Retirement plan

UNIVERSITY OF KENTUCKY FEDERAL CREDIT UNION 401(K) RETIREMENT PLAN

Name: UNIVERSITY OF KENTUCKY FEDERAL CREDIT UNION - UNIVERSITY OF KENTUCKY FEDERAL CREDIT UNION 401(K) RETIREMENT PLAN (2018) Form 5500
Creator: UNIVERSITY OF KENTUCKY FEDERAL CREDIT UNION
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, UNIVERSITY OF KENTUCKY FEDERAL CREDIT UNION 401(K) RETIREMENT PLAN, UNIVERSITY OF KENTUCKY FEDERAL CREDIT UNION

UNIVERSITY OF KENTUCKY FEDERAL CREDIT UNIONEIN 61-6031223Plan #001PY 2018

1730 ALYSHEBA WAY - LEXINGTON, KY 40509859-264-4216

Prospect flagsNo flags tripped

Top hat statement on fileNQDC

Filed May 5, 2025 (most recent of 5 filings on file)

Plan administrator

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1730 Alysheba Way

Lexington, KY 40509

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Plans declared (1)

University of Kentucky Federal Credit Union 457(b) Plan19 emp

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Total assets (EOY)

$10.9M

+6.6% from 2017

Total participants

218

+10.7% from 2017

Average account balance

$51,171

-5.4% from 2017

Annual return

-1.21%

-20.77 pp from 2017

Benchmarks

See 1,738 peers

Peer group

Industry81 - Other Services (except Public Administration)

Plan typeDefined contribution

Participants100-249

Cohort1,738 peers

Snapshot2018

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

Analytics

Total assets (EOY)

Plan-year ending balance

$21.92M

Not enough data

1 years with asset history on file

Average account balance

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

$70K

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.

315

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.

95.9%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$2.59M

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

+15.32%

Not enough data

1 years with return on file

Admin fee / account holder

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

$228

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 1 by compensation

Provider	Service type	Compensation
WALSH ASSET MANAGEMENT, LLC4+ years Service code 61 3914 MIAMI ROAD · CINCINNATI, OH 452273745	Distribution (12b-1) fees; Finders' f...	$0

Plan features & details

Pension benefit codes2E2F2G2J2S2T3D

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.
2S
Automatic enrollment
Plan provides for automatic enrollment in plan that has elective contributions deducted from payroll.
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

0 tripped

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

Expense breakdown

Schedule H Part II

Admin total

$182

$1 / participant

Contract admin$182100.0%

% of EOY assets

0.002%

all-in expense ratio

Categories reported

1 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Disclaimer opinion

Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.

Auditor firm: MCM CPAS & ADVISORS LLP
Auditor EIN: 271235638
Audit fees: (not subdivided)
Opinion code: Disclaimer

Metric

This plan

Peer set

Industry

Size

Avg account balance

$51,171

$44,873+14.0%

$79,466-35.6%

$56,287-9.1%

Participation rate

97.3%

68.7%+28.5pp

73.3%+23.9pp

69.9%+27.4pp

Annual return

-1.21%

0.81%-2.0pp

718.28%-719.5pp

-9.96%+8.7pp

Employer contribution / active EE

$2,985

$2,140+39.5%

$2,800+6.6%

$2,111+41.4%

Participant deferral / active EE

$3,683

$2,746+34.1%

$3,704-0.6%

$3,350+9.9%

Admin fee / account holder

$418-99.8%

$5,104-100.0%

$521-99.8%

Provider

Service type

Compensation

WALSH ASSET MANAGEMENT, LLC4+ years

Service code 61

3914 MIAMI ROAD · CINCINNATI, OH 452273745

Distribution (12b-1) fees; Finders' f...

UNIVERSITY OF KENTUCKY FEDERAL CREDIT UNION 401(K) RETIREMENT 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

UNIVERSITY OF KENTUCKY FEDERAL CREDIT UNION 401(K) RETIREMENT 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