Department of Labor filing

TOGETHER CREDIT UNION

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

Public filing 2024 · received Jul 31, 2025Verified current terms Not available

Plan at a glance

How good does the filing look?

74filing 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

$4,696

Reported employer contributions per active participant.

Higher than about 74% of comparable plans

#People in the filing

423

Active participants reported for 2024.

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

¢Visible plan-paid fees

$78 / participant

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

Lower cost than about 75% of comparable plans

↗Investment performance

Not available

Plan assets changed 8.9%, 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 · 202474out of 100 among similar-size plans in the same industry when enough peers exist

How this filing compares

Reported employer contributions74th percentileTypical peer $3,279 · based on 1,427 comparable plans

Lower reported administrative expense75th 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, TOGETHER CREDIT UNION reported $1,986,377 in employer contributions across the plan and 423 active participants. That works out to $4,696 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 trendUp 7.4%

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

Expense trendDown 18.9%

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

Peer context74/100

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: $1,986,377
Participant contributions: $2,113,269
Other contributions: $690,019
Employer share of reported contributions: 48.5%
Beginning assets: $48,080,299
Ending assets: $52,358,689
Ending net assets: $52,358,689
Ending liabilities: $0
Total income: $11,635,699
Total expenses: $7,357,309
Administrative expenses: $45,549
Participant loans: $858,433

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

$4,373

2023

$4,923

2024

$4,696

Plan-paid administrative expenses per participant

2022

$97

2023

$60

2024

$78

Active participants

2022

433

2023

405

2024

423

Detailed filing history
Plan year	Per active participant	Active participants	Plan assets	Filing ID
2024	$4,696	423	52.4M	20250731150109NAL0002662403001
2023	$4,923	405	48.1M	20241014102112NAL0013123363001
2022	$4,373	433	42.6M	20231013141858NAL0022058947001

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: 1.6%
Independent accountant’s opinion: Unqualified opinion Code 1
Late participant contributions reported: Not stated in the filing
Public plan identifier: 430160998-002

Reported plan details

Identity and filing status

Plan type: Retirement plan
Employer arrangement: Single-employer plan
Plan effective date: Jan 1, 1998
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
2A2E2F2G2J2K2S2T

Current plan terms

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Filing ACK_ID20250731150109NAL0002662403001

Data sourceDOL Form 5500 bulk data ↗

Filing searchEFAST2 ↗