Baxter Credit Union (DBA Bcu) 401(k) match, vesting and fees
What Baxter Credit Union (DBA Bcu)'s 401(k) plan says about matching contributions
Plan features
Match, vesting and enrollment details have not been published from this plan's audit report yet. The figures below come from the structured filing.
| Recordkeeper | Empower Annuity Ins Co of America | Schedule C ↗ |
| Independent auditor | Smith & Howard (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | 401(k) · Active | Form 5500 ↗ |
How the plan compares
Plan year 2025 medians for 208 defined-contribution plans in finance and insurance with 500 to 999 participants.
| Baxter Credit Union (DBA Bcu): employer contribution per participant | $6,889 | |
| Peer median | $3,090 |
| Baxter Credit Union (DBA Bcu): average balance | $73,342 | |
| Peer median | $119,169 |
| Baxter Credit Union (DBA Bcu): admin expenses ÷ assets | 0.11% | |
| Peer median | 0.10% |
Admin expenses are the plan's reported administrative expenses divided by its assets; they do not include fund expense ratios.
Plan history
Plan assets went from $33.2M at the end of plan year 2024 to $50M at the end of plan year 2025.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2025 | 684 | $50M | $4.7M | $6,889 | 0.11% | Not published | Form 5500 ↗ |
| 2024 | 686 | $33.2M | $4.5M | $6,602 | 0.11% | Not published | Form 5500 ↗ |
Other Baxter Credit Union (DBA Bcu) plans (1)
Each plan files its own Form 5500. Figures are from each plan's latest filing.
Bcu Puerto Rico Retirement Savings Plan
Plan features
Match, vesting and enrollment details have not been published from this plan's audit report yet. The figures below come from the structured filing.
| Recordkeeper | Empower Annuity Insurance Company | Schedule C ↗ |
| Independent auditor | Smith & Howard (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | 401(k) · Active | Form 5500 ↗ |
Common questions
Does Baxter Credit Union (DBA Bcu) match 401(k) contributions?
The match terms for the Bcu U.S. Retirement Savings Plan have not been published from its filing yet. The plan year 2025 filing reports $4.7M in employer contributions, about $6,889 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the Baxter Credit Union (DBA Bcu) 401(k) match vested?
The vesting schedule for the Bcu U.S. Retirement Savings Plan is not in the data published so far. Your Summary Plan Description states it.
Who manages the Baxter Credit Union (DBA Bcu) 401(k)?
The recordkeeper listed on Schedule C of the plan year 2025 filing is Empower Annuity Ins Co of America. The plan administrator is Baxter Credit Union (Dba Bcu).
I left Baxter Credit Union (DBA Bcu). How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (Baxter Credit Union (Dba Bcu), (800) 388-7000) or the recordkeeper, Empower Annuity Ins Co of America. The Baxter Credit Union (DBA Bcu) old 401(k) page lists the contacts from every plan filing. Find an old Baxter Credit Union (DBA Bcu) 401(k)
Data from the public Form 5500 annual reports Baxter Credit Union (DBA Bcu) filed with the U.S. Department of Labor (plan years 2024 and 2025) and, where noted, the attached independent auditor's report. Plan terms may have changed since the filing; check your current Summary Plan Description. PlanFacts is not affiliated with Baxter Credit Union (DBA Bcu). Not financial advice. Report a correction · Methodology