Cu Direct 401(k) match, vesting and fees
What Cu Direct'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 Insurance Company O | Schedule C ↗ |
| Independent auditor | Cliftonlarsonallen LLP (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | 401(k) · Active | Form 5500 ↗ |
How the plan compares
Plan year 2025 medians for 84 defined-contribution plans in information with 500 to 999 participants.
| Cu Direct: employer contribution per participant | $6,715 | |
| Peer median | $1,913 |
| Cu Direct: average balance | $195,103 | |
| Peer median | $95,227 |
| Cu Direct: admin expenses ÷ assets | 0.14% | |
| Peer median | 0.14% |
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 $94M at the end of plan year 2021 to $143M at the end of plan year 2025.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2025 | 839 | $143M | $4.9M | $6,715 | 0.14% | Not published | Form 5500 ↗ |
| 2024 | 857 | $116M | $4.8M | $6,459 | 0.14% | Not published | Form 5500 ↗ |
| 2023 | 873 | $101M | $4.3M | $5,715 | 0.18% | Not published | Form 5500 ↗ |
| 2022 | 891 | $81.9M | $4M | $5,402 | 0.18% | Not published | Form 5500 ↗ |
| 2021 | 814 | $94M | $3.8M | $5,320 | 0.17% | Not published | Form 5500 ↗ |
Common questions
Does Cu Direct match 401(k) contributions?
The match terms for the Cu Direct Corporation Capital Accumulation Plan have not been published from its filing yet. The plan year 2025 filing reports $4.9M in employer contributions, about $6,715 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the Cu Direct 401(k) match vested?
The vesting schedule for the Cu Direct Corporation Capital Accumulation Plan is not in the data published so far. Your Summary Plan Description states it.
Who manages the Cu Direct 401(k)?
The recordkeeper listed on Schedule C of the plan year 2025 filing is Empower Annuity Insurance Company O. The plan administrator is Cu Direct Corporation.
I left Cu Direct. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (Cu Direct Corporation, (949) 339-1123) or the recordkeeper, Empower Annuity Insurance Company O. The Cu Direct old 401(k) page lists the contacts from every plan filing. Find an old Cu Direct 401(k)
Data from the public Form 5500 annual reports Cu Direct 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 Cu Direct. Not financial advice. Report a correction · Methodology