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 (2020) 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 2020

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)

$17M

+19.7% from 2019

Total participants

245

+8.9% from 2019

Average account balance

$71,122

+12.1% from 2019

Annual return

17.37%

-10.55 pp from 2019

Benchmarks

See 2,211 peers

Peer group

Industry52 - Finance and Insurance

Plan typeDefined contribution

Participants100-249

Cohort2,211 peers

Snapshot2020

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

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

Service providers

Top 2 by compensation

Provider	Service type	Compensation
ARGI INVESTMENT SERVICES LLC2 years Filed as: ARGI INVESTMENT SERVICES Service code 61 2201 HIGH WICKMAN PL · LOUISVILLE, KY 40245	Distribution (12b-1) fees; Finders' f...	$42,150
NEWPORT GROUP, INC.5 years Service code 14 · EIN 27-2037969	Plan Administrator	$7,888

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

$50K

$248 / participant

Investment mgmt$42K84.2%
Contract admin$8K15.8%

% of EOY assets

0.294%

all-in expense ratio

Categories reported

2 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

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

Metric

This plan

Peer set

Industry

Size

Avg account balance

$71,122

$136,307-47.8%

$177,840-60.0%

$73,493-3.2%

Participation rate

97.0%

86.1%+10.9pp

87.7%+9.3pp

70.7%+26.3pp

Annual return

17.37%

18.68%-1.3pp

48.32%-31.0pp

28.51%-11.1pp

Employer contribution / active EE

$3,660

$3,712-1.4%

$5,919-38.2%

$2,270+61.2%

Participant deferral / active EE

$4,648

$5,829-20.3%

$7,714-39.7%

$3,740+24.3%

Admin fee / account holder

$209

$596-64.8%

$12,431-98.3%

$513-59.2%

Provider

Service type

Compensation

ARGI INVESTMENT SERVICES LLC2 years

Filed as: ARGI INVESTMENT SERVICES

Service code 61

2201 HIGH WICKMAN PL · LOUISVILLE, KY 40245

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

$42,150

NEWPORT GROUP, INC.5 years

Service code 14 · EIN 27-2037969

Plan Administrator

$7,888

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