Department of Labor filing

CAPITAL CREDIT UNION

CAPITAL CREDIT UNION 401(K) PLAN AND TRUST · For the plan year ended Dec 31, 2024

Public filing 2024 · received Oct 13, 2025Verified current terms Not available

Plan at a glance

How good does the filing look?

39filing comparison
out of 100

The filing trails many comparable plans on reported employer support and/or plan-paid administrative costs. This is a filing comparison, not a complete benefits score.

$Employer support

$2,800

Reported employer contributions per active participant.

Higher than about 39% of comparable plans

#People in the filing

444

Active participants reported for 2024.

The filing does not say how many employees are currently contributing.

¢Visible plan-paid fees

$221 / participant

Reported administrative expense—not every fee an employee may pay.

Lower cost than about 41% of comparable plans

↗Investment performance

Not available

Plan assets changed 10.8%, but that includes contributions, withdrawals, and market movement.

Asset change is not investment performance.

What we still need to judge the benefit

Current match formula, vesting, eligibility, investment choices, fund expense ratios, and employee-level fees.

See missing terms ↓

Filing comparison · 202439out of 100 among similar-size plans in the same industry when enough peers exist

How this filing compares

Reported employer contributions39th percentileTypical peer $3,279 · based on 1,427 comparable plans

Lower reported administrative expense41st percentileTypical peer $184 · based on 1,443 comparable plans

This comparison uses historical filing figures. It does not compare current match formulas, vesting, investments, or employee fees.

The short version

What the latest filing tells us

For the plan year ended Dec 31, 2024, CAPITAL CREDIT UNION reported $1,243,256 in employer contributions across the plan and 444 active participants. That works out to $2,800 per active participant. It is useful context, but it is not the current match formula and it does not show what any one employee received.

Participation proxy70%

Active participants divided by all end-of-year plan participants. This is not the company participation rate because the filing does not report every eligible employee.

Employer money trendDown 5.3%

Change in reported employer contribution per active participant across the filing history shown.

Expense trendDown 8.9%

Change in reported administrative expense per participant. Investment expenses may not be included.

Peer context39/100

A filing comparison among similar-size plans in the same industry when enough peers exist.

Where the public filing stops

Current match, vesting, eligibility, employee fees, and investment choices require a dated plan document. Until we have one, those details stay blank.

Latest financial record

Contributions, assets, and expenses

These figures are reported totals for the plan—not individual account balances or promises to any employee.

Employer contributions: $1,243,256
Participant contributions: $1,856,675
Other contributions: $359,206
Employer share of reported contributions: 40.1%
Beginning assets: $29,853,499
Ending assets: $33,085,917
Ending net assets: $33,085,917
Ending liabilities: $0
Total income: $7,190,388
Total expenses: $3,957,970
Administrative expenses: $138,508
Participant loans: $383,778

Three-year filing history

How the reported figures changed

Each chart uses its own scale and starts at zero. When the filing has no value, the chart says so rather than turning it into a zero.

Employer contributions reported per active participant

2022

$2,957

2023

$3,256

2024

$2,800

Plan-paid administrative expenses per participant

2022

$243

2023

$225

2024

$221

Active participants

2022

436

2023

450

2024

444

Detailed filing history
Plan year	Per active participant	Active participants	Plan assets	Filing ID
2024	$2,800	444	33.1M	20251013104600NAL0000497891001
2023	$3,256	450	29.9M	20241015134738NAL0014751107001
2022	$2,957	436	25.5M	20231016155130NAL0025314979001

Changes in plan assets are not the same as investment performance. Each row uses the selected public filing for that year.

Plan operations

Details worth knowing

Participant loans as a share of plan assets: 1.2%
Independent accountant’s opinion: Unqualified opinion Code 1
Late participant contributions reported: Not stated in the filing
Public plan identifier: 390394240-033

Reported plan details

Identity and filing status

Plan type: Retirement plan
Employer arrangement: Single-employer plan
Plan effective date: Jan 1, 1983
Industry: Finance and insurance
Amended filing: No
Final filing for this plan: No
Short plan year: No
401(k) feature reported: Yes
Show DOL characteristic codes
2E2F2G2J2K2S2T3D

Reported service providers

Organizations named in the latest filing

The public dataset does not always identify a provider’s exact role. Compensation stays blank when it was not separately reported.

Provider	Plan year	Direct compensation	Indirect compensation
CMFG LIFE INSURANCE COMPANY	2024	Not reported	unknown

Current plan terms

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Filing ACK_ID20251013104600NAL0000497891001

Data sourceDOL Form 5500 bulk data ↗

Filing searchEFAST2 ↗