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Original filing (PDF)20251014132439NAL0006048930001
THE HERITAGE AUTOMOTIVE GROUP, INC.
Form 5500
FILING_RECEIVED
THE HERITAGE AUTOMOTIVE GROUP, INC. 401(K) PROFIT SHARING PLAN
401(k) retirement plan
Signals · 2
50% in single holdingNo recordkeeper disclosed
Active participants
315
Accounts w/ balance
321
Plan assets (EOY)
$24.8M
Net assets (EOY)
$24.8M
How this plan invests
This plan
31 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
84
/ 100
Grade B
Above-average plan
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
100
Concentration risk
75
Total plan cost
65
Vendor stack
80
Participation health
100
Knocking points off
- Top holding "SEI Aggressive Strategy F 845,255 shares" is 50% of plan.
- 60 bps in Schedule C fees — 106% above peer band of 29 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for THE HERITAGE AUTOMOTIVE GROUP, INC..
Plan sponsor
Name
THE HERITAGE AUTOMOTIVE GROUP, INC.
EIN
03-0284529
Address
30 GREEN MOUNTAIN DRIVE · SOUTH BURLINGTON, VT · 05403
Phone
(802) 865-8289
Industry
Retail Tradesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
003
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-14
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2S · Automatic enrollment
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
A.M. PEISCH & COMPANY, LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsAdvisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| OSAIC WEALTH INC | 93-0987232 | — | INVESTMENT ADVISORY | $95K | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PRINCIPAL LIFE INSURANCE COMPANY | 42-0127290 | — | CONTRACT ADMINISTRATOR | $53K | — |
Investments
31 direct securities· $24.7M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| SEI Aggressive Strategy F 845,255 shares | — | — | — | $12.3M | 49.4% | |
| SEI Market Growth Strategy F 189,975 shares | — | — | — | $2.3M | 9.4% | |
| SEI S&P 500 Index I 21,711 shares | — | — | — | $2.1M | 8.3% | |
| SEI Moderate Strategy F 73,022 shares | — | — | — | $835K | 3.4% | |
| American Funds Target Date Retirement 2030 R6 45,622 shares | — | — | — | $789K | 3.2% | |
| American Funds Target Date Retirement 2035 R6 39,011 shares | — | — | — | $743K | 3.0% | |
| SEI Conservative Strategy F 52,264 shares | — | — | — | $534K | 2.2% | |
| American Funds Target Date Retirement 2060 R6 24,709 shares | — | — | — | $443K | 1.8% | |
| American Funds Target Date Retirement 2050 R6 20,919 shares | — | — | — | $437K | 1.8% | |
| American Funds Target Date Retirement 2040 R6 21,039 shares | — | — | — | $433K | 1.7% | |
| Participant loans 4.25% to 9.50% - 0 - | — | — | — | $410K | 1.7% | |
| American Funds Target Date Retirement 2045 R6 19,208 shares | — | — | — | $407K | 1.6% | |
| American Funds Target Date Retirement 2065 R6 23,209 shares | — | — | — | $406K | 1.6% | |
| BlackRock Lifepath Index Retirement Fund 25 shares ** 347 Calvert Balanced I 7,728 shares | — | — | — | $352K | 1.4% | |
| Vanguard Total Bond Market Index Admiral 35,229 shares | — | — | — | $334K | 1.3% | |
| Vanguard Total International Stock Index Admiral 10,199 shares | — | — | — | $323K | 1.3% | |
| SEI Ultra Short Duration Bond F 30,313 shares | — | — | — | $283K | 1.1% | |
| American Funds Target Date Retirement 2055 R6 9,615 shares | — | — | — | $254K | 1.0% | |
| American Funds Target Date Retirement 2025 R6 15,581 shares | — | — | — | $237K | 1.0% | |
| BlackRock LifePath Index 2035 K 11,571 shares | — | — | — | $218K | 0.9% | |
| BlackRock LifePath Index 2060 K 10,064 shares | — | — | — | $217K | 0.9% | |
| American Century Sustainable Equity R6 2,262 shares | — | — | — | $120K | 0.5% | |
| Fidelity International Sustainability Index Fund 6,983 shares | — | — | — | $84K | 0.3% | |
| PIMCO Total Return ESG Fund 23 shares ** 175 PIMCO Total Return Institutional Fund 7,113 shares | — | — | — | $60K | 0.2% | |
| BlackRock Lifepath Index 2045 K 8 shares ** 173 BlackRock LifePath Index 2050 K 1,767 shares | — | — | — | $41K | 0.2% | |
| American Funds Target Date Retirement 2070 R6 78 shares ** 847 BlackRock LifePath Index 2030 K 1,979 shares | — | — | — | $34K | 0.1% | |
| (E) | — | — | — | $14K | <0.1% | |
| American Funds Target Date Retirement 2020 R6 1,031 shares | — | — | — | $14K | <0.1% | |
| BlackRock LifePath Index 2065 K 494 shares | — | — | — | $7K | <0.1% | |
| BlackRock Lifepath Index 2040 K 133 shares | — | — | — | $3K | <0.1% | |
| BlackRock LifePath Index 2055 K 112 shares | — | — | — | $3K | <0.1% |