University of Wisconsin Credit Union 401(k) Review & Grade
Univ of Wi Cu Retirement Savings Plan and Trust
Madison, WIFinance & Insurance905 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$6,399Employer $ per active participant
$6,877Employee $ saved per active participant
0.03%Direct admin cost, % of plan assets
$144.2MNet plan assets, end of year
$121,893Average balance per account
Score breakdown
- Employer generosity39.4 / 5079th percentile for employer $ per participant
- Low cost23.2 / 2593th percentile for low admin cost vs. same-size plans
- Employee saving7.2 / 1548th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score80 / 100 · Grade A
This plan vs. peers
Peers: Finance & Insurance plans with 500–2,499 active participants (754 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 79th |
| Lower admin cost | 93th |
| Employee saving | 48th |
| 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
- University of Wisconsin Credit Union put in about $6,399 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 | $5,791,438 |
| Participant (employee) contributions | $6,223,903 |
| Other contributions (incl. rollovers in) | $1,597,150 |
| Administrative expenses paid from the plan | $40,050 |
| Contract administrator fees | $40,050 |
| Benefits paid out | $6,925,736 |
| Net assets, start / end of year | $118.3M / $144.2M |
| Active participants, start / end of year | 908 / 902 |
| Participants with account balances | 1,183 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Plante & Moran, PLLC |
Largest service providers (Schedule C)
| Stancorp Financial Group | $154,778 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250923141932NAL0002604227001, received 2025-09-23, EIN 39-0671465, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.