401(k) · DOL Form 5500 · 2022

Smart Financial Credit Union 401(k) Plan

Data updated 2026-08-25

$18M
Total assets Small plan by assets
176
Participants Small participant base
76th
Percentile by assets National rank
$102,521
Avg per participant Below avg balance/head
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Official DOL plan name: Smart Financial Credit Union 401(k) Plan · Sponsored by Smart Financial Credit Union · Texas · Finance & Insurance

$18M in assets, 176 participants

Smart Financial Credit Union's Smart Financial Credit Union 401(k) Plan reported $18M in total assets and 176 participants in its 2022 DOL Form 5500 filing, ranking in the 76th percentile by assets among filed plans. Figures are as reported by the plan sponsor to the Department of Labor, not audited or endorsed by PlainRetire.

  • #5,712 in Finance & Insurance (9,261 peers)

Coverage in Texas

Smart Financial Credit Union 401(k) Plan covers 176 participants in Texas, about 26% of the average Texas filer (state average ~688 per filing). Assets: $18M.

#5,712
in Finance & Insurance (9,261 peers)
-14.2%
assets change YoY
0.2×
vs typical plan assets (national mean)

The plan reported a net loss of $3M for the year, a single-year figure driven by markets and benefit payments, not a measure of plan health.

Smart Financial Credit Union 401(k) Plan's outsized position by total assets

Smart Financial Credit Union 401(k) Plan vs every filed plan by assets

End-of-year total assets · plan year 2022 · DOL Form 5500

$18,043,630 Top 24% higher than 76% of 139,123 filed plans

This plan $0 $2,050,000,000 every filed plan with reported assets, bucketed by value

Dashed line + filled bar = this entry, among filed plans.

Source U.S. Department of Labor Form 5500 filings (EBSA) · plan year 2022

Smart Financial Credit Union 401(k) Plan among mid-size filed plans by headcount

Plan-year 2022 Form 5500 filings with a reported participant count, partitioned by headcount band, not by assets. Smart Financial Credit Union 401(k) Plan sits mid-pack in the medium band (176 participants).

Form 5500 schedule snapshot

Filing strip 740695355 · Smart Financial Credit Union PY 2022 · 401(k)

Smart Financial Credit Union 401(k) Plan · $18M · 176 · 76th

  • PCT $18M
  • PCT 176
  • PCT 76th
  • PCT 401(k)
  • PCT near Airship Group Inc. 401(k) Profit Sharing Plan and Trust
  • PCT ind #5712

Stamps derive from this plan's Form 5500 line items (assets, participants, type, EIN, cohort placement) - not a quality rating of the sponsor. Read with Finance & Insurance retirement plans → · Plans in Texas →

Smart Financial Credit Union 401(k) Plan in the asset neighbourhood

Novo Construction, Inc. 401(k) Profit Sharing PlanNovo Construction, Inc. 401(…$18MFirst of Waverly Employee Stock Ownership and Savings Plan & Trust AgreementFirst of Waverly Employee St…$18MSmart Financial Credit Union 401(k) PlanSmart Financial Credit Union…$18MAirship Group Inc. 401(k) Profit Sharing Plan and TrustAirship Group Inc. 401(k) Pr…$18MThe Milford Bank 401(k) Profit Sharing Plan with Cash or Deferred ArrangementThe Milford Bank 401(k) Prof…$18M
End-of-year total assets ($M) among Smart Financial Credit Union 401(k) Plan and nearest nationwide 401(k) peers. Source: DOL Form 5500 plan year 2022.

Texas filing particulars

Total Assets (Beginning of Year)$21M
Net Assets (End of Year)$18M
Net Income-$3M
Employer EIN740695355
Plan Effective Date1986-01-01
Filing StatusFILING RECEIVED

Sponsor Plan History (Smart Financial Credit Union)

Sponsor-wide plan assets over time

All Smart Financial Credit Union plans reported in each filing year

Latest sponsor-wide plan assets
$73M 16.764038376449804% vs 2022
2024 filing year
$60M$65M$70M$75M 202220232024 $62.9M $73.4M ▲ +16.8%
Year Plans Participants Total Assets
2022 2 335 $63M
2023 2 347 $66M
2024 2 363 $73M

Nearby 401(k) Plans in Texas

Peer 401(k) plans, same state, same plan type, ranked by total assets.

Smart Financial Credit Union 401(k) Plan vs. nearby 401(k) plans in Texas, assets vs. participants Scatter plot of 6 data points. -50000050000100000150000200000 -10010203040 Total assets ($B) Participants Smart Financial Credit Union 401(k) Plan, Total assets ($B): 0.01804363 · Participants: 176Smart Financial Credit Union 401(k) PlanAT&T Retirement Savings Plan, Total assets ($B): 37.578871 · Participants: 144503AT&T Retirement Savings PlanExxonmobil Savings Plan, Total assets ($B): 21.266 · Participants: 23619Exxonmobil Savings PlanCaterpillar 401(k) Savings Plan, Total assets ($B): 13.794958016 · Participants: 38538Caterpillar 401(k) Savings PlanAmerican Airlines, Inc. 401(k) Plan, Total assets ($B): 12.806443202 · Participants: 85577American Airlines, Inc. 401(k) PlanDell Inc. 401(k) Plan, Total assets ($B): 11.969059 · Participants: 47532Dell Inc. 401(k) Plan
Smart Financial Credit Union 401(k) Plan vs. nearby 401(k) plans in Texas, assets vs. participants
Compare Smart Financial Credit Union 401(k) Plan side-by-side with 3 peers →

Smart Financial Credit Union 401(k) Plan's out-of-state 401(k) peers by assets and headcount

Outside Texas, the nearest 401(k) by assets is Airship Group Inc. 401(k) Profit Sharing Plan and Trust in OR ($18M); by covered participants it is Spin-Off Termination Plan for Arranta Bio Ma, LLC in MA (176 participants). Same-state nearby plans are listed separately above.

Similar participant headcount

Nearest other-state filings by covered participants (176 participants); asset peers above are excluded.

DOL Form 5500 plan year 2022. Asset totals can differ widely at the same headcount; neither axis is a quality rating.

Frequently Asked Questions

How did Smart Financial Credit Union 401(k) Plan assets move in 2022? ▼
Smart Financial Credit Union 401(k) Plan pulled back noticeably - down 14.2% during 2022, from $21M to $18M. Reported net income was -$3M.
How have Smart Financial Credit Union plan assets changed over time? ▼
Across 3 plan years on file (2022-2024), Smart Financial Credit Union's sponsor-wide assets grew 16.8%, from $63M to $73M.
Where does Smart Financial Credit Union 401(k) Plan rank by assets among Form 5500 filers? ▼
Smart Financial Credit Union 401(k) Plan ranks in the 76th percentile by end-of-year assets among 139,126 plans that reported assets for plan year 2022 (in the top quartile of all filed plans by assets).
Which 401(k) plans are similar in size to Smart Financial Credit Union 401(k) Plan? ▼
Among 401(k) plans in other states, the closest by assets is Airship Group Inc. 401(k) Profit Sharing Plan and Trust in OR ($18M, 202 participants).
Which 401(k) plans cover a similar participant headcount to Smart Financial Credit Union 401(k) Plan? ▼
Among 401(k) plans in other states, the closest by covered participants is Spin-Off Termination Plan for Arranta Bio Ma, LLC in MA (176 participants, N/A in assets).

Source: U.S. Department of Labor, Employee Benefits Security Administration (EBSA), Form 5500 public disclosure dataset. Plan year 2022.

Source: DOL EFAST2 filing system (efast.dol.gov) - original filing retrieval by EIN 740695355.

Read our methodology - how this data is sourced, computed, and verified.

Data sourced from U.S. Department of Labor Form 5500 filings (EBSA). See our methodology for details.