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Original filing (PDF)20251015152852NAL0006612112001
IDAHO CENTRAL CREDIT UNION
Form 5500
FILING_RECEIVED
IDAHO CENTRAL CREDIT UNION 401(K) PLAN
401(k) retirement plan
Active participants
1,909
Accounts w/ balance
2,348
Plan assets (EOY)
$99.5M
Net assets (EOY)
$99.5M
How this plan invests
This plan
31 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
91
/ 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
100
Participation health
100
Knocking points off
- 28 bps in Schedule C fees — 78% above peer band of 16 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for IDAHO CENTRAL CREDIT UNION.
Plan sponsor
Name
IDAHO CENTRAL CREDIT UNION
EIN
82-0217065
Address
PO BOX 2469 · POCATELLO, ID · 83206
Phone
(208) 239-3000
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
2025-10-15
Pension benefit codes
2G · Total participant-directed accounts
2F · ERISA section 404(c)
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
POSTON DENNEY KILLPACK PLLC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| FIDELITY INVESTMENTS INSTITUTIONAL | 04-2647786 | — | RECORDKEEPER | $152K | — |
Advisor / Consultant
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| GALLAGHER FIDUCIARY ADVISORS LLC | 36-4291971 | — | ADVISOR | $112K | — |
| STRATEGIC ADVISORS, INC. | 04-2654524 | — | ADVISOR | $19K | — |
Investments
31 direct securities· $99.5M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Fidelity Management Trust Company FID 500 INDEX | — | — | — | $14.9M | 14.9% | |
| Fidelity Management Trust Company FID FDM IDX 2050 IPR | — | — | — | $9.2M | 9.2% | |
| T. Rowe Price Investment Management TRP BLUE CHIP GRTH I | — | — | — | $8.9M | 8.9% | |
| Fidelity Management Trust Company FID FDM IDX 2040 IPR | — | — | — | $7.8M | 7.8% | |
| Fidelity Management Trust Company FID FDM IDX 2035 IPR | — | — | — | $7.2M | 7.2% | |
| Prudential Investment Management PGIM TOTAL RTN BD R6 | — | — | — | $7.1M | 7.2% | |
| MFS Investment Management MFS INTL INTR VAL R6 | — | — | — | $6.5M | 6.5% | |
| MFS Investment Management MFS VALUE R6 | — | — | — | $6.2M | 6.2% | |
| Standard Insurance Company STD STABLE ASSET 2 | — | — | — | $4.9M | 4.9% | |
| J.P. Morgan Chase & Co. JPM MID CAP GRTH R6 | — | — | — | $3.8M | 3.8% | |
| Fidelity Management Trust Company FID FDM IDX 2030 IPR | — | — | — | $2.7M | 2.8% | |
| The Vanguard Group, Inc. VANG SM CAP IDX ADM | — | — | — | $2.6M | 2.6% | |
| Fidelity Management Trust Company FID FDM IDX 2065 IPR | — | — | — | $2.4M | 2.4% | |
| MFS Investment Management MFS MID CAP VALUE R6 | — | — | — | $2.3M | 2.3% | |
| Participant notes receivable 3.25% to 8.50% annual rates of interest; | — | — | — | $2.3M | 2.3% | |
| Fidelity Management Trust Company FID FDM IDX 2055 IPR | — | — | — | $2.2M | 2.2% | |
| Fidelity Management Trust Company FID FDM IDX 2060 IPR | — | — | — | $1.9M | 1.9% | |
| Fidelity Management Trust Company FID FDM IDX 2045 IPR | — | — | — | $1.7M | 1.7% | |
| Fidelity Management Trust Company FID FDM IDX 2020 IPR | — | — | — | $1.2M | 1.2% | |
| The Vanguard Group, Inc. VANG DEV MKT IDX ADM | — | — | — | $1.0M | 1.0% | |
| American Funds Distributors, Inc. AF NEW WORLD R6 | — | — | — | $644K | 0.6% | |
| Prudential Investment Management PGIM HIGH YIELD R6 | — | — | — | $522K | 0.5% | |
| Fidelity Management Trust Company FID FDM IDX 2025 IPR | — | — | — | $487K | 0.5% | |
| The Vanguard Group, Inc. VANG MIDCAP IDX ADM | — | — | — | $450K | 0.5% | |
| The Vanguard Group, Inc. VANG SMCPVL IDX ADM | — | — | — | $374K | 0.4% | |
| Prudential Investment Management PIM REAL RETURN INST | — | — | — | $211K | 0.2% | |
| J.P. Morgan Chase & Co. JPM SM CAP GROWTH R6 | — | — | — | $140K | 0.1% | |
| Fidelity Management Trust Company FID FDM IDX INC IPR | — | — | — | $122K | 0.1% | |
| Fidelity Management Trust Company FID GOVT MMKT | — | — | — | $20K | <0.1% | |
| Fidelity Management Trust Company FID FDM IDX 2070 IPR | — | — | — | $13K | <0.1% | |
| Fidelity Management Trust Company FID FDM IDX 2015 IPR | — | — | — | $10K | <0.1% |