Oregon Community Credit Union 401(k) Review & Grade
Oregon Community Credit Union 401(k) Plan and Trust
Springfield, ORFinance & Insurance604 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$4,072Employer $ per active participant
$5,764Employee $ saved per active participant
0.38%Direct admin cost, % of plan assets
$67.8MNet plan assets, end of year
$96,424Average balance per account
Score breakdown
- Employer generosity28.3 / 5057th percentile for employer $ per participant
- Low cost7.9 / 2532th percentile for low admin cost vs. same-size plans
- Employee saving4.8 / 1532th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score51 / 100 · Grade C
This plan vs. peers
Peers: Finance & Insurance plans with 500–2,499 active participants (754 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 57th |
| Lower admin cost | 32th |
| Employee saving | 32th |
| 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
- Oregon Community Credit Union put in about $4,072 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.
- Direct plan expenses (0.38% of assets) are well above similar-size plans (0.23%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- 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 | $2,457,576 |
| Participant (employee) contributions | $3,478,494 |
| Other contributions (incl. rollovers in) | $752,724 |
| Administrative expenses paid from the plan | $241,325 |
| Investment advisory & management fees | $49,059 |
| Other admin expenses | $61,244 |
| Benefits paid out | $4,779,828 |
| Net assets, start / end of year | $57.7M / $67.8M |
| Active participants, start / end of year | 602 / 605 |
| Participants with account balances | 703 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Jones & Roth, P.C. |
Largest service providers (Schedule C)
| Prime Pensions Northwest, LLC | $61,244 reported compensation |
| Empower Annuity Ins Co of America | $60,220 reported compensation |
| Retirement Consulting Group Inc | $40,000 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250930163548NAL0005594931001, received 2025-09-30, EIN 93-0492535, plan #033, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.