Retirement plan

INSPIRUS CREDIT UNION 401(K) PLAN

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

GESA CREDIT UNIONEIN 91-0616262Plan #003PY 2021

51 GAGE BLVD - RICHLAND, WA 99352509-378-3100gesa.comLinkedIn501-1000 employeesfinancial services

Other plans on this EIN

2 filings

#002Retirement-$26.0M assets #001Retirement-$19.7M assets

Prospect flagsFailed to provide benefit

Top hat statement on fileNQDC

Filed January 26, 2026 (most recent of 12 filings on file)

Plan administrator

Plan administrator name— Sign in and upgrade to view

Attn: Cheryl Adamson, P.O. Box 500

Richland, WA 99352

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Plans declared (17)

Gesa Credit Union Deferred Compensation Plan1 emp
Gesa Credit Union Deferred Compensation Plan1 emp
Gesa Credit Union Deferred Compensation Plan1 emp
Gesa Credit Union Deferred Compensation Plan1 emp
Gesa Credit Union Deferred Compensation Plan1 emp
+12 more

Total covered: 36 employees

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Total assets (EOY)

$34.2M

+2.9% from 2020

Total participants

140

-17.2% from 2020

Average account balance

$247,839

+23.0% from 2020

Annual return

14.02%

-2.83 pp from 2020

Benchmarks

See 7,182 peers

Peer group

Industry52 - Finance and Insurance

Plan typeDefined contribution

Participants25-99

Cohort7,182 peers

Snapshot2021

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

Analytics

Total assets (EOY)

Plan-year ending balance

$27.83M

Not enough data

1 years with asset history on file

Average account balance

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

$303K

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.

98.0%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$649K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$13K

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

+15.46%

Not enough data

1 years with return on file

Admin fee / account holder

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

$119

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 INSTITUTIONAL2+ years Service code 37 · EIN 04-2647786	Loan Processing	$23,886
STRATEGIC ADVISORS, INC.1 year Service code 27 · EIN 04-2654524	Advisory (Plan)	$6,296

Plan features & details

Pension benefit codes2E2F2G2J2K2R2T3D

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.
2R
Participant-directed brokerage accounts
Participant-directed brokerage accounts provided as an investment option under the plan.
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

ComplianceFailed to provide benefit
Form 5500 reported that benefits due were not provided when due.

Expense breakdown

Schedule H Part II

Admin total

$30K

$351 / participant

Investment mgmt$6K20.9%
Other / not subdivided$24K79.1%

% of EOY assets

0.088%

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: CLIFTONLARSONALLEN LLP
Auditor EIN: 410746749
Audit fees: (not subdivided)
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$247,839

$137,414+80.4%

$189,537+30.8%

$85,847+188.7%

Participation rate

97.7%

84.6%+13.1pp

87.8%+9.9pp

69.3%+28.4pp

Annual return

14.02%

38.14%-24.1pp

555.34%-541.3pp

318.61%-304.6pp

Employer contribution / active EE

$8,133

$4,344+87.2%

$6,161+32.0%

$2,565+217.0%

Participant deferral / active EE

$7,047

$6,260+12.6%

$8,220-14.3%

$3,952+78.3%

Admin fee / account holder

$219

$8,630-97.5%

$12,048-98.2%

$6,261-96.5%

Provider

Service type

Compensation

FIDELITY INVESTMENTS INSTITUTIONAL2+ years

Service code 37 · EIN 04-2647786

Loan Processing

$23,886

STRATEGIC ADVISORS, INC.1 year

Service code 27 · EIN 04-2654524

Advisory (Plan)

$6,296

INSPIRUS CREDIT UNION 401(K) PLAN

Top hat statement on fileNQDC

Plan administrator

Plans declared (17)

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

INSPIRUS CREDIT UNION 401(K) PLAN

Top hat statement on fileNQDC

Plan administrator

Plans declared (17)

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