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Original filing (PDF)20250923112526NAL0006772640001
IQ CREDIT UNION
Form 5500
FILING_RECEIVED
IQ CREDIT UNION 401(K) PLAN
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
344
Accounts w/ balance
448
Plan assets (EOY)
$36.6M
Net assets (EOY)
$36.6M
How this plan invests
This plan
30 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
- 37 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 IQ CREDIT UNION.
Plan sponsor
Name
IQ CREDIT UNION
EIN
91-0576399
Address
PO BOX 1739 · VANCOUVER, WA · 98668
Phone
(800) 247-4364
Industry
Finance & Insurancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
001
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-09-23
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
PERKINS & COMPANY
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsOther
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| STANCORP FINANCIAL GROUP | 93-1253576 | — | NONE | $91K | — |
| CAMBRIDGE INVESTMENT RESEARCH, INC. | 42-1445429 | — | NONE | $44K | — |
Investments
30 direct securities· $36.6M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| American Funds 2030 Target Date Fund R6 Mutual Fund a | — | — | — | $4.3M | 11.7% | |
| American Funds 2045 Target Date Fund R6 Mutual Fund a | — | — | — | $3.9M | 10.7% | |
| Vanguard 500 Index Admiral Mutual Fund a | — | — | — | $3.6M | 9.9% | |
| American Funds 2050 Target Date Fund R6 Mutual Fund a | — | — | — | $2.6M | 7.2% | |
| American Century Ultrar R6 Mutual Fund a | — | — | — | $2.6M | 7.2% | |
| American Funds 2035 Target Date Fund R6 Mutual Fund a | — | — | — | $2.5M | 6.7% | |
| American Funds 2055 Target Date Fund R6 Mutual Fund a | — | — | — | $2.4M | 6.5% | |
| Standard Insurance Company Group Annuity Contract a | — | — | — | $2.0M | 5.6% | |
| American Funds 2040 Target Date Fund R6 Mutual Fund a | — | — | — | $2.0M | 5.6% | |
| American Funds 2025 Target Date Fund R6 Mutual Fund a | — | — | — | $1.8M | 4.8% | |
| American Funds 2060 Target Date Fund R6 Mutual Fund a | — | — | — | $1.4M | 3.8% | |
| American Funds 2020 Target Date Fund R6 Mutual Fund a | — | — | — | $987K | 2.7% | |
| Voya Intermediate Bond Fund Mutual Fund a | — | — | — | $954K | 2.6% | |
| American Funds New Perspective R6 Mutual Fund a | — | — | — | $820K | 2.2% | |
| MFS International Diversification Fund Class R6 Mutual Fund a | — | — | — | $668K | 1.8% | |
| American Funds 2065 Target Date Fund R6 Mutual Fund a | — | — | — | $622K | 1.7% | |
| MFS Value R6 Mutual Fund a | — | — | — | $515K | 1.4% | |
| Vanguard Wellington Admiral Mutual Fund a | — | — | — | $457K | 1.2% | |
| Vanguard Explorer Adm Mutual Fund a | — | — | — | $440K | 1.2% | |
| MFS Mid Cap Value R6 Mutual Fund a | — | — | — | $422K | 1.2% | |
| Fidelity Small Cap Index Fund Mutual Fund a | — | — | — | $374K | 1.0% | |
| American Funds 2015 Target Date Fund R6 Mutual Fund a | — | — | — | $286K | 0.8% | |
| MFS Mid Cap Growth Mutual Fund a | — | — | — | $244K | 0.7% | |
| T. Rowe Price Mid-Cap Value Mutual Fund a | — | — | — | $172K | 0.5% | |
| Janus Global Life Sciences I Mutual Fund a | — | — | — | $118K | 0.3% | |
| Columbia Mid Cap Index R5 Mutual Fund a | — | — | — | $115K | 0.3% | |
| American Funds 2010 Target Date Fund R6 Mutual Fund a | — | — | — | $90K | 0.2% | |
| American Funds 2070 Target Date Fund R6 Mutual Fund a | — | — | — | $89K | 0.2% | |
| American Century Small Cap Value Mutual Fund a | — | — | — | $70K | 0.2% | |
| Participant Loans 5.25% - 10.50% - | — | — | — | $33K | <0.1% |