Employer · plans filed under one EIN
Charter Oak Federal Credit Union
Waterford, CT · Finance and insurance
Form 5500 information is as filed by the plan administrator with the Department of Labor and may be amended. Figures reflect the plan year shown, not current balances.
2 retirement plans with 100 or more participants file Form 5500 under Charter Oak Federal Credit Union's employer identification number (Waterford, Connecticut). Their latest filings total 315 participant records and $40.0M in net assets.
The largest is Charter Oak Federal Credit Union Retirement Plan, a 401(k) plan with 180 participants. A person can be counted in more than one plan, so the participant total is a count of records rather than of people.
Employer contributions across the plans were $1.4M and participant contributions $1.2M in the latest plan years; benefits paid were $6.0M. Schedule C compensation reported to service provider organisations totalled $137K.
Combined net assets moved from $2.0M in 2009 to $35.8M in 2025 (up 1723%). Plan mergers and spin-offs show up here as steps in the series.
Plans
| Plan | Kind | Plan year | Participants | Net assets | Per participant | Employer / active | Sch. C compensation |
|---|---|---|---|---|---|---|---|
| Charter Oak Federal Credit Union Retirement Plan | 401(k) plan | 2025 | 180 | $35.8M | $198,617 | $7,110 | $111K |
| Charter Oak Federal Credit Union Retirement Plan for Union Employees | defined contribution plan | 2024 | 135 | $4.2M | $31,164 | $2,264 | $26K |
| US median, plan year 2024: DC plans $53,102 per participant, $2,175 employer contribution per active participant; DB plans $86,221 and $10,244. | |||||||
Trend by plan year
| Plan year | Plans | Participant records | Net assets | Employer contributions | Participant contributions |
|---|---|---|---|---|---|
| 2025 | 1 | 180 | $35.8M | $1.1M | $1.2M |
| 2024 | 2 | 313 | $38.5M | $1.4M | $1.3M |
| 2023 | 2 | 321 | $37.1M | $1.2M | $1.2M |
| 2022 | 2 | 303 | $32.7M | $1.2M | $1.2M |
| 2021 | 2 | 353 | $40.8M | $1.2M | $1.2M |
| 2020 | 2 | 351 | $35.7M | $1.2M | $1.2M |
| 2019 | 1 | 153 | $3.6M | $219K | $0 |
| 2018 | 1 | 143 | $3.1M | $212K | $0 |
| 2017 | 1 | 143 | $3.3M | $232K | $0 |
| 2016 | 1 | 143 | $3.1M | $237K | $0 |
| 2015 | 1 | 140 | $2.8M | $232K | $0 |
| 2014 | 1 | 133 | $2.7M | $218K | $0 |
| 2013 | 1 | 133 | $2.8M | $210K | $0 |
| 2012 | 1 | 130 | $2.4M | $203K | $0 |
| 2011 | 1 | 135 | $2.2M | $208K | $0 |
| 2010 | 1 | 143 | $2.1M | $203K | $0 |
| 2009 | 1 | 134 | $2.0M | $226K | $0 |
History of the plans listed above, in the years each filed the full Form 5500 with 100 or more participants. Plans that have since terminated are not included.
Service providers
| Organisation | Services reported | Plans | Compensation reported |
|---|---|---|---|
| Morgan Stanley | Investment advisory (plan) | 2 | $89,982 |
| JPMorgan Invest Holdings LLC | — | 2 | $46,670 |
| The Angell Pension Group Inc. | Contract Administrator | 1 | $600 |
Organisations paid $5,000 or more by any of these plans, from Schedule C. Individuals are not shown.
Questions and answers
How many retirement plans does Charter Oak Federal Credit Union have?
2 plans with 100 or more participants filed Form 5500 under its employer identification number for the latest plan years: Charter Oak Federal Credit Union Retirement Plan and Charter Oak Federal Credit Union Retirement Plan for Union Employees. Smaller plans and plans filed under a subsidiary's number are not grouped here.
How much does Charter Oak Federal Credit Union contribute to its plans?
$1,367,311 in employer contributions across these plans in their latest plan years, about $5,064 per active participant record. Form 5500 reports totals and not the match or accrual formula.
Who provides services to these plans?
Schedule C filings name Morgan Stanley, JPMorgan Invest Holdings LLC and The Angell Pension Group Inc.. Only organisations paid $5,000 or more by a plan are listed on Schedule C.
Where does this come from?
Form 5500 annual reports filed with the Department of Labor's EFAST2 system, from the EBSA research files, with filings received through 24 Aug 2026. Figures are as filed and may be amended.
Provenance
Source: U.S. Department of Labor, Employee Benefits Security Administration, Form 5500 research files, public domain, with filings received through 24 Aug 2026. Plans are grouped by the sponsor's employer identification number exactly as filed; a company that files under several EINs appears as several employers. See the methodology and corrections.