Retirement plan

RIVER VALLEY CREDIT UNION, INC. 401(K) PLAN

Name: RIVER VALLEY CREDIT UNION, INC. - RIVER VALLEY CREDIT UNION, INC. 401(K) PLAN (2025) Form 5500
Creator: RIVER VALLEY CREDIT UNION, INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, RIVER VALLEY CREDIT UNION, INC. 401(K) PLAN, RIVER VALLEY CREDIT UNION, INC.

RIVER VALLEY CREDIT UNION, INC.EIN 31-0547898Plan #001PY 2025

505 EARL BOULEVARD - MIAMISBURG, OH 45342937-741-7194rivervalleycu.orgLinkedIn51-200 employeesbanking

Prospect flagsLow returnsHigh fees

How to read this page

Total assets (EOY)

$7.6M

-13.3% from 2024

Total participants

-11.0% from 2024

Average account balance

$93,336

-2.6% from 2024

Annual return

12.05%

+0.14 pp from 2024

Benchmarks

See 2,730 peers

Peer group

Industry52 - Finance and Insurance

Plan typeDefined contribution

Participants25-99

Cohort2,730 peers

Snapshot2025

Free accounts unlock saves, downloads, and 3-year history.

Analytics

Total assets (EOY)

Plan-year ending balance

$7.56M

Not enough data

1 years with asset history on file

Average account balance

Total assets / participants with a balance (line 6g)

$93K

Not enough data

1 years with per-participant data

Participants with account balance

Stacked by status: active / separated vested / retired or beneficiary. Total = line 6g.

Not enough data

1 years with headcount on file

Eligible Participants and Participation

Bars: eligible actives (line 6a). Line: derived rate = active employees with a balance / 6a.

126.6%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$654K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$10K

Not enough data

1 years with per-participant contribution data

Asset flow

BOY + contributions + return - distributions = EOY

Year

Annual return

Diverging bars; negative years highlighted

+12.05%

Not enough data

1 years with return on file

Admin fee / account holder

Total admin expenses / participants with a balance (line 6g)

$35417

Not enough data

1 years with admin cost on file

Asset composition

Cash / stocks / bonds / mutual funds / real estate / loans over time

Not enough data

0 years with F_SCH_H allocation on file

Free accounts unlock saves, downloads, and 3-year history.

Service providers

Providers data not reported

Schedule C was not filed on this plan's most recent Form 5500, so no compensated service providers are available to display.

Plan features & details

Pension benefit codes2E2G2J3D

Plan features

2E
Profit-sharing
Profit-sharing plan.
2G
Total participant-directed account plan
Participants have the opportunity to direct the investment of all of the assets allocated to their individual accounts regardless of whether 29 CFR 2550.404c-1 is intended to be met.
2J
Code section 401(k) feature
Cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan under which employees may elect to defer part of their compensation or receive these amounts in cash.
3D
Pre-approved pension plan
A master prototype or volume submitter plan that is the subject of a favorable opinion or advisory letter from the IRS.

Opportunity flags

2 tripped

OpportunityHigh fees
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
OpportunityLow returns
Annual investment return is in the bottom quintile of the peer cohort.

Expense breakdown

Schedule H Part II

Admin total

$2.9M

$44824 / participant

Other / not subdivided$3M100.0%

% of EOY assets

37.945%

all-in expense ratio

Categories reported

0 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

No opinion code on file for this filing.

Auditor firm: (not reported)
Auditor EIN: -
Audit fees: (not subdivided)
Opinion code: -

Metric

This plan

Peer set

Industry

Size

Avg account balance

$93,336

$145,431-35.8%

$211,142-55.8%

$87,485+6.7%

Participation rate

100.0%

84.7%+15.3pp

87.3%+12.7pp

68.9%+31.1pp

Annual return

12.05%

27.21%-15.2pp

46.84%-34.8pp

26.06%-14.0pp

Employer contribution / active EE

$6,683

$4,662+43.4%

$6,442+3.7%

$2,596+157.4%

Participant deferral / active EE

$3,532

$6,859-48.5%

$9,284-62.0%

$4,274-17.4%

Admin fee / account holder

$35,417

$17,052+107.7%

$19,076+85.7%

$7,775+355.5%

RIVER VALLEY CREDIT UNION, INC. 401(K) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

RIVER VALLEY CREDIT UNION, INC. 401(K) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

Benchmarks

Service providers

Opportunity flags

Expense breakdown

Audit opinion

Benchmarks

Service providers

Opportunity flags

Expense breakdown

Audit opinion