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Original filing (PDF)20250724174855NAL0012632114001
WHATCOM EDUCATIONAL CREDIT UNION
Form 5500
FILING_RECEIVED
WHATCOM EDUCATIONAL CREDIT UNION RETIREMENT PLAN
401(k) retirement plan
Active participants
418
Accounts w/ balance
599
Plan assets (EOY)
$71.7M
Net assets (EOY)
$71.7M
How this plan invests
This plan
1 pooled trust
Schedule D
33 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
95
/ 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
100
Participation health
100
Knocking points off
- 20 bps in Schedule C fees — modestly above peer band of 16 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for WHATCOM EDUCATIONAL CREDIT UNION.
Plan sponsor
Name
WHATCOM EDUCATIONAL CREDIT UNION
DBA
WECU
EIN
91-0712539
Address
PO BOX 9750 · BELLINGHAM, WA · 98227
Phone
(360) 676-1168
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
2025-07-24
Pension benefit codes
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2T · Default investment account (QDIA)
2E · Profit-sharing
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
CLIFTONLARSONALLEN LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| FIDELITY INVESTMENTS INSTITUTIONAL | 04-2647786 | — | RECORDKEEPER | $63K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ALERA INVESTMENT ADVISORS LLC | 82-1301701 | — | ADVISOR | $82K | — |
Investments
32 direct securities · 1 pooled fund· $71.7M(100% 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
$71.0M
32 holdings
Common Collective Trust
$730K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Fidelity 500 Index Mutual Fund | — | — | — | $7.7M | 10.7% | |
| JPMorgan SmartRetirement Blend 2040 R6 Mutual Fund | — | — | — | $6.0M | 8.4% | |
| JPMorgan SmartRetirement Blend 2050 R6 Mutual Fund | — | — | — | $5.4M | 7.5% | |
| JPMorgan SmartRetirement Blend 2045 R6 Mutual Fund | — | — | — | $5.1M | 7.1% | |
| JPMorgan Large Cap Grow th R6 Mutual Fund | — | — | — | $5.0M | 7.0% | |
| JPMorgan SmartRetirement Blend 2035 R6 Mutual Fund | — | — | — | $3.5M | 4.9% | |
| JPMorgan SmartRetirement Blend 2055 R6 Mutual Fund | — | — | — | $3.5M | 4.8% | |
| Janus Henderson Enterprise Fund Class N Mutual Fund | — | — | — | $3.1M | 4.3% | |
| Fidelity Mid Cap Index Mutual Fund | — | — | — | $2.7M | 3.7% | |
| JPMorgan SmartRetirement Blend 2030 R6 Mutual Fund | — | — | — | $2.6M | 3.7% | |
| JPMorgan SmartRetirement Blend 2060 R6 Mutual Fund | — | — | — | $2.6M | 3.7% | |
| FA SEMICONDUCTORS I Mutual Fund | — | — | — | $2.4M | 3.3% | |
| Dodge & Cox Stock Mutual Fund | — | — | — | $2.3M | 3.2% | |
| The Hartford International Opportunities Fund Class Y Mutual Fund | — | — | — | $2.0M | 2.8% | |
| Prudential Total Return BD R6 Mutual Fund | — | — | — | $1.8M | 2.5% | |
| Fidelity MM Trust Retirement Gov Money Market II Portfolio Money Market Fund | — | — | — | $1.6M | 2.3% | |
| AS SPL MID CP VAL R6 Mutual Fund | — | — | — | $1.6M | 2.2% | |
| GS Small Cap Value Ins R6 Mutual Fund | — | — | — | $1.5M | 2.1% | |
| Fidelity Advisor Strategic Income Z Mutual Fund | — | — | — | $1.5M | 2.1% | |
| AB Small Cap Grow th Advisor Class Mutual Fund | — | — | — | $1.4M | 2.0% | |
| GS Emerging Markets Equity Fund Mutual Fund | — | — | — | $1.3M | 1.8% | |
| Fidelity International Grow th Z Mutual Fund | — | — | — | $1.1M | 1.6% | |
| Nuveen Real Estate Securities Fund Class I Mutual Fund | — | — | — | $875K | 1.2% | |
| FA STABLE VALUE I FIDELITY MANAGEMENT TRUST COMPANY · EIN 04-3022712 / PN 026 | Common Collective Trust | — | — | $730K | 1.0% | |
| JPMorgan SmartRetirement Blend 2020 R6 Mutual Fund | — | — | — | $724K | 1.0% | |
| Notes Receivable from Participants Participant Loans, Ranging 1 to 10 Years Maturity w ith Interest Rates of 5.25% to 10.50% - | — | — | — | $642K | 0.9% | |
| Fidelity Small Cap Index Mutual Fund | — | — | — | $519K | 0.7% | |
| JPMorgan SmartRetirement Blend Income R6 Mutual Fund | — | — | — | $473K | 0.7% | |
| MFS Global Alternative Strategy Fund R6 Mutual Fund | — | — | — | $465K | 0.6% | |
| JPMorgan SmartRetirement Blend 2025 R6 Mutual Fund | — | — | — | $433K | 0.6% | |
| Prudential Global Real Estate Fund Class Z Mutual Fund | — | — | — | $407K | 0.6% | |
| Fidelity US Bond Index Mutual Fund | — | — | — | $394K | 0.5% | |
| Fidelity Infl Pr Bond Index Mutual Fund | — | — | — | $319K | 0.4% |
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