Founders Federal Credit Union 401(k) match, vesting and fees
What Founders 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 | Fidelity Invest Inst Ops Co | 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 208 defined-contribution plans in finance and insurance with 500 to 999 participants.
| Founders Federal Credit Union: employer contribution per participant | $5,087 | |
| Peer median | $3,090 |
| Founders Federal Credit Union: average balance | $155,324 | |
| Peer median | $119,169 |
| Founders Federal Credit Union: admin expenses ÷ assets | 0.08% | |
| 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 $127M at the end of plan year 2021 to $154M at the end of plan year 2025.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2025 | 993 | $154M | $5M | $5,087 | 0.08% | Not published | Form 5500 ↗ |
| 2024 | 947 | $138M | $4.6M | $4,846 | 0.06% | Not published | Form 5500 ↗ |
| 2023 | 920 | $124M | $4.1M | $4,447 | 0.06% | Not published | Form 5500 ↗ |
| 2022 | 906 | $109M | $3.8M | $4,239 | 0.04% | Not published | Form 5500 ↗ |
| 2021 | 823 | $127M | $3.4M | $4,115 | 0.03% | Not published | Form 5500 ↗ |
Common questions
Does Founders Federal Credit Union match 401(k) contributions?
The match terms for the Founders Federal Credit Union Defined Contribution Plan have not been published from its filing yet. The plan year 2025 filing reports $5M in employer contributions, about $5,087 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the Founders Federal Credit Union 401(k) match vested?
The vesting schedule for the Founders Federal Credit Union Defined Contribution Plan is not in the data published so far. Your Summary Plan Description states it.
Who manages the Founders Federal Credit Union 401(k)?
The recordkeeper listed on Schedule C of the plan year 2025 filing is Fidelity Invest Inst Ops Co. The plan administrator is Founders Federal Credit Union.
I left Founders 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 (Founders Federal Credit Union, (803) 289-5756) or the recordkeeper, Fidelity Invest Inst Ops Co. The Founders Federal Credit Union old 401(k) page lists the contacts from every plan filing. Find an old Founders Federal Credit Union 401(k)
Data from the public Form 5500 annual reports Founders 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 Founders Federal Credit Union. Not financial advice. Report a correction · Methodology