Plan Snapshot
- Plan Sponsor: Harborstone Credit Union
- Sponsor EIN: 910659059
- Sponsor Address: PO BOX 4207, TACOMA, WA, 984380207
- Plan Type: 401(k)
- Total Participants: 301
- Total Assets: $54.2M
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: No
Plan Financials by Year
| Year | Participants | Total Assets | Employer Contrib. | Employee Contrib. |
|---|---|---|---|---|
| 2024 | 301 | $54.2M | $2.2M | $1.7M |
| 2023 | 268 | $46.6M | $1.9M | $1.4M |
| 2022 | 277 | $43.4M | $1.8M | $1.3M |
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 |
|---|---|---|---|---|
| PINNACLE PENSION SERVICES | Other Service Provider | $35,785 | — | $35,785 |
| DWYER PEMBERTON AND COULSON | Other Service Provider | $23,000 | — | $23,000 |
| VOYA RETIREMENT INSURANCE & ANNUITY | Other Service Provider | $17,469 | — | $17,469 |
| MORNINGSTAR | Recordkeeper | — | $7,405 | $7,405 |
Verified Provider Profiles
Direct links to verified profiles of matched retirement plan providers on PlanProvider.Pro:
- MORNINGSTAR — Recordkeeper
Plan Fees & Expenses
Annual service provider fees and administrative expenses sourced from DOL Form 5500 filings.
- Total Service Provider Fees: $83,659
- Estimated Expense Ratio: 0.154% 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 | $168,982 | $92,978 | $76,004 | — | — |
| 2023 | $80,070 | $51,587 | $28,483 | — | — |
| 2022 | $86,840 | — | $13,580 | — | $73,260 |