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

> Digital Federal Credit Union's 401(k) plan: 1,737 participants, plan year 2024 financials, providers, and benchmarks from Form 5500.

Form 5500 filing data for plan year 2024.

## Plan Snapshot

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

- **Sponsor EIN:** 042683316

- **Sponsor Address:** 853 DONALD LYNCH BOULEVARD, MARLBOROUGH, MA, 01752

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

- **Total Participants:** 1,737

- **Total Assets:** $221.3M

## Key Plan Design Features

- **Auto-Enrollment:** Yes

- **Auto-Escalation:** No

- **Allows Roth Contributions:** Yes

- **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.|

| 2024|1,737|$221.3M|$7.9M|$10.6M|

| 2023|1,782|$191.1M|$8.8M|$10.3M|

| 2022|1,681|$154.3M|$7.8M|$8.9M|

## 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|

| EMPOWER ANNUITY INSURANCE COMPANY|RECORDKEEPER|$231,905|—|$231,905|

| MORGAN STANLEY|INVESTMENT ADVISOR|$175,529|—|$175,529|

| PKF O'CONNOR DAVIES, LLP|Auditor|—|—|$0|

### Verified Provider Profiles

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

- [MORGAN STANLEY](https://planprovider.pro/provider/morgan-stanley) — INVESTMENT ADVISOR

- [PKF O'CONNOR DAVIES, LLP](https://planprovider.pro/provider/bpas) — Auditor

## Plan Fees & Expenses

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

- **Total Service Provider Fees:** $407,434

- **Estimated Expense Ratio:** 0.184% 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|$407,734|$175,529|—|—|—|

| 2023|$403,958|$183,026|—|—|—|

| 2022|$371,019|$170,902|$200,117|—|—|

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