# Harbor Retirement Associates, LLC 401(k) Plan
Source: https://planprovider.pro/companies/harbor-retirement-associates-llc-401k-plan

> Harbor Retirement Associates, LLC's 401(k) plan: 757 participants, plan year 2024 financials, providers, and benchmarks from Form 5500.

Form 5500 filing data for plan year 2024.

## Plan Snapshot

- **Plan Sponsor:** Harbor Retirement Associates, LLC

- **Sponsor EIN:** 043585453

- **Sponsor Address:** 958 20TH PLACE 2ND FLOOR, VERO BEACH, FL, 32960

- **Plan Type:** 401(k)

- **Total Participants:** 757

- **Total Assets:** $7.5M

## Key Plan Design Features

- **Auto-Enrollment:** Yes

- **Auto-Escalation:** No

- **Allows Roth Contributions:** No

- **Participant Loans:** No

- **Participant-Directed Investments:** Yes

- **ERISA Section 404(c) Fiduciary Safe Harbor:** Yes

## Plan Financials by Year

| Year|Participants|Total Assets|Employer Contrib.|Employee Contrib.|

| 2024|757|$7.5M|$629,885|$1.0M|

| 2023|1,416|$7.5M|$705,738|$1.2M|

| 2022|1,399|$6.6M|$625,337|$1.1M|

## Service Providers (Schedule C)

Vendors paid $5,000 or more for services to the plan, ranked by total compensation (direct + indirect fees).

| Provider Name|
Role|
Direct Compensation|
Indirect Compensation|
Total Fees|

| EMPOWER ANNUITY INSURANCE COMPANY|RECORDKEEPER|$54,570|—|$54,570|

| ADVUS FINANCIAL PARTNERS LLC|INVESTMENT ADVISOR|$27,753|—|$27,753|

| EMPOWER ADVISORY GROUP, LLC|INVESTMENT MGMT|$7,367|—|$7,367|

| BERKOWITZ POLLACK BRANT|Auditor|—|—|$0|

### Verified Provider Profiles

Direct links to verified profiles of matched retirement plan providers on PlanProvider.Pro:

- [BERKOWITZ POLLACK BRANT](https://planprovider.pro/provider/berkowitz-pollack-brant) — Auditor

## Plan Fees & Expenses

Annual service provider fees and administrative expenses sourced from DOL Form 5500 filings.

- **Total Service Provider Fees:** $89,690

- **Estimated Expense Ratio:** 1.202% of plan assets

### Historical Administrative Expenses

Breakdown of administrative expense categories reported on Form 5500 filings.

| Year|
Total Admin Expenses|
Investment Mgmt Fees|
Contract Admin Fees|
IQPA Audit Fees|
Professional Fees|

| 2024|$90,690|$35,120|—|—|—|

| 2023|$70,059|$25,328|—|—|—|

| 2022|$52,710|$24,085|$28,625|—|—|

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[View full interactive plan profile on PlanProvider.Pro](https://planprovider.pro/companies/harbor-retirement-associates-llc-401k-plan)

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