Plan Snapshot
- Plan Sponsor: Heritage Family Federal Credit Union
- Sponsor EIN: 030214269
- Sponsor Address: 30 ALLEN ST., RUTLAND, VT, 057014834
- Plan Type: 401(k)
- Total Participants: 167
- Total Assets: $15.1M
Key Plan Design Features
- Auto-Enrollment: Yes
- Auto-Escalation: No
- Allows Roth Contributions: Yes
- 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 | 167 | $15.1M | $428,835 | $872,399 |
| 2023 | 163 | $15.2M | $265,290 | $849,557 |
| 2022 | 154 | $12.9M | $229,171 | $824,775 |
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 |
|---|---|---|---|---|
| MCSOLEY MCCOY & CO | Auditor | — | — | $0 |
Plan Fees & Expenses
Annual service provider fees and administrative expenses sourced from DOL Form 5500 filings.
- Total Service Provider Fees: $0
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 | $23,221 | — | $23,221 | — | — |
| 2023 | $7,792 | — | $7,792 | — | — |
| 2022 | $7,647 | — | $7,647 | — | — |