Retirement plan

IDAHO CENTRAL CREDIT UNION 401(K) PLAN

Name: IDAHO CENTRAL CREDIT UNION - IDAHO CENTRAL CREDIT UNION 401(K) PLAN (2021) Form 5500
Creator: IDAHO CENTRAL CREDIT UNION
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, IDAHO CENTRAL CREDIT UNION 401(K) PLAN, IDAHO CENTRAL CREDIT UNION

IDAHO CENTRAL CREDIT UNIONEIN 82-0217065Plan #002PY 2021

PO BOX 2469 - POCATELLO, ID 832062469208-239-3095

Other plans on this EIN

1 filing

#001Retirement-$52.6M assets

Prospect flagsLow assets / participant

Top hat statement on fileNQDC

Filed October 21, 2025 (most recent of 4 filings on file)

Plan administrator

Plan administrator name— Sign in and upgrade to view

4400 Central Way

Chubbuck, ID 83202

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Plans declared (1)

Retention Payment Plan3 emp

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Total assets (EOY)

$68.5M

+29.0% from 2020

Total participants

1,834

+27.4% from 2020

Average account balance

$39,549

+5.4% from 2020

Annual return

16.97%

-3.50 pp from 2020

Benchmarks

See 543 peers

Peer group

Industry52 - Finance and Insurance

Plan typeDefined contribution

Participants1,000-4,999

Cohort543 peers

Snapshot2021

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

Analytics

Total assets (EOY)

Plan-year ending balance

$99.50M

Not enough data

1 years with asset history on file

Average account balance

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

$42K

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.

2,348

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.

89.5%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$11.41M

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

+14.98%

Not enough data

1 years with return on file

Admin fee / account holder

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

$121

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 2 by compensation

Provider	Service type	Compensation
FIDELITY INVESTMENTS INSTITUTIONAL1 year Service code 37 · EIN 04-2647786	Loan Processing	$54,592
KESTRA INVESTMENT SERVICES LLC1 year Service code 27 · EIN 35-2552359	Advisory (Plan)	$42,712

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

1 tripped

OpportunityLow assets / participant
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.

Expense breakdown

Schedule H Part II

Admin total

$117K

$77 / participant

Investment mgmt$8100.7%
Other / not subdivided$116K99.3%

% of EOY assets

0.170%

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: POSTON DENNEY KILLPACK PLLC
Auditor EIN: 820486077
Audit fees: (not subdivided)
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$39,549

$118,337-66.6%

$189,545-79.1%

$93,010-57.5%

Participation rate

93.3%

89.1%+4.2pp

87.8%+5.5pp

73.9%+19.4pp

Annual return

16.97%

21.77%-4.8pp

555.36%-538.4pp

158.70%-141.7pp

Employer contribution / active EE

$1,537

$4,204-63.4%

$6,162-75.1%

$2,705-43.2%

Participant deferral / active EE

$4,427

$7,123-37.9%

$8,220-46.2%

$4,561-2.9%

Admin fee / account holder

$67

$100-32.4%

$12,049-99.4%

$152-55.6%

Provider

Service type

Compensation

FIDELITY INVESTMENTS INSTITUTIONAL1 year

Service code 37 · EIN 04-2647786

Loan Processing

$54,592

KESTRA INVESTMENT SERVICES LLC1 year

Service code 27 · EIN 35-2552359

Advisory (Plan)

$42,712

IDAHO CENTRAL CREDIT UNION 401(K) 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

IDAHO CENTRAL CREDIT UNION 401(K) 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