Delta Community Credit Union 401(k) Review & Grade
Delta Community Credit Union 401(k) Savings Plan
Atlanta, GAFinance & Insurance1,318 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$5,744Employer $ per active participant
$6,779Employee $ saved per active participant
0.05%Direct admin cost, % of plan assets
$163.5MNet plan assets, end of year
$107,888Average balance per account
Score breakdown
- Employer generosity37.1 / 5074th percentile for employer $ per participant
- Low cost21.9 / 2587th percentile for low admin cost vs. same-size plans
- Employee saving7.0 / 1547th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score69 / 100 · Grade B
This plan vs. peers
Peers: Finance & Insurance plans with 500–2,499 active participants (754 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 74th |
| Lower admin cost | 87th |
| Employee saving | 47th |
| 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
- Delta Community Credit Union put in about $5,744 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.
- 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 | $7,573,059 |
| Participant (employee) contributions | $8,938,191 |
| Other contributions (incl. rollovers in) | $601,393 |
| Administrative expenses paid from the plan | $74,316 |
| Other admin expenses | $500 |
| Benefits paid out | $9,420,178 |
| Net assets, start / end of year | $135.7M / $163.5M |
| Active participants, start / end of year | 1,294 / 1,343 |
| Participants with account balances | 1,515 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Cliftonlarsonallen LLP |
Largest service providers (Schedule C)
| T Rowe Price RPS Inc | $73,907 reported compensation |
| Charles Schwab & Co., Inc. | $63 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251008154641NAL0003126339001, received 2025-10-08, EIN 58-0904765, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.