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Original filing (PDF)20251015164950NAL0002660947001
TWINSTAR CREDIT UNION
Form 5500
FILING_RECEIVED
TWINSTAR CREDIT UNION PROFIT SHARING AND 401(K) SALARY REDUCTION PLAN
401(k) retirement plan
Active participants
804
Accounts w/ balance
1,027
Plan assets (EOY)
$85.7M
Net assets (EOY)
$85.7M
How this plan invests
This plan
5 pooled trusts
Schedule D
46 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
- 37 bps in Schedule C fees — 131% above peer band of 16 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for TWINSTAR CREDIT UNION.
Plan sponsor
Name
TWINSTAR CREDIT UNION
EIN
91-0440744
Address
PO BOX 718 · OLYMPIA, WA · 98507
Phone
(541) 744-9766
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
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2R · Participant-directed brokerage (SDBA)
2S · Automatic enrollment
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
JONES & ROTH, PC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
5 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE COMPANY O | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $69K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ALERA GROUP INC DBA ALERA INVESTMEN | — | DEERFIELD, IL | INVESTMENT ADVISOR | $112K | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PRIME PENSIONS NORTHWEST LLC | — | EUGENE, OR | TPA | $55K | — |
Accountant / Auditor
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| JONES & ROTH | — | EUGENE, OR | AUDITOR | $41K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ADVISORY GROUP, LLC | — | GREENWOOD VILLAGE, CO | INVESTMENT MGMT | $39K | — |
Investments
41 direct securities · 5 pooled funds· $85.0M(99% 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.
Uncategorized
$80.0M
41 holdings
Pooled Separate Account
$3.2M
1 holding
Common Collective Trust
$1.7M
4 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Blackrock Lifepath Index 2035 K | — | — | — | $8.2M | 9.5% | |
| Blackrock Lifepath Index 2045 K | — | — | — | $8.1M | 9.4% | |
| Vanguard 500 Index Admiral | — | — | — | $7.5M | 8.7% | |
| Blackrock Lifepath Index Retirement K | — | — | — | $7.3M | 8.5% | |
| Blackrock Lifepath Index 2040 K | — | — | — | $7.2M | 8.4% | |
| Blackrock Lifepath Index 2030 K | — | — | — | $6.1M | 7.1% | |
| Blackrock Lifepath Index 2050 K | — | — | — | $5.9M | 6.9% | |
| Blackrock Lifepath Index 2055 K | — | — | — | $5.5M | 6.5% | |
| Vanguard Total Bond Market Index Admiral | — | — | — | $3.2M | 3.8% | |
| LARGE CAP GROWTH / JP MORGAN INVST EMPOWER ANNUITY INSURANCE COMPANY · EIN 06-1050034 / PN 141 | Pooled Separate Account | — | — | $3.2M | 3.8% | |
| Vanguard Total Intl Stock Index Admiral | — | — | — | $2.7M | 3.1% | |
| Key Guaranteed Portfolio Fund | — | — | — | $2.7M | 3.1% | |
| Blackrock Lifepath Index 2060 K | — | — | — | $2.2M | 2.6% | |
| Jpmorgan Equity Income R6 | — | — | — | $1.7M | 2.0% | |
| Participant loans | — | — | — | $1.6M | 1.8% | |
| Vanguard Small Cap Index Adm | — | — | — | $1.4M | 1.6% | |
| Vanguard Mid Cap Index Fund - Admiral | — | — | — | $1.1M | 1.3% | |
| American Funds New Perspective R6 | — | — | — | $1.1M | 1.3% | |
| Mfs Aggressive Growth Allocation R4 | — | — | — | $968K | 1.1% | |
| Baron Growth Instl | — | — | — | $912K | 1.1% | |
| Blackrock Lifepath Index 2065 K | — | — | — | $850K | 1.0% | |
| CORE PLUS BOND FUND FEE CLASS R1 GREAT GRAY · EIN 38-4116854 / PN 515 | Common Collective Trust | — | — | $748K | 0.9% | |
| Vanguard Wellesley Income Adm | — | — | — | $569K | 0.7% | |
| Vanguard Small Cap Value Index Admiral | — | — | — | $547K | 0.6% | |
| SMALL CAP GROWTH FUND II FEE CLASS GREAT GRAY · EIN 38-4126288 / PN 592 | Common Collective Trust | — | — | $509K | 0.6% | |
| Natixis Sustainable Future 2055 N | — | — | — | $349K | 0.4% | |
| MID CAP VALUE FEE CLASS R1 GREAT GRAY · EIN 38-4139852 / PN 630 | Common Collective Trust | — | — | $326K | 0.4% | |
| Vanguard Emerging Mkts Stock Idx Adm | — | — | — | $307K | 0.4% | |
| Nuveen Real Estate Securities I | — | — | — | $288K | 0.3% | |
| Natixis Sustainable Future 2035 N | — | — | — | $237K | 0.3% | |
| Mfs Growth Allocation R4 | — | — | — | $236K | 0.3% | |
| Self-directed brokerage accounts | — | — | — | $220K | 0.3% | |
| Fidelity International Growth | — | — | — | $183K | 0.2% | |
| Natixis Sustainable Future 2060 N | — | — | — | $160K | 0.2% | |
| Mfs Moderate Allocation R4 | — | — | — | $146K | 0.2% | |
| Pimco Income Instl | — | — | — | $141K | 0.2% | |
| American Funds Smallcap World R6 | — | — | — | $135K | 0.2% | |
| EMERGING MARKETS FUND CLASS R1 GREAT GRAY · EIN 86-1819869 / PN 672 | Common Collective Trust | — | — | $133K | 0.2% | |
| Self-directed brokerage accounts | — | — | — | $103K | 0.1% | |
| Natixis Sustainable Future 2025 N | — | — | — | $103K | 0.1% | |
| Natixis Sustainable Future 2050 N | — | — | — | $47K | <0.1% | |
| Natixis Sustainable Future 2040 N | — | — | — | $29K | <0.1% | |
| Mfs Conservative Allocation R4 | — | — | — | $28K | <0.1% | |
| Natixis Sustainable Future 2045 N | — | — | — | $3K | <0.1% | |
| Natixis Sustainable Future 2015 N | — | — | — | $2K | <0.1% | |
| Natixis Sustainable Future 2020 N | — | — | — | $2K | <0.1% |