# Clearwater Federal Credit Union 401(k) Plan
Source: https://planprovider.pro/companies/clearwater-federal-credit-union-401k-plan

> Clearwater Federal Credit Union's 401(k) plan: 170 participants, plan year 2024 financials, providers, and benchmarks from Form 5500.

Form 5500 filing data for plan year 2024.

## Plan Snapshot

- **Plan Sponsor:** Clearwater Federal Credit Union

- **Sponsor EIN:** 810289023

- **Sponsor Address:** 3600 BROOKS STREET, MISSOULA, MT, 59801

- **Plan Type:** 401(k)

- **Total Participants:** 170

- **Total Assets:** $20.9M

## Key Plan Design Features

- **Auto-Enrollment:** Yes

- **Auto-Escalation:** No

- **Allows Roth Contributions:** No

- **Participant Loans:** No

- **Participant-Directed Investments:** No

- **ERISA Section 404(c) Fiduciary Safe Harbor:** Yes

## Plan Financials by Year

| Year|Participants|Total Assets|Employer Contrib.|Employee Contrib.|

| 2024|170|$20.9M|$623,592|$804,159|

| 2023|171|$17.4M|$536,938|$782,755|

| 2022|151|$13.7M|$520,819|$671,866|

## 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|

| VALIC RETIREMENT SERVICES COMPANY|NONE|$95,669|—|$95,669|

| MEIHAUS CPA, PC|Auditor|—|—|$0|

### Verified Provider Profiles

Direct links to verified profiles of matched retirement plan providers on PlanProvider.Pro:

- [MEIHAUS CPA, PC](https://planprovider.pro/provider/meihaus-cpa-pc) — Auditor

## Plan Fees & Expenses

Annual service provider fees and administrative expenses sourced from DOL Form 5500 filings.

- **Total Service Provider Fees:** $95,669

- **Estimated Expense Ratio:** 0.458% 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|

| 2024|$95,671|—|$95,671|—|—|

| 2023|$73,783|—|$73,783|—|—|

| 2022|$68,857|—|$68,857|—|—|

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