Retirement plan

TELHIO CREDIT UNION, INC. RETIREMENT SAVINGS PLAN

Name: TELHIO CREDIT UNION. INC. - TELHIO CREDIT UNION, INC. RETIREMENT SAVINGS PLAN (2023) Form 5500
Creator: TELHIO CREDIT UNION. INC.
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, TELHIO CREDIT UNION, INC. RETIREMENT SAVINGS PLAN, TELHIO CREDIT UNION. INC.

TELHIO CREDIT UNION. INC.EIN 31-4154280Plan #002PY 2023

330 RUSH ALLEY, STE 500 - COLUMBUS, OH 43215614-221-3233telhio.orgLinkedIn201-500 employeesbanking

Prospect flagsNo flags tripped

Top hat statement on fileNQDC

Filed April 17, 2025 (most recent of 2 filings on file)

Plan administrator

Plan administrator name— Sign in and upgrade to view

330 Rush Alley, Suite 500

Columbus, OH 43215

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Plans declared (1)

Telhio Credit Union 457(b) Plan269 emp

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Total assets (EOY)

$19.7M

+17.7% from 2022

Total participants

261

-17.1% from 2022

Average account balance

$76,068

+16.7% from 2022

Annual return

15.36%

+30.27 pp from 2022

Benchmarks

See 2,152 peers

Peer group

Industry52 - Finance and Insurance

Plan typeDefined contribution

Participants100-249

Cohort2,152 peers

Snapshot2023

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

Analytics

Total assets (EOY)

Plan-year ending balance

$19.55M

Not enough data

1 years with asset history on file

Average account balance

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

$66K

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.

295

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.

79.0%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$2.25M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$8K

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

+12.49%

Not enough data

1 years with return on file

Admin fee / account holder

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

$53

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

1 years with F_SCH_H allocation on file

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Service providers

Top 4 by compensation

Provider	Service type	Compensation
UBS FINANCIAL SERVICES INC6 years Filed as: UBS FINANCIAL SERVICES, INC. Service code 99 · EIN 13-2638166	Other Fees	$45,015
TRINITY PENSION CONSULTANTS7 years Service code 49 · EIN 20-4548831 202 MONTROSE WEST AVE STE 290 · COPLEY, OH 44321	Other Services	$8,852
HAMMERMAN, GRAF, HUGHES & CO.3 years Filed as: HAMMERMAN, GRAF, HUGHES Service code 99 · EIN 11-1000111	Other Fees	$5,995
VOYA RETIREMENT INSURANCE & ANNUITY2 years Filed as: VOYA RETIREMENT INSURANCE AND ANNUI Service code 64 · EIN 71-0294708	Recordkeeping Fees	$605

Plan features & details

Pension benefit codes2E2G2J2K3D2F

Plan features

2E
Profit-sharing
Profit-sharing plan.
2F
ERISA section 404(c) plan
This plan or any part of it is intended to meet the conditions of 29 CFR 2550.404c-1 (shifting investment responsibility to participants).
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.
2K
Code section 401(m) arrangement
Employee contributions are allocated to separate accounts under the plan or employer contributions are based in whole or in part on employee deferrals or contributions to the plan. Not applicable to 401(k) plans with only QNECs and/or QMACs or to 403(b)(1) 403(b)(7) or 408 arrangements.
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

0 tripped

No flags tripped for this filing year. This plan looks clean.

Expense breakdown

Schedule H Part II

Admin total

$20K

$98 / participant

Contract admin$20K100.0%

% of EOY assets

0.099%

all-in expense ratio

Categories reported

1 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

Auditor firm: HAMMERMAN, GRAF, HUGHES & CO.
Auditor EIN: 311183837
Audit fees: (not subdivided)
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$76,068

$130,294-41.6%

$170,043-55.3%

$71,511+6.4%

Participation rate

99.0%

86.2%+12.8pp

87.0%+12.0pp

67.9%+31.1pp

Annual return

15.36%

20.36%-5.0pp

53.40%-38.0pp

28.86%-13.5pp

Employer contribution / active EE

$4,231

$4,385-3.5%

$6,790-37.7%

$2,589+63.4%

Participant deferral / active EE

$5,853

$6,928-15.5%

$10,410-43.8%

$4,291+36.4%

Admin fee / account holder

$76

$966-92.2%

$12,824-99.4%

$1,588-95.2%

Provider

Service type

Compensation

UBS FINANCIAL SERVICES INC6 years

Filed as: UBS FINANCIAL SERVICES, INC.

Service code 99 · EIN 13-2638166

Other Fees

$45,015

TRINITY PENSION CONSULTANTS7 years

Service code 49 · EIN 20-4548831

202 MONTROSE WEST AVE STE 290 · COPLEY, OH 44321

Other Services

$8,852

HAMMERMAN, GRAF, HUGHES & CO.3 years

Filed as: HAMMERMAN, GRAF, HUGHES

Service code 99 · EIN 11-1000111

Other Fees

$5,995

VOYA RETIREMENT INSURANCE & ANNUITY2 years

Filed as: VOYA RETIREMENT INSURANCE AND ANNUI

Service code 64 · EIN 71-0294708

Recordkeeping Fees

$605

TELHIO CREDIT UNION, INC. RETIREMENT SAVINGS PLAN

Top hat statement on fileNQDC

Plan administrator

Plans declared (1)

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

TELHIO CREDIT UNION, INC. RETIREMENT SAVINGS PLAN

Top hat statement on fileNQDC

Plan administrator

Plans declared (1)

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