Plan Snapshot
- Plan Sponsor: Twinstar Credit Union
- Sponsor EIN: 910440744
- Sponsor Address: PO BOX 718, OLYMPIA, WA, 98507
- Plan Type: 401(k)
- Total Participants: 804
- Total Assets: $85.7M
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 | 804 | $85.7M | $5.4M | $5.3M |
| 2023 | 754 | $71.6M | $4.0M | $3.3M |
| 2022 | 424 | $33.9M | $1.5M | $2.2M |
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 |
|---|---|---|---|---|
| ALERA GROUP INC DBA ALERA INVESTMEN | INVESTMENT ADVISOR | $112,211 | — | $112,211 |
| EMPOWER ANNUITY INSURANCE COMPANY O | RECORDKEEPER | $69,171 | — | $69,171 |
| PRIME PENSIONS NORTHWEST LLC | TPA | $54,661 | — | $54,661 |
| JONES & ROTH | AUDITOR | $41,250 | — | $41,250 |
| JONES & ROTH, PC | Auditor | $41,250 | — | $41,250 |
| EMPOWER ADVISORY GROUP, LLC | INVESTMENT MGMT | $39,006 | — | $39,006 |
Verified Provider Profiles
Direct links to verified profiles of matched retirement plan providers on PlanProvider.Pro:
- JONES & ROTH, PC — Auditor
Plan Fees & Expenses
Annual service provider fees and administrative expenses sourced from DOL Form 5500 filings.
- Total Service Provider Fees: $357,549
- Estimated Expense Ratio: 0.417% 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 | $351,659 | $151,216 | $69,171 | $41,250 | — |
| 2023 | $156,627 | $94,256 | $62,371 | — | — |
| 2022 | $145,769 | — | $145,769 | — | — |