Plan Snapshot
- Plan Sponsor: Esl Federal Credit Union
- Sponsor EIN: 161490324
- Sponsor Address: 225 CHESTNUT STREET, ROCHESTER, NY, 14604
- Plan Type: 401(k)
- Total Participants: 958
- Total Assets: $164.6M
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 | 958 | $164.6M | $5.2M | $8.7M |
| 2023 | 945 | $144.9M | $3.0M | $8.1M |
| 2022 | 893 | $113.9M | $2.8M | $7.6M |
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 |
|---|---|---|---|---|
| T ROWE PRICE RPS INC | NONE | $90,130 | — | $90,130 |
| BONADIO & CO. LLP | Auditor | — | — | $0 |
Verified Provider Profiles
Direct links to verified profiles of matched retirement plan providers on PlanProvider.Pro:
- BONADIO & CO. LLP — Auditor
Plan Fees & Expenses
Annual service provider fees and administrative expenses sourced from DOL Form 5500 filings.
- Total Service Provider Fees: $90,130
- Estimated Expense Ratio: 0.055% 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 | $89,842 | — | — | — | — |
| 2023 | $88,487 | — | — | — | — |
| 2022 | $86,006 | — | — | — | — |