401k Plan data: THE RICHMOND POSTAL CREDIT UNION 401(K) PLAN AND TRUST plan

THE RICHMOND POSTAL CREDIT UNION 401(K) PLAN AND TRUST 401k Plan overview

Plan Name	THE RICHMOND POSTAL CREDIT UNION 401(K) PLAN AND TRUST
Plan identification number	003

THE RICHMOND POSTAL CREDIT UNION 401(K) PLAN AND TRUST Benefits

401k Plan Type

Defined Contribution Pension

Plan Features/Benefits

Profit-sharing
ERISA section 404(c) Plan - This plan, or any part of it is intended to meet the conditions of 29 CFR 2550.404c-1.
Total participant-directed account plan - Participants have the opportunity to direct the investment of all the assets allocated to their individual accounts, regardless of whether 29 CFR 2550.404c-1 is intended to be met.
Code section 401(k) feature - A cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan that provides for an election by employees to defer part of their compensation or receive these amounts in cash.
Code section 401(m) arrangement - Employee contributions are allocated to separate accounts under the plan or employer contributions are based, in whole or in part, on employee deferrals or contribtions to the plan. Not applicable if plan is 401(k) plan with only QNECs and/or QMACs. Also not applicable if Code section 403(b)(1), 403(b)(7) or 408 arrangements/accounts/annuities.
Total or partial participant-directed account plan - plan uses default investment account for participants who fail to direct assets in their account.
Master plan - A pension plan that is made available by a sponsor for adoption by employers; that is the subject of a favorable opinion letter; and for which a single funding medium (for example, a trust or custodial account) is established for the joint use of all adopting employers.

401k Sponsoring company profile

THE RICHMOND POSTAL CREDIT UNION, INC. has sponsored the creation of one or more 401k plans.

Company Name: THE RICHMOND POSTAL CREDIT UNION, INC.

Employer identification number (EIN): 540357460

NAIC Classification: 522130
NAIC Description: Credit Unions

Form 5500 Filing Information

Submission information for form 5500 for 401k plan THE RICHMOND POSTAL CREDIT UNION 401(K) PLAN AND TRUST

Plan id# Filing Submission Date Name of Administrator Date Administrator Signed Name of Company Sponsor Date Sponsor Signed
003 2023-01-01
003 2022-01-01
003 2021-01-01 SHIRLEY COOPER 2022-10-11
003 2021-01-01 SHIRLEY COOPER 2022-10-11
003 2020-01-01 SHIRLEY COOPER 2021-10-12
003 2019-01-01 SHIRLEY COOPER 2020-08-27
003 2018-01-01 PENNY E. WILLIAMS 2019-04-26
003 2017-01-01 PENNY E. WILLIAMS 2018-04-04
003 2016-01-01 PENNY E. WILLIAMS 2017-04-14
003 2015-01-01 PENNY E WILLIAMS 2016-07-06
003 2014-01-01 PENNY E WILLIAMS 2015-09-21
003 2013-01-01 PENNY E WILLIAMS 2014-05-30
003 2012-01-01 PENNY E WILLIAMS 2013-07-31
003 2011-01-01 PENNY E. WILLIAMS 2012-06-25 THE RICHMOND POSTAL CREDIT UNION 2012-06-25
003 2010-01-01 SCOOPER 2011-08-17

Plan id#	Filing Submission Date	Name of Administrator	Date Administrator Signed	Name of Company Sponsor	Date Sponsor Signed
003	2023-01-01
003	2022-01-01
003	2021-01-01	SHIRLEY COOPER	2022-10-11
003	2021-01-01	SHIRLEY COOPER	2022-10-11
003	2020-01-01	SHIRLEY COOPER	2021-10-12
003	2019-01-01	SHIRLEY COOPER	2020-08-27
003	2018-01-01	PENNY E. WILLIAMS	2019-04-26
003	2017-01-01	PENNY E. WILLIAMS	2018-04-04
003	2016-01-01	PENNY E. WILLIAMS	2017-04-14
003	2015-01-01	PENNY E WILLIAMS	2016-07-06
003	2014-01-01	PENNY E WILLIAMS	2015-09-21
003	2013-01-01	PENNY E WILLIAMS	2014-05-30
003	2012-01-01	PENNY E WILLIAMS	2013-07-31
003	2011-01-01	PENNY E. WILLIAMS	2012-06-25	THE RICHMOND POSTAL CREDIT UNION	2012-06-25
003	2010-01-01	SCOOPER	2011-08-17

Plan Statistics for THE RICHMOND POSTAL CREDIT UNION 401(K) PLAN AND TRUST

401k plan membership statisitcs for THE RICHMOND POSTAL CREDIT UNION 401(K) PLAN AND TRUST

Measure Date Value
2025: THE RICHMOND POSTAL CREDIT UNION 401(K) PLAN AND TRUST 2025 401k membership
Total number of particpants at beginning of year 2025-10-14 25
Total number of particpants at end of year 2025-10-14 21
Number of Participants With Account Balances 2025-10-14 21
2024: THE RICHMOND POSTAL CREDIT UNION 401(K) PLAN AND TRUST 2024 401k membership
Total number of particpants at beginning of year 2024-10-04 24
Total number of particpants at end of year 2024-10-04 25
Number of Participants With Account Balances 2024-10-04 25
2022: THE RICHMOND POSTAL CREDIT UNION 401(K) PLAN AND TRUST 2022 401k membership
Total number of particpants at beginning of year 2022-10-11 23
Total number of particpants at end of year 2022-10-11 23
Number of Participants With Account Balances 2022-10-11 23

Measure	Date	Value
2025: THE RICHMOND POSTAL CREDIT UNION 401(K) PLAN AND TRUST 2025 401k membership
Total number of particpants at beginning of year	2025-10-14	25
Total number of particpants at end of year	2025-10-14	21
Number of Participants With Account Balances	2025-10-14	21
2024: THE RICHMOND POSTAL CREDIT UNION 401(K) PLAN AND TRUST 2024 401k membership
Total number of particpants at beginning of year	2024-10-04	24
Total number of particpants at end of year	2024-10-04	25
Number of Participants With Account Balances	2024-10-04	25
2022: THE RICHMOND POSTAL CREDIT UNION 401(K) PLAN AND TRUST 2022 401k membership
Total number of particpants at beginning of year	2022-10-11	23
Total number of particpants at end of year	2022-10-11	23
Number of Participants With Account Balances	2022-10-11	23

Financial Data on THE RICHMOND POSTAL CREDIT UNION 401(K) PLAN AND TRUST

Measure	Date	Value
2025 : THE RICHMOND POSTAL CREDIT UNION 401(K) PLAN AND TRUST 2025 401k financial data
Total expenses incurred by plan in this plan year	2025-10-14	350992
Net assets as of the end of the plan year	2025-10-14	824303
Total assets as of the beginning of the plan year	2025-10-14	985940
Value of plan covered by a fidelity bond	2025-10-14	1000000
Participant contributions to plan in this plan year	2025-10-14	40744
Value of participant loans at end of plan year	2025-10-14	948
Other income to plan in this plan year	2025-10-14	103351
Plan net income in this plan year	2025-10-14	-161637
Net assets as of the end of the plan year	2025-10-14	824303
Net assets as of the beginning of the plan year	2025-10-14	985940
Employer contributions to plan in this plan year	2025-10-14	45260
Fees paid to broker by Benefit Provider	2025-10-14	3052
Expensese paid to adminstrative service provicers from plan in this plan year	2025-10-14	36
2024 : THE RICHMOND POSTAL CREDIT UNION 401(K) PLAN AND TRUST 2024 401k financial data
Total expenses incurred by plan in this plan year	2024-10-04	573719
Net assets as of the end of the plan year	2024-10-04	985940
Total assets as of the beginning of the plan year	2024-10-04	1318012
Value of plan covered by a fidelity bond	2024-10-04	3500000
Participant contributions to plan in this plan year	2024-10-04	28976
Value of participant loans at end of plan year	2024-10-04	1814
Other expenses paid from plan in this plan year	2024-10-04	48
Other income to plan in this plan year	2024-10-04	164489
Plan net income in this plan year	2024-10-04	-332072
Net assets as of the end of the plan year	2024-10-04	985940
Net assets as of the beginning of the plan year	2024-10-04	1318012
Employer contributions to plan in this plan year	2024-10-04	48182
Fees paid to broker by Benefit Provider	2024-10-04	3909
2022 : THE RICHMOND POSTAL CREDIT UNION 401(K) PLAN AND TRUST 2022 401k financial data
Total expenses incurred by plan in this plan year	2022-10-11	13960
Net assets as of the end of the plan year	2022-10-11	1461607
Total assets as of the beginning of the plan year	2022-10-11	1228349
Value of plan covered by a fidelity bond	2022-10-11	3500000
Participant contributions to plan in this plan year	2022-10-11	34743
Value of participant loans at end of plan year	2022-10-11	4276
Other income to plan in this plan year	2022-10-11	147146
Plan net income in this plan year	2022-10-11	233258
Net assets as of the end of the plan year	2022-10-11	1461607
Net assets as of the beginning of the plan year	2022-10-11	1228349
Employer contributions to plan in this plan year	2022-10-11	65329
Fees paid to broker by Benefit Provider	2022-10-11	4443
Expensese paid to adminstrative service provicers from plan in this plan year	2022-10-11	148

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Company Name:	THE RICHMOND POSTAL CREDIT UNION, INC.
Employer identification number (EIN):	540357460
NAIC Classification:	522130
NAIC Description:	Credit Unions