# Provident Credit Union 401(k) Plan
Source: https://planprovider.pro/companies/provident-credit-union-401k-plan

> Provident Credit Union's 401(k) plan: 332 participants, plan year 2024 financials, providers, and benchmarks from Form 5500.

Form 5500 filing data for plan year 2024.

## Plan Snapshot

- **Plan Sponsor:** Provident Credit Union

- **Sponsor EIN:** 941482957

- **Sponsor Address:** 303 TWIN DOLPHIN DR, REDWOOD SHORES, CA, 94065

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

- **Total Participants:** 332

- **Total Assets:** $67.2M

## Key Plan Design Features

- **Auto-Enrollment:** Yes

- **Auto-Escalation:** No

- **Allows Roth Contributions:** Yes

- **Participant Loans:** Yes

- **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|332|$67.2M|$1.3M|$2.7M|

| 2023|326|$58.9M|$1.4M|$2.7M|

| 2022|349|$52.1M|$1.4M|$2.7M|

## 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|

| FIDELITY INVESTMENTS INSTITUTIONAL|RECORDKEEPER|$49,603|—|$49,603|

| NEWFRONT RETIREMENT SERVICES INC|ADVISOR|$23,915|—|$23,915|

| TURNER, WARREN, HWANG, & CONRAD|Auditor|—|—|$0|

### Verified Provider Profiles

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

- [FIDELITY INVESTMENTS INSTITUTIONAL](https://planprovider.pro/provider/fidelity-investments) — RECORDKEEPER

## Plan Fees & Expenses

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

- **Total Service Provider Fees:** $73,518

- **Estimated Expense Ratio:** 0.109% 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|$73,400|$23,915|—|—|—|

| 2023|$69,758|—|—|—|—|

| 2022|$93,907|—|—|—|—|

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