Pentagon Federal Credit Union 401(k) Review & Grade
Pentagon Federal Credit Union Thrift/savings Plan
Mclean, VAFinance & Insurance2,882 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$3,915Employer $ per active participant
$7,336Employee $ saved per active participant
0.11%Direct admin cost, % of plan assets
$391.4MNet plan assets, end of year
$93,653Average balance per account
Score breakdown
- Employer generosity21.5 / 5043th percentile for employer $ per participant
- Low cost13.9 / 2556th percentile for low admin cost vs. same-size plans
- Employee saving5.5 / 1537th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score44 / 100 · Grade D
This plan vs. peers
Peers: Finance & Insurance plans with 2,500–9,999 active participants (199 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 43th |
| Lower admin cost | 56th |
| Employee saving | 37th |
| Peers that auto-enroll | 66% |
Get the monthly 401(k) report card
The best and worst plans, new grades as filings post. One email a month, no spam.
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
- Pentagon Federal Credit Union put in about $3,915 per active participant, below the typical peer ($4,489). Any match is still an instant return, so contribute enough to get all of it.
- 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 | $11,283,797 |
| Participant (employee) contributions | $21,146,843 |
| Other contributions (incl. rollovers in) | $2,651,812 |
| Administrative expenses paid from the plan | $390,396 |
| Other admin expenses | $390,396 |
| Benefits paid out | $40,319,382 |
| Net assets, start / end of year | $349.5M / $391.4M |
| Active participants, start / end of year | 3,026 / 2,739 |
| Participants with account balances | 4,179 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Crowe LLP |
Largest service providers (Schedule C)
| The Vanguard Group, Inc. | $281,980 reported compensation |
| Vanguard Advisers Inc. | $127,496 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013095318NAL0000459011001, received 2025-10-13, EIN 53-0197038, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.