Valley First Credit Union 401(k) match, vesting and fees
What Valley First 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 | Principal Life Insurance Company | Schedule C ↗ |
| Independent auditor | Pension Assurance 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 1,478 defined-contribution plans in finance and insurance with 100 to 499 participants.
| Valley First Credit Union: employer contribution per participant | $2,402 | |
| Peer median | $3,122 |
| Valley First Credit Union: average balance | $60,135 | |
| Peer median | $111,687 |
| Valley First Credit Union: admin expenses ÷ assets | 0.31% | |
| 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 $11.7M at the end of plan year 2024 to $12.7M at the end of plan year 2025.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2025 | 221 | $12.7M | $507K | $2,402 | 0.31% | Not published | Form 5500 ↗ |
| 2024 | 220 | $11.7M | $321K | $1,567 | 0.48% | Not published | 5500-SF ↗ |
Other Valley First Credit Union plans (1)
Each plan files its own Form 5500. Figures are from each plan's latest filing.
Valley First Credit Union 401(k) Retirement 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.
| Plan type and status | 401(k) · Active | Form 5500 ↗ |
Common questions
Does Valley First Credit Union match 401(k) contributions?
The match terms for the Valley First Credit Union 401(k) Retirement Plan have not been published from its filing yet. The plan year 2025 filing reports $507K in employer contributions, about $2,402 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the Valley First Credit Union 401(k) match vested?
The vesting schedule for the Valley First Credit Union 401(k) Retirement Plan is not in the data published so far. Your Summary Plan Description states it.
Who manages the Valley First Credit Union 401(k)?
The recordkeeper listed on Schedule C of the plan year 2025 filing is Principal Life Insurance Company. The plan administrator is National Benefit Services, LLC.
I left Valley First Credit Union. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (National Benefit Services, LLC, (801) 532-4000) or the recordkeeper, Principal Life Insurance Company. The Valley First Credit Union old 401(k) page lists the contacts from every plan filing. Find an old Valley First Credit Union 401(k)
Data from the public Form 5500 annual reports Valley First Credit Union 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 Valley First Credit Union. Not financial advice. Report a correction · Methodology