Communityamerica Credit Union 401(k) Review & Grade
Communityamerica Credit Union 401(k) Savings Plan
Lenexa, KSFinance & Insurance1,092 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$6,351Employer $ per active participant
$6,512Employee $ saved per active participant
0.10%Direct admin cost, % of plan assets
$577.0MNet plan assets, end of year
$240,324Average balance per account
Score breakdown
- Employer generosity39.1 / 5078th percentile for employer $ per participant
- Low cost18.4 / 2573th 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 score74 / 100 · Grade B
This plan vs. peers
Peers: Finance & Insurance plans with 500–2,499 active participants (754 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 78th |
| Lower admin cost | 73th |
| 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
- Communityamerica Credit Union put in about $6,351 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 | $6,932,592 |
| Participant (employee) contributions | $7,107,345 |
| Other contributions (incl. rollovers in) | $1,672,383 |
| Administrative expenses paid from the plan | $597,223 |
| Investment advisory & management fees | $157,202 |
| Other admin expenses | $90,671 |
| Benefits paid out | $91,258,739 |
| Net assets, start / end of year | $591.9M / $577.0M |
| Active participants, start / end of year | 1,116 / 1,067 |
| Participants with account balances | 2,401 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Cbiz Cpas P.C. |
Largest service providers (Schedule C)
| Executive Director | $206,162 reported compensation |
| Fiducient Advisors LLC | $96,658 reported compensation |
| Empower Annuity Insurance Company | $93,951 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250714113259NAL0000835091001, received 2025-07-14, EIN 44-6015072, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.