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Original filing (PDF)20251016102209NAL0003315251001
HARBOR INDUSTRIES, INC.
Form 5500
FILING_RECEIVED
HARBOR INDUSTRIES, INC. 401(K) PLAN
401(k) retirement plan
Active participants
182
Accounts w/ balance
210
Plan assets (EOY)
$14.6M
Net assets (EOY)
$14.6M
How this plan invests
This plan
8 pooled trusts
Schedule D
17 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
95
/ 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
100
Participation health
100
Knocking points off
- 36 bps in Schedule C fees — modestly above peer band of 29 bps.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for HARBOR INDUSTRIES, INC..
Plan sponsor
Name
HARBOR INDUSTRIES, INC.
EIN
38-0591933
Address
14130 172ND AVE · GRAND HAVEN, MI · 494179431
Phone
(616) 850-8252
Industry
Manufacturingsee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
004
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-16
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
DOEREN MAYHEW ASSURANCE
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MACATAWA BANK | 38-3378283 | — | RECORDKEEPER/BOOKKEEPER | $48K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| WILSHIRE ADVISORS LLC | 95-2755361 | — | INVESTMENT ADVISORY | $0 | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| PRINCIPAL LIFE INSURANCE COMPANY | 42-0127290 | — | CONTRACT ADMINISTRATOR | $4K | — |
Investments
12 direct securities · 8 pooled funds· $15.5M(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
$9.1M
12 holdings
Pooled Separate Account
$6.4M
7 holdings
Common Collective Trust
$0
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Principal Life Insurance Company Principal Fixed Income Guaranteed Option Account, at contract value | — | — | — | $3.4M | 23.6% | |
| PRIN CORE PLUS BOND SEP ACCT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 005 | Pooled Separate Account | — | — | $3.0M | 20.2% | |
| Vanguard Group Windsor II Admin Fund | — | — | — | $1.2M | 8.3% | |
| PRIN BLUE CHIP SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 133 | Pooled Separate Account | — | — | $1.2M | 8.2% | |
| Schwab Funds S&P 500 Index Fund | — | — | — | $1.1M | 7.3% | |
| Principal Life Insurance Company Diversified International Separate Account | — | — | — | $652K | 4.5% | |
| PRIN DIVERSIFIED INTL SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 015 | Pooled Separate Account | — | — | $652K | 4.5% | |
| PRINCIPAL OVERSEAS SEP ACCT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 116 | Pooled Separate Account | — | — | $620K | 4.3% | |
| The American Funds New World R6 Fund | — | — | — | $555K | 3.8% | |
| Vanguard Group Small Cap Index Admiral Fund | — | — | — | $472K | 3.2% | |
| Fidelity Investments Mid Cap Index Fund | — | — | — | $452K | 3.1% | |
| PRIN HIGH YIELD SEP ACCT-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 137 | Pooled Separate Account | — | — | $424K | 2.9% | |
| T. Rowe Price Funds Div MC GR I Fund | — | — | — | $363K | 2.5% | |
| PRIN REAL ESTATE SECS SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 095 | Pooled Separate Account | — | — | $291K | 2.0% | |
| Principal Life Insurance Company Mid Cap Value 1 Separate Account | — | — | — | $247K | 1.7% | |
| PRIN MIDCAP VALUE I SA-Z PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 043 | Pooled Separate Account | — | — | $247K | 1.7% | |
| Vanguard Group Explorer Admiral Fund | — | — | — | $244K | 1.7% | |
| Dimensional Fund Advisors US Small Cap Value 1 Fund | — | — | — | $224K | 1.5% | |
| Notes Receivable from Participants 4.25-9.50%, maturing on various dates through November 2029 | — | — | — | $163K | 1.1% | |
| RELIANCE TRUST SVF METLIFE RELIANCE TRUST COMPANY · EIN 46-6625485 / PN 001 | Common Collective Trust | — | — | $0 | <0.1% |
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