
| Fidelity Global Exchange US Index Mutual Fund N/A | — | — | — | $111K | 1.1% | |
| DFA International Core Equity Mutual Fund N/A | — | — | — | $59K | 0.6% | |
| DFA U.S. Small Cap Fund (I) Mutual Fund N/A | — | — | — | $42K | 0.4% | |
| Vanguard Real Estate Index Admin Mutual Fund NA | — | — | — | $35K | 0.3% | |
| Dodge & Cox Income I Mutual Fund N/A | — | — | — | $29K | 0.3% | |
| Fidelity U.S. Bond Index Mutual Fund N/A | — | — | — | $23K | 0.2% | |
| PIMCO Real Return Institution Mutual Fund N/A | — | — | — | $13K | 0.1% | |
| Fidelity Small Cap Index Mutual Fund N/A | — | — | — | $12K | 0.1% |