Retirement plan

FARGO PUBLIC SCHOOLS FEDERAL CREDIT UNION BASIC 401(K) PLAN AND TRUST

Name: FARGO PUBLIC SCHOOLS FEDERAL CREDIT UNION - FARGO PUBLIC SCHOOLS FEDERAL CREDIT UNION BASIC 401(K) PLAN AND TRUST (2025) Form 5500
Creator: FARGO PUBLIC SCHOOLS FEDERAL CREDIT UNION
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, FARGO PUBLIC SCHOOLS FEDERAL CREDIT UNION BASIC 401(K) PLAN AND TRUST, FARGO PUBLIC SCHOOLS FEDERAL CREDIT UNION

FARGO PUBLIC SCHOOLS FEDERAL CREDIT UNIONEIN 45-0241342Plan #001PY 2025

1609 32ND AVE S - FARGO, ND 581035988701-241-4770linktr.ee/fpsfcuLinkedIn1-10 employeesbanking

Prospect flagsLow returnsHigh feesLow participant contribution

How to read this page

Total assets (EOY)

$437K

-47.4% from 2024

Total participants

0.0% from 2024

Average account balance

$31,198

-43.6% from 2024

Annual return

2.22%

-2.21 pp from 2024

Benchmarks

See 17,871 peers

Peer group

Industry52 - Finance and Insurance

Plan typeDefined contribution

Participants<25

Cohort17,871 peers

Snapshot2025

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

Analytics

Total assets (EOY)

Plan-year ending balance

$437K

Not enough data

1 years with asset history on file

Average account balance

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

$31K

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.

233.3%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$34K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$6K

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

+2.22%

Not enough data

1 years with return on file

Admin fee / account holder

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

$31883

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 codes2F2G2T2J3D2E

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.
2T
Default investment account
Total or partial participant-directed account plan where plan uses a default investment account for participants who fail to direct assets in their account.
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

3 tripped

OpportunityLow participant contribution
Participant contribution per participant is in the bottom quintile of the peer cohort.
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

$446K

$74394 / participant

Other / not subdivided$446K100.0%

% of EOY assets

102.197%

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

$31,198

$223,823-86.1%

$211,142-85.2%

$154,746-79.8%

Participation rate

83.3%

87.9%-4.5pp

87.3%-4.0pp

80.7%+2.6pp

Annual return

2.22%

50.39%-48.2pp

46.84%-44.6pp

172.34%-170.1pp

Employer contribution / active EE

$4,282

$6,787-36.9%

$6,442-33.5%

$4,379-2.2%

Participant deferral / active EE

$1,431

$9,750-85.3%

$9,284-84.6%

$6,730-78.7%

Admin fee / account holder

$31,883

$19,707+61.8%

$19,076+67.1%

$14,365+121.9%

FARGO PUBLIC SCHOOLS FEDERAL CREDIT UNION BASIC 401(K) PLAN AND TRUST

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

FARGO PUBLIC SCHOOLS FEDERAL CREDIT UNION BASIC 401(K) PLAN AND TRUST

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