Retirement plan

HERITAGE 401(K) PLAN

Name: HERITAGE COMPANIES, LLC - HERITAGE 401(K) PLAN (2025) Form 5500
Creator: HERITAGE COMPANIES, LLC
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, HERITAGE 401(K) PLAN, HERITAGE COMPANIES, LLC

HERITAGE COMPANIES, LLCEIN 85-4294289Plan #001PY 2025

PO BOX 668 - DOWNEY, CA 90241562-927-5511

Prospect flagsLow returnsLow participation

How to read this page

Total assets (EOY)

$34.2M

+12.0% from 2024

Total participants

823

-15.8% from 2024

Average account balance

$101,813

-10.0% from 2024

Annual return

6.31%

-18.90 pp from 2024

Benchmarks

See 49 peers

Peer group

Industry31 - Manufacturing

Plan typeDefined contribution

Participants250-999

Cohort49 peers

Snapshot2025

Free accounts unlock saves, downloads, and 3-year history.

Analytics

Total assets (EOY)

Plan-year ending balance

$34.21M

Not enough data

1 years with asset history on file

Average account balance

Total assets / participants with a balance (line 6g)

$102K

Not enough data

1 years with per-participant data

Participants with account balance

Stacked by status: active / separated vested / retired or beneficiary. Total = line 6g.

336

Not enough data

1 years with headcount on file

Eligible Participants and Participation

Bars: eligible actives (line 6a). Line: derived rate = active employees with a balance / 6a.

36.9%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$2.93M

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$4K

Not enough data

1 years with per-participant contribution data

Asset flow

BOY + contributions + return - distributions = EOY

Year

Annual return

Diverging bars; negative years highlighted

+6.31%

Not enough data

1 years with return on file

Admin fee / account holder

Total admin expenses / participants with a balance (line 6g)

$130

Not enough data

1 years with admin cost on file

Asset composition

Cash / stocks / bonds / mutual funds / real estate / loans over time

Not enough data

1 years with F_SCH_H allocation on file

Free accounts unlock saves, downloads, and 3-year history.

Service providers

Top 3 by compensation

Provider	Service type	Compensation
FIDELITY INVESTMENTS INSTITUTIONAL4+ years Service code 37 · EIN 04-2647786	Loan Processing	$23,851
FIDUCIARY EXPERTS LLC4+ years Service code 27 · EIN 26-1851437	Advisory (Plan)	$15,000
FRAZER, LLP4+ years Service code 10 · EIN 95-4108809	Accounting	$5,000

Plan features & details

Pension benefit codes2F2G2J2K2T2E3D2R

Plan features

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.
2R
Participant-directed brokerage accounts
Participant-directed brokerage accounts provided as an investment option under the plan.
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

2 tripped

OpportunityLow participation
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
OpportunityLow returns
Annual investment return is in the bottom quintile of the peer cohort.

Expense breakdown

Schedule H Part II

Admin total

$44K

$57 / participant

Recordkeeping$24K54.2%
Investment mgmt$15K34.4%
Other / not subdivided$5K11.5%

% of EOY assets

0.128%

all-in expense ratio

Categories reported

2 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

Auditor firm: FRAZER, LLP
Auditor EIN: 954108809
Audit fees: $5,000
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$101,813

$61,315+66.1%

$90,259+12.8%

$64,728+57.3%

Participation rate

36.9%

51.1%-14.2pp

70.7%-33.8pp

57.9%-21.0pp

Annual return

6.31%

19.46%-13.1pp

18.88%-12.6pp

49.38%-43.1pp

Employer contribution / active EE

$1,167

$1,602-27.1%

$2,291-49.0%

$2,243-47.9%

Participant deferral / active EE

$2,634

$2,408+9.4%

$3,827-31.2%

$2,729-3.5%

Admin fee / account holder

$130

$1,726-92.5%

$7,267-98.2%

$1,145-88.7%

Provider

Service type

Compensation

FIDELITY INVESTMENTS INSTITUTIONAL4+ years

Service code 37 · EIN 04-2647786

Loan Processing

$23,851

FIDUCIARY EXPERTS LLC4+ years

Service code 27 · EIN 26-1851437

Advisory (Plan)

$15,000

FRAZER, LLP4+ years

Service code 10 · EIN 95-4108809

Accounting

$5,000

HERITAGE 401(K) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

HERITAGE 401(K) PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

Benchmarks

Service providers

Opportunity flags

Expense breakdown

Audit opinion

Benchmarks

Service providers

Opportunity flags

Expense breakdown

Audit opinion