Plan Snapshot
- Plan Sponsor: Alloya Corporate Federal Credit Union
- Sponsor EIN: 452090875
- Sponsor Address: 184 SHUMAN BOULEVARD, NAPERVILLE, IL, 60563
- Plan Type: 401(k)
- Plan Number: 003
- Total Participants: 316
- Total Assets: $83.0M
Key Plan Design Features
- Auto-Enrollment: Yes
- Auto-Escalation: No
- Allows Roth Contributions: No
- Participant Loans: No
- Participant-Directed Investments: Yes
- ERISA Section 404(c) Fiduciary Safe Harbor: Yes
Plan Financials by Year
| Year | Participants | Total Assets | Employer Contrib. | Employee Contrib. |
|---|---|---|---|---|
| 2025 | 316 | $83.0M | $0 | $0 |
| 2024 | 202 | $74.6M | $1.8M | $2.9M |
| 2023 | 190 | $66.0M | $1.6M | $2.4M |
| 2022 | 165 | $56.0M | $1.4M | $2.0M |
Service Providers (Schedule C)
Vendors paid $5,000 or more for services to the plan, ranked by total compensation (direct + indirect fees).
| Provider Name | Role | Direct Compensation | Indirect Compensation | Total Fees |
|---|---|---|---|---|
| CERITY PARTNERS RETIREMENT PLAN | Investment Advisor | $53,154 | — | $53,154 |
| FIDELITY INVESTMENTS INSTITUTIONAL | Recordkeeper | $45,943 | — | $45,943 |
| STRATEGIC ADVISORS, INC. | Investment Advisor | $14,934 | — | $14,934 |
Plan Fees & Expenses
Annual service provider fees and administrative expenses sourced from DOL Form 5500 filings.
- Total Service Provider Fees: $114,031
- Estimated Expense Ratio: 0.137% of plan assets
Historical Administrative Expenses
Breakdown of administrative expense categories reported on Form 5500 filings.
| Year | Total Admin Expenses | Investment Mgmt Fees | Contract Admin Fees | IQPA Audit Fees | Professional Fees |
|---|---|---|---|---|---|
| 2025 | $9,184,789 | $68,088 | $300 | — | — |
| 2024 | $104,779 | $63,848 | — | — | — |
| 2023 | $99,355 | $59,849 | $300 | — | — |
| 2022 | $98,549 | $8,588 | — | — | — |