Rogue Credit Union 401(k) Review & Grade
Rogue Credit Union Capital Accumulation Plan
Medford, ORFinance & Insurance630 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$3,278Employer $ per active participant
$4,583Employee $ saved per active participant
0.20%Direct admin cost, % of plan assets
$53.2MNet plan assets, end of year
$86,328Average balance per account
Score breakdown
- Employer generosity22.2 / 5044th percentile for employer $ per participant
- Low cost13.4 / 2554th percentile for low admin cost vs. same-size plans
- Employee saving2.8 / 1519th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-13 pts2 issues reported on the filing
Total score28 / 100 · Grade F
This plan vs. peers
Peers: Finance & Insurance plans with 500–2,499 active participants (754 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 44th |
| Lower admin cost | 54th |
| Employee saving | 19th |
| Peers that auto-enroll | 62% |
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Red flags from the filing
Late deposits: the filing says some employee contributions were not sent to the plan on time ($1,539 reported). That's money taken from paychecks that sat with the employer longer than the law allows.
Corrective distributions: the plan refunded $47,536 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Rogue Credit Union put in about $3,278 per active participant, below the typical peer ($3,606). 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.
- The plan reported late deposits of employee contributions. Compare your pay stubs with your account statements, and contact the plan administrator if money shows up late.
- 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 | $2,063,554 |
| Participant (employee) contributions | $2,885,043 |
| Other contributions (incl. rollovers in) | $900,735 |
| Administrative expenses paid from the plan | $100,525 |
| Contract administrator fees | $56,811 |
| Investment advisory & management fees | $43,714 |
| Benefits paid out | $3,401,527 |
| Net assets, start / end of year | $45.3M / $53.2M |
| Active participants, start / end of year | 632 / 627 |
| Participants with account balances | 616 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Jones and Roth, PC |
Largest service providers (Schedule C)
| Empower Advisory Group, LLC | $58,297 reported compensation |
| Freedom Fiduciaries LLC | $42,228 reported compensation |
| Empower Annuity Insurance Company O | $0 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251009101449NAL0003813795001, received 2025-10-09, EIN 93-0491115, plan #033, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.