Filings through Sep 24, 2026.

Retirement plan

Community Heritage Financial 401(k) Plan

Name: COMMUNITY HERITAGE FINANCIAL - COMMUNITY HERITAGE FINANCIAL 401 (K) PLAN (2024) Form 5500
Creator: COMMUNITY HERITAGE FINANCIAL
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, COMMUNITY HERITAGE FINANCIAL 401 (K) PLAN, COMMUNITY HERITAGE FINANCIAL

Community Heritage FinancialEIN 83-1950225Plan #001PY 2024

24 W. MAIN STREET P.O. BOX 75 - MIDDLETOWN, MD 217690075301-371-6700

Prospect flagsHigh feesLow employer contributionFailed to transmit contributionsPossible retail share class: $258KFew collective trustsFund lineup: 10 funds, $10.3M

How to read this page

Total assets (EOY)

$10.3M

+15.1% from 2023

Total participants

204

+9.1% from 2023

Average account balance

$53,875

+2.5% from 2023

Annual return

12.85%

-11.26 pp from 2023

Benchmarks

See 2,180 peers

Peer group

Industry52 - Finance and Insurance

Plan typeDefined contribution

Participants100-249

Cohort2,180 peers

Snapshot2024

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Analytics

See the 5-year trajectory with Solo.

Service providers

Top 5 by compensation

Provider	Service type	Compensation
MASSACHUSETTS MUTUAL LIFE INS. CO.1 year Filed as: MML INVESTORS SERVICES LLC Service code 27 PO BOX 9500 · SPRINGFIELD, MA 011029500	Advisory (Plan)	$29,251
GREAT-WEST LIFE & ANNUITY INSURANCE3 years Filed as: EMPOWER ANNUITY INSURANCE CO. OF AM Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111	Recordkeeping Fees	$20,669
TRIBRIGE PARTNERS FINANCIAL LLC1 year Service code 27 6721 COLUMBIA GATEWAY DR · COLUMBIA, MD 21046	Advisory (Plan)	$17,559
TIGERS EYE BENEFITS CONSULTING4 years Filed as: TIGER'S EYE BENEFITS CONSULTING Service code 13 147 WEST WASHINGTON STREET · HAGERSTOWN, MD 21740	Contract Administrator	$11,190
GREAT-WEST LIFE & ANNUITY INSURANCE3 years Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111	Investment Management	$2,038

Fund lineup

CSV with Pro

10 funds of $250K or more; 32 lines in all, holding $10.3M of the plan's $10.3M. From the 2024 filing. Recordkeeper: Empower.

In collective trusts3%median 0% for plans of $5M to $50M (34,889 plans)

In index funds4%median 21% for plans of $5M to $50M (34,889 plans)

In the main target-date series0%median 35% for plans of $5M to $50M (34,889 plans)

Employer stockNo

Fund	Manager	Vehicle	Dollars	% of funds%
Great Gray Trust American Funds 2035 I Capital Group · Mutual fund	Capital Group	Mutual fund	$1.9M	18.1%
Great Gray Trust American Funds 2045 I Capital Group · Mutual fund	Capital Group	Mutual fund	$1.5M	14.9%
Great Gray Trust American Funds 2030 I Capital Group · Mutual fund	Capital Group	Mutual fund	$1.4M	13.5%
Great Gray Trust American Funds 2025 I Capital Group · Mutual fund	Capital Group	Mutual fund	$1.2M	11.4%
Great Gray Trust American Funds 2040 I Capital Group · Mutual fund	Capital Group	Mutual fund	$1.0M	9.7%
Great Gray Trust American Funds 2050 I Capital Group · Mutual fund	Capital Group	Mutual fund	$537K	5.2%
Great Gray Trust American Funds 2060 I Capital Group · Mutual fund	Capital Group	Mutual fund	$355K	3.5%
Great Gray Trust American Funds 2055 I Capital Group · Mutual fund	Capital Group	Mutual fund	$354K	3.4%
Great Gray Trust American Funds 2015 I Capital Group · Mutual fund	Capital Group	Mutual fund	$310K	3.0%
Fidelity 500 Index Fund Fidelity (FMR) · Mutual fund Index	Fidelity (FMR)	Mutual fund	$251K	2.4%

See the other 22 lines in this lineup with Solo.

Covers 60,908 large plans that list their funds in their annual filing. Updated Nov 2, 2026. Shares describe these plans, not the whole market.

Plan features & details

Pension benefit codes2A2E2F2G2J2K2S2T3D

Plan features

2A
Age/service weighted or new comparability plan
Age/service weighted plan where allocations are based on age service or age and service; or new comparability or similar plan where allocations are based on participant classifications consisting entirely or predominantly of highly compensated employees or the plan provides an additional allocation rate on compensation above a specified threshold that exceeds the permitted disparity limits of Code section 401(l).
2E
Profit-sharing
Profit-sharing plan.
2F
ERISA section 404(c) plan
This plan or any part of it is intended to meet the conditions of 29 CFR 2550.404c-1 (shifting investment responsibility to participants).
2G
Total participant-directed account plan
Participants have the opportunity to direct the investment of all of the assets allocated to their individual accounts regardless of whether 29 CFR 2550.404c-1 is intended to be met.
2J
Code section 401(k) feature
Cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan under which employees may elect to defer part of their compensation or receive these amounts in cash.
2K
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 contributions to the plan. Not applicable to 401(k) plans with only QNECs and/or QMACs or to 403(b)(1) 403(b)(7) or 408 arrangements.
2S
Automatic enrollment
Plan provides for automatic enrollment in plan that has elective contributions deducted from payroll.
2T
Default investment account
Total or partial participant-directed account plan where plan uses a default investment account for participants who fail to direct assets in their account.
3D
Pre-approved pension plan
A master prototype or volume submitter plan that is the subject of a favorable opinion or advisory letter from the IRS.

Opportunity flags

3 tripped

OpportunityLow employer contribution
Employer contribution per participant is in the bottom quintile of the peer cohort.
OpportunityHigh fees
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
ComplianceFailed to transmit contributions
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).

Expense breakdown

Schedule H Part II

Admin total

$81K

$467 / participant

Recordkeeping$21K25.6%
Investment mgmt$49K60.5%
Contract admin$11K13.9%

% of EOY assets

0.780%

all-in expense ratio

Categories reported

3 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

The auditor signed off without reservation. This is the cleanest opinion.

Auditor firm: SMITH ELLIOTT KEARNS & CO., LLC
Auditor EIN: 520783935
Audit fees: $0
Opinion code: Unqualified

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Provider

Service type

Compensation

MASSACHUSETTS MUTUAL LIFE INS. CO.1 year

Filed as: MML INVESTORS SERVICES LLC

Service code 27

PO BOX 9500 · SPRINGFIELD, MA 011029500

Advisory (Plan)

$29,251

GREAT-WEST LIFE & ANNUITY INSURANCE3 years

Filed as: EMPOWER ANNUITY INSURANCE CO. OF AM

Service code 64

8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111

Recordkeeping Fees

$20,669

TRIBRIGE PARTNERS FINANCIAL LLC1 year

Service code 27

6721 COLUMBIA GATEWAY DR · COLUMBIA, MD 21046

Advisory (Plan)

$17,559

TIGERS EYE BENEFITS CONSULTING4 years

Filed as: TIGER'S EYE BENEFITS CONSULTING

Service code 13

147 WEST WASHINGTON STREET · HAGERSTOWN, MD 21740

Contract Administrator

$11,190

GREAT-WEST LIFE & ANNUITY INSURANCE3 years

Filed as: EMPOWER ADVISORY GROUP, LLC

Service code 28

8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111

Investment Management

$2,038

Fund

Dollars

% of funds%

Great Gray Trust American Funds 2035 I

Capital Group · Mutual fund

$1.9M

18.1%

Great Gray Trust American Funds 2045 I

Capital Group · Mutual fund

$1.5M

14.9%

Great Gray Trust American Funds 2030 I

Capital Group · Mutual fund

$1.4M

13.5%

Great Gray Trust American Funds 2025 I

Capital Group · Mutual fund

$1.2M

11.4%

Great Gray Trust American Funds 2040 I

Capital Group · Mutual fund

$1.0M

9.7%

Great Gray Trust American Funds 2050 I

Capital Group · Mutual fund

$537K

5.2%

Great Gray Trust American Funds 2060 I

Capital Group · Mutual fund

$355K

3.5%

Great Gray Trust American Funds 2055 I

Capital Group · Mutual fund

$354K

3.4%

Great Gray Trust American Funds 2015 I

Capital Group · Mutual fund

$310K

3.0%

Fidelity 500 Index Fund

Fidelity (FMR) · Mutual fund

Index

$251K

2.4%

Community Heritage Financial 401(k) Plan

Summary metrics

Benchmarksi

Analytics

Service providersi

Fund lineupi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

Community Heritage Financial 401(k) Plan

Summary metrics

Benchmarksi

Analytics

Service providersi

Fund lineupi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

Benchmarks

Service providers

Fund lineup

Opportunity flags

Expense breakdown

Audit opinion

Benchmarks

Service providers

Fund lineup

Opportunity flags

Expense breakdown

Audit opinion