# Whatcom Educational Credit Union DC Plan
Source: https://planprovider.pro/companies/whatcom-educational-credit-union-plan-002

> Whatcom Educational Credit Union's DC plan: 418 participants, plan year 2024 financials, providers, and benchmarks from Form 5500.

Form 5500 filing data for plan year 2024.

## Plan Snapshot

- **Plan Sponsor:** Whatcom Educational Credit Union

- **Sponsor EIN:** 910712539

- **Sponsor Address:** PO BOX 9750, BELLINGHAM, WA, 98227

- **Plan Type:** DC

- **Total Participants:** 418

- **Total Assets:** $71.7M

## Key Plan Design Features

- **Auto-Enrollment:** No

- **Auto-Escalation:** No

- **Allows Roth Contributions:** No

- **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|418|$71.7M|$3.2M|$2.5M|

| 2023|425|$59.2M|$2.8M|$2.2M|

| 2022|396|$46.5M|$2.6M|$2.0M|

## 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 INVESTMENT ADVISORS LLC|ADVISOR|$82,252|—|$82,252|

| FIDELITY INVESTMENTS INSTITUTIONAL|RECORDKEEPER|$63,190|—|$63,190|

| CLIFTONLARSONALLEN LLP|Auditor|—|—|$0|

### Verified Provider Profiles

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

- [ALERA INVESTMENT ADVISORS LLC](https://planprovider.pro/provider/alera-investment-advisors-llc) — ADVISOR

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

- [CLIFTONLARSONALLEN LLP](https://planprovider.pro/provider/cliftonlarsonallen-llp) — Auditor

## Plan Fees & Expenses

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

- **Total Service Provider Fees:** $145,442

- **Estimated Expense Ratio:** 0.203% 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|$145,442|$82,252|—|—|—|

| 2023|$119,181|$66,087|—|—|—|

| 2022|$117,417|—|—|—|—|

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