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Original filing (PDF)20251010064654NAL0017858434001
HERITAGE FEDERAL CREDIT UNION
Form 5500
FILING_RECEIVED
HERITAGE FEDERAL CREDIT UNION 401(K) PLAN
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
200
Accounts w/ balance
251
Plan assets (EOY)
$20.0M
Net assets (EOY)
$20.0M
How this plan invests
This plan
5 pooled trusts
Schedule D
22 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
93
/ 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
80
Vendor stack
80
Participation health
100
Knocking points off
- 37 bps in Schedule C fees — modestly 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 HERITAGE FEDERAL CREDIT UNION.
Plan sponsor
Name
HERITAGE FEDERAL CREDIT UNION
EIN
35-1155006
Address
PO BOX 189 · NEWBURGH, IN · 476290189
Phone
(812) 853-7306
Industry
Finance & Insurancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
033
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-10
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
FORVIS MAZARS, LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsAdvisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| GLOBAL RETIREMENT PARTNERS LLC | 47-1411118 | — | INVESTMENT ADVISORY | $0 | — |
TPA / Administrator
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PRINCIPAL LIFE INSURANCE COMPANY | 42-0127290 | — | CONTRACT ADMIN | $58K | — |
| COMPENSATION SYSTEMS INC | 35-1277460 | — | CONTRACT ADMIN | $17K | — |
Investments
18 direct securities · 5 pooled funds· $23.3M(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
$16.9M
17 holdings
Pooled Separate Account
$5.0M
2 holdings
Common Collective Trust
$1.0M
3 holdings
Mutual Funds
$408K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Principal Guaranteed Option 4.85% | — | — | — | $4.3M | 21.6% | |
| Principal Core Fixed Income Separate Account 209,099 shares | — | — | $209K | $3.7M | 18.7% | |
| PRIN CORE FIX INC ACCT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 118 | Pooled Separate Account | — | — | $3.7M | 18.7% | |
| JPMorgan Large Cap Growth Fund 22,090 shares | — | — | $22K | $1.8M | 9.3% | |
| MFS Value Fund 34,742 shares | — | — | $35K | $1.7M | 8.4% | |
| Fidelity 500 Index Fund 6,930 shares | — | — | $7K | $1.4M | 7.1% | |
| T. Rowe Price Global Stock Fund 21,983 shares | — | — | $22K | $1.4M | 6.9% | |
| PRINCIPAL OVERSEAS SEP ACCT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 116 | Pooled Separate Account | — | $49K | $1.3M | 6.3% | |
| Fidelity Freedom Index 2045 Fund 22,806 shares | — | — | $23K | $591K | 3.0% | |
| Fidelity Mid Cap Index Fund 14,846 shares | — | — | $15K | $501K | 2.5% | |
| MID CAP VALU R1 FUND GREAT GRAY TRUST COMPANY · EIN 38-4139852 / PN 630 | Common Collective Trust | — | $29K | $466K | 2.3% | |
| Allspring Special Small Cap Value Fund 10,143 shares | Mutual Funds | — | $10K | $408K | 2.0% | |
| Fidelity Small Cap Index Fund 14,698 shares | — | — | $15K | $407K | 2.0% | |
| Vanguard Extended Market Index Fund 2,096 shares | — | — | $2K | $302K | 1.5% | |
| Participant Loans Various maturity dates through February 2054; interest rates from 4.25% to 9.50% | — | — | — | $280K | 1.4% | |
| MFS MID CAP GROWTH FUND CL 2W GREAT GRAY TRUST COMPANY · EIN 38-4126294 / PN 597 | Common Collective Trust | — | $17K | $278K | 1.4% | |
| CLEARBRIDGE SM CAP GROWTH CIT R GREAT GRAY TRUST COMPANY · EIN 38-4065336 / PN 434 | Common Collective Trust | — | $18K | $263K | 1.3% | |
| Fidelity Freedom Index 2050 Fund 5,078 shares | — | — | $5K | $132K | 0.7% | |
| Fidelity Freedom Index 2040 Fund 3,952 shares | — | — | $4K | $97K | 0.5% | |
| Fidelity Freedom Index 2035 Fund 3,841 shares | — | — | $4K | $90K | 0.4% | |
| Fidelity Freedom Index 2065 Fund 5,124 shares | — | — | $5K | $75K | 0.4% | |
| Fidelity Freedom Index 2055 Fund 1,429 shares | — | — | $1K | $31K | 0.2% | |
| Fidelity Freedom Index 2060 Fund 1,464 shares | — | — | $1K | $27K | 0.1% |