Department of Labor filing

FAIRWINDS CREDIT UNION

FAIRWINDS CREDIT UNION RETIREMENT SAVINGS PLAN · For the plan year ended Dec 31, 2024

Spot something wrong?

Public filing 2024 · received Oct 8, 2025Verified current terms Not available

Plan at a glance

How good does the filing look?

48filing comparison
out of 100

The filing looks broadly typical among comparable plans. This is a filing comparison, not a complete benefits score.

$Employer support

$4,220

Reported employer contributions per active participant.

Higher than about 66% of comparable plans

#People in the filing

595

Active participants reported for 2024.

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

¢Visible plan-paid fees

$244 / participant

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

Lower cost than about 6% of comparable plans

↗Investment performance

Not available

Plan assets changed 18.9%, 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 · 202448out of 100 among similar-size plans in the same industry when enough peers exist

How this filing compares

Reported employer contributions66th percentileTypical peer $3,392 · based on 369 comparable plans

Lower reported administrative expense6th percentileTypical peer $115 · based on 372 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, FAIRWINDS CREDIT UNION reported $2,510,860 in employer contributions across the plan and 595 active participants. That works out to $4,220 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 proxy80%

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 trendUp 10.7%

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

Expense trendUp 477.3%

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

Peer context48/100

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: $2,510,860
Participant contributions: $4,257,242
Other contributions: $530,575
Employer share of reported contributions: 37.1%
Beginning assets: $76,709,453
Ending assets: $91,188,111
Ending net assets: $91,187,974
Ending liabilities: $137
Total income: $20,828,571
Total expenses: $6,350,040
Administrative expenses: $182,163
Participant loans: $1,074,563

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

$3,811

2023

$4,489

2024

$4,220

Plan-paid administrative expenses per participant

2022

-$65

2023

$78

2024

$244

Active participants

2022

572

2023

575

2024

595

Detailed filing history
Plan year	Per active participant	Active participants	Plan assets	Filing ID
2024	$4,220	595	91.2M	20251008113311NAL0009665344001
2023	$4,489	575	76.7M	20241011142300NAL0012588851001
2022	$3,811	572	61.7M	20231011161320NAL0060899698001

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: 111644012-001

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: Yes
Final filing for this plan: No
Short plan year: No
401(k) feature reported: Yes
Show DOL characteristic codes
2E2F2G2J2K2S2T3D2R

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
FIDELITY INVESTMENTS INSTITUTIONAL	2024	Not reported	unknown

Current plan terms

Help fill the gap the filing leaves.

If you have a current SPD, fee disclosure, or enrollment guide, you can share it with us. We check the source and date before adding anything to the profile.

Share a document →

Filing ACK_ID20251008113311NAL0009665344001

Data sourceDOL Form 5500 bulk data ↗

Filing searchEFAST2 ↗