Department of Labor filing
Spot something wrong?FIRSTENERGY FAMILY CREDIT UNION, INC.
FIRSTENERGY FAMILY CREDIT UNION, INC. 401(K) PLAN AND TRUST · For the plan year ended Dec 31, 2025
Public filing 2025 · received May 5, 2026Verified current terms Source dated Dec 31, 2025
Plan summary
What matters most
This plan has a competitive employer match and vesting that still needs verification. Reported employer contributions also rank above most comparable plans.
61Fair plan health
high confidence
high confidence
86%current benefits covered
6 of 7 fields
6 of 7 fields
See what drives the plan health score
Published only when at least four measures and half of the model weight are available. Missing information is excluded rather than scored as zero.
FirstEnergy generally matches 50% of employee contributions up to 6% of eligible pay.
See reviewed source ↓At $100,000 of eligible pay, after contributing 6% to capture the full amount. Annual limits and eligibility rules may reduce it.
Participant accounts can bear applicable administrative, investment, and brokerage expenses.
The plan offers target-date funds, fifteen core investment options, company stock, and a self-managed brokerage account.
Most full-time and part-time employees of participating FirstEnergy subsidiaries are eligible; union participation depends on the applicable agreement.
New employees are generally enrolled at 6% of pay.
Available. Employees may make pre-tax, Roth, and traditional after-tax contributions.
Up 0.0% over the filing history shown.
Participation up 0.0% · assets up 0.0%
How the score works →What still needs verification
vesting. These items stay out of the summary until a dated source confirms them.
What this tells you: company-wide scale, reported employer support, participation activity, visible administrative cost, and historical direction.
Keep in mind: public filings do not show employee investment returns. Scores use only available measures; missing information lowers confidence, never the score. Reviewed current terms appear below.
Filing comparison · 202559out of 100 among similar-size plans in the same industry when enough peers exist
How this filing compares
Reported employer contributions84th percentileTypical peer $3,117 · based on 21,825 comparable plans
Lower reported administrative expense0th percentileTypical peer $105 · based on 18,019 comparable plans
This comparison uses historical filing figures. It does not compare current match formulas, vesting, investments, or employee fees.
Peer-group method: industry size. The comparison used the most specific peer group with enough valid filings.
The short version
What employees should know
For the year ended Dec 31, 2025, FIRSTENERGY FAMILY CREDIT UNION, INC. reported $41,692 in employer contributions across this plan, or $10,423 per active participant. This is the best company-wide filing average available—not a promise of what any one employee receives.
Up 0.0% across the filing years shown. The filing does not report every employee who was eligible.
Change in employer contributions per active participant.
Change in reported administrative cost per participant. Fund expenses may be separate.
Compared with similarly sized plans in the same industry.
Money and scale
Contributions, assets, and expenses
These are plan-wide totals. They are not individual account balances.
- Employer contributions
- $41,692 $10,423 per active participant
- Participant contributions
- $52,099
- Other contributions
- $0 Amounts not classified as employer or participant contributions
- Employer share of contributions
- 44.5%
- Active participants
- 4 Small plan
- Total participants
- 4 5 at the beginning of the year
- Ending assets
- $4,682,592 $1,170,648 per participant
- Net-asset change
- Up 0.0% Not the same as investment performance
- Beginning net assets
- $4,503,728
- Ending net assets
- $4,682,592
- Beginning liabilities
- $0
- Ending liabilities
- $0
- Total income
- $474,067
- Total expenses
- $295,203
- Administrative expenses
- $25,710 $6,428 per active participant
- Participant loans
- Not reported Not reported of plan assets
Three-year filing history
How the reported figures changed
Each chart uses the selected public filing for that year. Missing values remain blank rather than becoming zero.
2025
$10,423
2025
$6,428
2025
4
2025
$4,682,592
2025
Not reported
| Plan year | Employer money per active participant | Active participants | Plan assets |
|---|---|---|---|
| 2025 | $10,423 | 4 | 4.7M |
Changes in plan assets are not the same as investment performance.
Plan health
Operational signals worth checking
- Participant loans as a share of plan assets
- Not reported
- Independent accountant’s opinion
- Not stated in the filing
- Late participant contributions reported
- Not reportedA “yes” needs context and is not, by itself, proof of wrongdoing.
- Loan defaults reported
- Not reported
- Lease defaults reported
- Not reportedOnly a small number of filings report these events.
- Nonexempt transactions reported
- Not reported
- Public plan identifier
- 340058415-001
Reported plan details
Identity and filing status
- Plan type
- Retirement plan
- Employer arrangement
- 1
- Plan effective date
- Aug 1, 1990
- 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
2A2E2F2G2J2K2T3D
Company filings
What the company has told the SEC about this plan
We found these passages in official company filings. They may help explain the plan, but we do not treat them as current benefits until the wording and date have been checked.
11-K · report period Dec 31, 2025FIRSTENERGY CORP — 11-K filed 2026-06-26 ↗
Official filing · details not yet checkedWhat it says about employer contributions
Unless otherwise provided in a collective bargaining agreement, FE makes a matching contribution of 50 % on the first 6 % of eligible compensation contributed by an employee. All employer matching contributions are provided as shares in FE common stock, except for certain IBEW Local 777 participants whose matching contributions are made in cash. Catch-up contributions are not eligible for matching contributions. The number of shares of FE common stock contributed to each participant is based on the market price of FE common stock as of the end of each pay period. Plan participants may diversify matching contributions held in FE common stock at any time, subject to certain limitations. Participant Accounts Individual accounts are maintained for each Plan participant. Each participant’s acc
What it says about automatic enrollment
nion may participate to the extent permitted by their respective collective bargaining agreement. Unless otherwise provided in a collective bargaining agreement, new employees are automatically enrolled in the Plan with a deemed election to contribute, on a pre-tax basis, 6 % of eligible earnings for each payroll period with automatic increases of 1 % each April until the employee contribution rate reaches 10 %. Automatic enrollment and annual increases can be changed by Plan participants at any time. Plan participants who do not make an affirmative election as to the investment of his or her contributions shall have his or her contributions invested in the age appropriate LifePath Portfolio Fund made available to all Plan participants. A LifePath Portfolio Fund is an investment alternativ
What it says about fees
es receivable from participants 58,601,839 56,461,860 Due from brokers 405,358 582,369 Total receivables 59,841,463 57,840,542 Total assets 4,224,641,028 3,921,527,319 Liabilities Administrative expenses payable 438,761 456,062 Due to brokers 696,846 2,306,444 Total liabilities 1,135,607 2,762,506 Net assets available for benefits $ 4,223,505,421 $ 3,918,764,813 The accompanying notes are an integral part of these financial statements. 3 FirstEnergy Corp. Savings Plan Statement of Changes in Net Assets Available for Benefits ___________________________________________________________________________________________________________________________________ For the Year Ended December 31, 2025 Additions: Contributions: Employer $ 40,249,813 Participant 159,459,017 Total contributions 199,708,
Verified plan terms
What dated primary sources say
These terms come from reviewed official sources. Blank items remain unknown rather than inferred.
- Employer contribution
- FirstEnergy generally matches 50% of employee contributions up to 6% of eligible pay. Contributing 6% therefore earns a maximum match equal to 3% of pay; collective bargaining terms can differ.
- Eligibility
- Most full-time and part-time employees of participating FirstEnergy subsidiaries are eligible; union participation depends on the applicable agreement.
- Vesting
- Not stated in these sources
- Investment information
- The plan offers target-date funds, fifteen core investment options, company stock, and a self-managed brokerage account. Employees who make no choice default into an age-appropriate LifePath fund.
- Automatic enrollment
- New employees are generally enrolled at 6% of pay. Their rate rises by 1 percentage point each April until reaching 10%, unless changed.
- Roth contributions
- Available. Employees may make pre-tax, Roth, and traditional after-tax contributions.
- Participant fees
- Participant accounts can bear applicable administrative, investment, and brokerage expenses. The filing does not state one universal employee fee.
Source: FirstEnergy Corp. Savings Plan — 2025 Form 11-K ↗ · dated Dec 31, 2025
Filing evidence
Open the selected public records
We use the latest valid received filing for each year after resolving amendments and duplicate records. Open the source to check the original filing.
Filing ACK_ID20260505101628NAL0001150128001
Data sourceDOL Form 5500 bulk data ↗
Filing searchEFAST2 ↗