Border Federal Credit Union 401(k) match, vesting and fees
What Border Federal Credit Union'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 | Stancorp Financial Group | Schedule C ↗ |
| Independent auditor | Doeren Mayhew Assurance (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | 401(k) · Active | Form 5500 ↗ |
How the plan compares
Plan year 2025 medians for 1,478 defined-contribution plans in finance and insurance with 100 to 499 participants.
| Border Federal Credit Union: employer contribution per participant | $3,598 | |
| Peer median | $3,122 |
| Border Federal Credit Union: average balance | $75,113 | |
| Peer median | $111,687 |
| Border Federal Credit Union: admin expenses ÷ assets | 0.02% | |
| Peer median | 0.20% |
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 $8.4M at the end of plan year 2021 to $11.4M at the end of plan year 2025.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2025 | 153 | $11.4M | $547K | $3,598 | 0.02% | Not published | Form 5500 ↗ |
| 2024 | 130 | $10.2M | $431K | $3,312 | 0.02% | Not published | 5500-SF ↗ |
| 2023 | 109 | $8.6M | $338K | $3,191 | 0.02% | Not published | 5500-SF ↗ |
| 2022 | 100 | $6.9M | $293K | $3,053 | 0.01% | Not published | Form 5500 ↗ |
| 2021 | 98 | $8.4M | $250K | $2,657 | 0.02% | Not published | Form 5500 ↗ |
Common questions
Does Border Federal Credit Union match 401(k) contributions?
The match terms for the Border Federal Credit Union 401(k) Contribution Plan have not been published from its filing yet. The plan year 2025 filing reports $547K in employer contributions, about $3,598 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the Border Federal Credit Union 401(k) match vested?
The vesting schedule for the Border Federal Credit Union 401(k) Contribution Plan is not in the data published so far. Your Summary Plan Description states it.
Who manages the Border Federal Credit Union 401(k)?
The recordkeeper listed on Schedule C of the plan year 2025 filing is Stancorp Financial Group. The plan administrator is Border Federal Credit Union.
I left Border Federal Credit Union. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (Border Federal Credit Union, (830) 774-2328) or the recordkeeper, Stancorp Financial Group. The Border Federal Credit Union old 401(k) page lists the contacts from every plan filing. Find an old Border Federal Credit Union 401(k)
Data from the public Form 5500 annual reports Border Federal Credit Union filed with the U.S. Department of Labor (plan years 2021 and 2022 and 2023 and 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 Border Federal Credit Union. Not financial advice. Report a correction · Methodology