Credit Card Services 401(k) match, vesting and fees
What Credit Card Services' 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 | The Vanguard Group Inc. | Schedule C ↗ |
| Independent auditor | Lee Cpa Audit Group (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | 401(k) · Active | Form 5500 ↗ |
| Late participant contributions | Reported on the filing | Schedule H ↗ |
How the plan compares
Plan year 2025 medians for 3,569 defined-contribution plans in professional, scientific, and technical services with 100 to 499 participants.
| Credit Card Services: employer contribution per participant | $2,529 | |
| Peer median | $2,719 |
| Credit Card Services: average balance | $65,879 | |
| Peer median | $85,424 |
| Credit Card Services: admin expenses ÷ assets | 0.64% | |
| Peer median | 0.27% |
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 $3.2M at the end of plan year 2021 to $6.9M at the end of plan year 2025.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2025 | 132 | $6.9M | $263K | $2,529 | 0.64% | Not published | Form 5500 ↗ |
| 2024 | 140 | $5.5M | $250K | $2,402 | 0.67% | Not published | Form 5500 ↗ |
| 2023 | 154 | $4.2M | $216K | $1,895 | 0.62% | Not published | Form 5500 ↗ |
| 2022 | 155 | $3M | $194K | $1,763 | 0.04% | Not published | Form 5500 ↗ |
| 2021 | 153 | $3.2M | $0 | $0 | 0.01% | Not published | Form 5500 ↗ |
Common questions
Does Credit Card Services match 401(k) contributions?
The match terms for the Bankcard Service 401(k) Plan have not been published from its filing yet. The plan year 2025 filing reports $263K in employer contributions, about $2,529 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the Credit Card Services 401(k) match vested?
The vesting schedule for the Bankcard Service 401(k) Plan is not in the data published so far. Your Summary Plan Description states it.
Who manages the Credit Card Services 401(k)?
The recordkeeper listed on Schedule C of the plan year 2025 filing is The Vanguard Group Inc.. The plan administrator is Credit Card Services, Inc..
I left Credit Card Services. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (Credit Card Services, Inc., (213) 365-1122) or the recordkeeper, The Vanguard Group Inc.. The Credit Card Services old 401(k) page lists the contacts from every plan filing. Find an old Credit Card Services 401(k)
Data from the public Form 5500 annual reports Credit Card Services 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 Credit Card Services. Not financial advice. Report a correction · Methodology