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Original filing (PDF)20250917143846NAL0001336354001
HERITAGE OPERATIONS GROUP, LLC
Form 5500
FILING_RECEIVED
HERITAGE OPERATIONS GROUP, LLC RETIREMENT SAVINGS PLAN
401(k) retirement plan
Active participants
567
Accounts w/ balance
912
Plan assets (EOY)
$20.8M
Net assets (EOY)
$20.8M
How this plan invests
This plan
6 pooled trusts
Schedule D
29 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
91
/ 100
Grade A
Top-tier plan health
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
100
Concentration risk
100
Total plan cost
65
Vendor stack
100
Participation health
100
Knocking points off
- 51 bps in Schedule C fees — 76% above peer band of 29 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for HERITAGE OPERATIONS GROUP, LLC.
Plan sponsor
Name
HERITAGE OPERATIONS GROUP, LLC
EIN
20-3902357
Address
115 W JEFFERSON STREET SUITE 401 · BLOOMINGTON, IL · 61701
Phone
(309) 823-7118
Industry
Health Care & Social Assistancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
001
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-09-17
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)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
MCK, CPAS & ADVISORS
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INS CO OF AMERICA | — | GREENWOOD VILLAGE, CO | RECORDKEEPER | $74K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MMA SECURITIES LLC | — | NEW YORK, NY | INVESTMENT ADVISOR | $33K | — |
Investments
26 direct securities · 6 pooled funds· $20.8M(100% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Click one to drill into its own Schedule of Assets — where the individual funds, shares, and CUSIPs live.
Uncategorized
$17.9M
26 holdings
Common Collective Trust
$3.0M
6 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard 500 Index Admiral | — | — | — | $4.4M | 21.3% | |
| iShares MSCI EAFE International Index K | — | — | — | $2.8M | 13.6% | |
| LARGE CAP GROWTH FUND II FEE CLASS GREAT GRAY · EIN 31-4139848 / PN 626 | Common Collective Trust | — | — | $1.5M | 7.3% | |
| Empower Key Guaranteed Portfolio | — | — | — | $1.5M | 7.3% | |
| LARGE CAP VALUE FUND II CL R1 GREAT GRAY · EIN 38-7264544 / PN 707 | Common Collective Trust | — | — | $1.3M | 6.4% | |
| BNY Mellon BNY Mellon Bond Market Index I | — | — | — | $1.2M | 5.9% | |
| Baird Core Plus Bond Institutional | — | — | — | $1.1M | 5.1% | |
| PIMCO International Bond Institutional | — | — | — | $1.0M | 4.9% | |
| JPMorgan Mid Cap Growth R6 | — | — | — | $1.0M | 4.9% | |
| Allspring Special Mid Cap Value R6 | — | — | — | $843K | 4.0% | |
| PIMCO Income Institutional | — | — | — | $821K | 3.9% | |
| Vanguard Explorer Admiral | — | — | — | $708K | 3.4% | |
| DFA Emerging Markets Core Equity I | — | — | — | $694K | 3.3% | |
| Allspring Small Company Value R6 | — | — | — | $491K | 2.4% | |
| Participant loans 5.25% - 10.50%; Maturity 2024-2031 | — | — | — | $301K | 1.4% | |
| Vanguard Small Cap Index Admiral | — | — | — | $176K | 0.8% | |
| American Funds American Funds New Perspective R6 | — | — | — | $162K | 0.8% | |
| Fidelity Mid Cap Index | — | — | — | $131K | 0.6% | |
| INTERNATIONAL GROWTH FUND II R1 GREAT GRAY · EIN 38-4139842 / PN 000 | Common Collective Trust | — | — | $92K | 0.4% | |
| American Funds American Funds Income Fund of America R6 | — | — | — | $84K | 0.4% | |
| BlackRock Lifepath Index 2030 K | — | — | — | $66K | 0.3% | |
| BlackRock Lifepath Index 2060 K ** 451 BlackRock Lifepath Index Retirement K | — | — | — | $55K | 0.3% | |
| BlackRock Lifepath Index 2055 K | — | — | — | $51K | 0.2% | |
| BlackRock High Yield Bond Portfolio K | — | — | — | $48K | 0.2% | |
| DFA Real Estate Securities I | — | — | — | $41K | 0.2% | |
| Nuveen Inflation Linked Rond R6 | — | — | — | $31K | 0.2% | |
| BlackRock Lifepath Index 2045 K | — | — | — | $17K | <0.1% | |
| BlackRock Lifepath Index 2050 K | — | — | — | $12K | <0.1% | |
| Franklin Templeton Franklin Utilities R6 | — | — | — | $1K | <0.1% | |
| GGT WESTERN ASSET CORE PLUS BOND CI GREAT GRAY · EIN 82-4391232 / PN 000 | Common Collective Trust | — | — | $0 | <0.1% | |
| MID CAP VALUE FEE CLASS R1 GREAT GRAY · EIN 38-4139852 / PN 630 | Common Collective Trust | — | — | $0 | <0.1% | |
| MID CAP GROWTH FUND FEE CLASS R1 GREAT GRAY · EIN 38-4126247 / PN 549 | Common Collective Trust | — | — | $0 | <0.1% |
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