Department of Labor filing

PATELCO CREDIT UNION

PATELCO CREDIT UNION EMPLOYEES 401(K) PLAN · For the plan year ended Dec 31, 2024

Public filing 2024 · received Oct 14, 2025Verified current terms Not available

Plan at a glance

How good does the filing look?

63filing comparison
out of 100

The filing looks somewhat better than typical peers on the measures we can compare. This is a filing comparison, not a complete benefits score.

$Employer support

$6,424

Reported employer contributions per active participant.

Higher than about 88% of comparable plans

#People in the filing

846

Active participants reported for 2024.

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

¢Visible plan-paid fees

$269 / participant

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

Lower cost than about 3% of comparable plans

↗Investment performance

Not available

Plan assets changed 19.2%, 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 · 202463out of 100 among similar-size plans in the same industry when enough peers exist

How this filing compares

Reported employer contributions88th percentileTypical peer $3,392 · based on 369 comparable plans

Lower reported administrative expense3rd 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, PATELCO CREDIT UNION reported $5,434,415 in employer contributions across the plan and 846 active participants. That works out to $6,424 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 proxy99%

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 16.4%

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

Expense trendUp 30.4%

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

Peer context63/100

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: $5,434,415
Participant contributions: $6,794,474
Other contributions: $1,197,539
Employer share of reported contributions: 44.4%
Beginning assets: $107,174,755
Ending assets: $127,741,537
Ending net assets: $127,741,537
Ending liabilities: $0
Total income: $28,466,578
Total expenses: $7,899,796
Administrative expenses: $399,011
Participant loans: $2,554,918

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

$5,517

2023

$6,521

2024

$6,424

Plan-paid administrative expenses per participant

2022

$206

2023

$218

2024

$269

Active participants

2022

846

2023

861

2024

846

Detailed filing history
Plan year	Per active participant	Active participants	Plan assets	Filing ID
2024	$6,424	846	127.7M	20251014212124NAL0007414098001
2023	$6,521	861	107.2M	20241010175013NAL0020645953001
2022	$5,517	846	87.5M	20231019153319NAL0000676643001

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: 2.0%
Independent accountant’s opinion: Unqualified opinion Code 1
Late participant contributions reported: Not stated in the filing
Public plan identifier: 940755684-003

Reported plan details

Identity and filing status

Plan type: Retirement plan
Employer arrangement: Single-employer plan
Plan effective date: Jan 1, 1986
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_ID20251014212124NAL0007414098001

Data sourceDOL Form 5500 bulk data ↗

Filing searchEFAST2 ↗