# Heritage Financial Group, INC. 401(k) Plan
Source: https://planprovider.pro/companies/heritage-financial-group-inc-401k-plan

> Heritage Financial Group, INC.'s 401(k) plan: 93 participants, plan year 2024 financials, providers, and benchmarks from Form 5500.

Form 5500 filing data for plan year 2024.

## Plan Snapshot

- **Plan Sponsor:** Heritage Financial Group, INC.

- **Sponsor EIN:** 351517239

- **Sponsor Address:** 120 W. LEXINGTON AVENUE, ELKHART, IN, 46516

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

- **Total Participants:** 93

- **Total Assets:** $20.5M

## 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|93|$20.5M|$236,587|$439,148|

| 2023|88|$18.0M|$243,040|$457,676|

| 2022|96|$15.4M|$297,151|$462,588|

## 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|

| KRUGGEL, LAWTON & COMPANY, LLC|Auditor|$9,525|—|$9,525|

### Verified Provider Profiles

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

- [KRUGGEL, LAWTON & COMPANY, LLC](https://planprovider.pro/provider/kruggel-lawton-and-company-llc) — Auditor

## Plan Fees & Expenses

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

- **Total Service Provider Fees:** $9,525

- **Estimated Expense Ratio:** 0.046% 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|$96,381|—|$86,856|$9,525|—|

| 2023|$66,712|$4,587|$61,575|—|—|

| 2022|$80,254|—|—|—|—|

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