Sandia Laboratory Federal Credit Union 401(k) Plan: Login, Facts & Contact Information

Sandia Laboratory Federal Credit Union 401(k) Plan Facts

Plan name
SUNWARD FEDERAL CREDIT UNION 401(K) PLAN AND TRUST
Plan type
401(k) with employer contributions and profit sharing
Plan sponsor
SUNWARD FEDERAL CREDIT UNION
Participants
706 (535 active employees)
Former employees with a balance
141
Plan assets
$45,206,792 at Dec 31, 2024
Average account balance
$74,846 across 604 accounts
Employer contributions
$1,448,148 in plan year 2024 (28% of all contributions)
Recordkeeper
Cmfg Life Insurance Company
Plan year
Jan 1, 2024 – Dec 31, 2024
Plan established
Mar 15, 1998
✓ Employer contributions✓ Automatic enrollment✓ Default investment for undecided participants✓ Participants choose their own investments— Self-directed brokerage window✓ Profit sharing— Company stock (ESOP)

Source: Form 5500 for plan year 2024 (Jan 1, 2024 – Dec 31, 2024), filed Oct 8, 2025. Public filing with the U.S. Department of Labor.

Money in and out in plan year 2024

  • $5.21 million went into the plan in contributions, $1.45 million of it from the employer (28%).
  • $4.25 million was paid out to participants.
  • Investment and other income added $5.03 million.
  • Administrative expenses were $73,918, about $122 per account.

How the Sandia Laboratory Federal Credit Union 401(k) changed, 2019–2024

Plan yearParticipantsPlan assetsEmployer contributionsBenefits paid
2019417$28.0 million$696,418$2.15 million
2020426$31.8 million$749,242$1.88 million
2021442$39.0 million$789,418$4.54 million
2022531$33.8 million$1.01 million$3.01 million
2023577$39.3 million$1.24 million$4.27 million
2024706$45.2 million$1.45 million$4.25 million

Sandia Laboratory Federal Credit Union 401(k) Contact Information

Phone
505-293-0500
Mailing address
PO BOX 23040, ALBUQUERQUE NM 871921040
Plan sponsor
SUNWARD FEDERAL CREDIT UNION
Employer identification number (EIN)
85-0113445
Plan number
002

Questions about the Sandia Laboratory Federal Credit Union 401(k)

Does Sandia Laboratory Federal Credit Union contribute to the 401(k)?

Yes. The plan reports an employer contribution arrangement. In plan year 2024 the employer contributed $1.45 million, 28% of all contributions.

Does the Sandia Laboratory Federal Credit Union 401(k) have automatic enrollment?

Yes. The plan reports automatic enrollment of eligible employees.

How many people are in the Sandia Laboratory Federal Credit Union 401(k) plan?

706 participants at the start of plan year 2024, 535 of them active employees, and 141 former employees who still had money in the plan.

What is the average 401(k) balance at Sandia Laboratory Federal Credit Union?

About $74,846 per account: $45.2 million in plan assets across 604 accounts with a balance at the end of plan year 2024.

Who manages the Sandia Laboratory Federal Credit Union 401(k) accounts?

CMFG LIFE INSURANCE COMPANY is the plan's recordkeeper, which is where participants log in to see their balance.

I no longer work at Sandia Laboratory Federal Credit Union. How do I access my 401(k)?

Your account stays with CMFG LIFE INSURANCE COMPANY after you leave, so you can log in with the same credentials. If your balance was small, the plan may have rolled it into an IRA in your name. If you can't find it, Beagle can locate it for you.

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