Ent Credit Union 401(k) Review & Grade
Ent Credit Union 401(k) Retirement Plan
Colorado Springs, COFinance & Insurance1,368 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$7,048Employer $ per active participant
$6,500Employee $ saved per active participant
0.07%Direct admin cost, % of plan assets
$183.0MNet plan assets, end of year
$109,609Average balance per account
Score breakdown
- Employer generosity41.8 / 5084th percentile for employer $ per participant
- Low cost20.6 / 2582th percentile for low admin cost vs. same-size plans
- Employee saving6.4 / 1543th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score79 / 100 · Grade A
This plan vs. peers
Peers: Finance & Insurance plans with 500–2,499 active participants (754 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 84th |
| Lower admin cost | 82th |
| Employee saving | 43th |
| Peers that auto-enroll | 62% |
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Red flags from the filing
No red flags were reported on this filing's compliance questions.
What to do if you're in this plan
- Ent Credit Union put in about $7,048 per active participant, more than the typical peer ($3,606). Contribute at least enough to collect the full match. Skipping it leaves part of your pay on the table.
- The filing shows total dollars, not the match formula. Ask HR for the Summary Plan Description so you know the exact match and vesting schedule.
- Fund expense ratios aren't in the filing. Look them up in your 404(a)(5) fee disclosure and favor low-cost index or target-date funds.
- The plan auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- Changing jobs? You can usually leave the money in the plan, move it to your new employer's plan, or roll it into an IRA. Don't cash out: you'd owe taxes and possibly a 10% penalty.
The raw numbers from the filing
| Employer contributions | $9,645,692 |
| Participant (employee) contributions | $8,894,992 |
| Other contributions (incl. rollovers in) | $2,175,275 |
| Administrative expenses paid from the plan | $114,196 |
| Contract administrator fees | $1,931 |
| Investment advisory & management fees | $26,944 |
| Other admin expenses | $973 |
| Benefits paid out | $17,707,378 |
| Net assets, start / end of year | $158.2M / $183.0M |
| Active participants, start / end of year | 1,324 / 1,413 |
| Participants with account balances | 1,670 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Plante & Moran, LLC |
Largest service providers (Schedule C)
| T Rowe Price RPS Inc | $84,348 reported compensation |
| Capfinancial Partners LLC | $26,944 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250908125603NAL0012295795001, received 2025-09-08, EIN 84-0470451, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.