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Original filing (PDF)20251015143548NAL0002578323001
HRO RESOURCES
Form 5500
FILING_RECEIVED
HRO RESOURCES MULTIPLE EMPLOYER 401(K) PLAN
401(k) retirement plan
Signals · 4
No auditor on file28% in single holding~118 bps in Sched C feesNo recordkeeper disclosed
Active participants
518
Accounts w/ balance
257
Plan assets (EOY)
$6.0M
Net assets (EOY)
$6.0M
How this plan invests
This plan
34 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score
69
/ 100
Grade C
Average plan with room to improve
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
60
Concentration risk
86
Total plan cost
65
Vendor stack
80
Participation health
65
Knocking points off
- No independent qualified public accountant (IQPA) named.
- Top holding "Vanguard VTSAX - Vanguard Total Stock Market Index Admira" is 28% of plan.
- 118 bps in Schedule C fees — 126% above peer band of 52 bps.
- No recordkeeper disclosed on Schedule C.
- Only 50% as many balances as active participants — suggests many active employees aren't deferring.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for HRO RESOURCES.
Plan sponsor
Name
HRO RESOURCES
EIN
46-1925229
Address
700 ROCKMEAD DR. STE 212 · KINGWOOD, TX · 77339
Phone
(832) 486-9436
Industry
Professional & Technical Servicessee 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
2025-10-15
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
3D · Pre-approved plan (master / prototype / VS)
2V · PEO multiple-employer plan
Audit & trust (Schedule H)
Auditor
—
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
3 rowsTPA / Administrator
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| SLAVIC INTEGRATED ADMINISTRATION | 65-0608221 | — | TPA | $45K | — |
| HRO RESOURCES | 46-1925229 | — | PLAN ADMINISTRATOR | $15K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| SLAVIC MUTUAL FUND MANAGEMENT CORP | 59-2749576 | — | PORTFOLIO MGMT | $10K | — |
Investments
34 direct securities· $5.8M(98% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard VTSAX - Vanguard Total Stock Market Index Admira | — | — | — | $1.6M | 27.0% | |
| Vanguard VBILX - Vanguard Intermediate-Term Bond Index Ad | — | — | — | $699K | 11.7% | |
| Vanguard VFORX - Vanguard Target Retirement 2040 | — | — | — | $519K | 8.7% | |
| Vanguard VCSAX - Vanguard Consumer Staples Index | — | — | — | $413K | 6.9% | |
| Vanguard VFIFX - Vanguard Target Retirement 2050 | — | — | — | $364K | 6.1% | |
| Vanguard VMFXX - Vanguard Federal Money Market | — | — | — | $325K | 5.4% | |
| BlackRock BTMKX - iShares MSCI EAFE International Index K | — | — | — | $309K | 5.2% | |
| Vanguard VTIVX - Vanguard Target Retirement 2045 | — | — | — | $238K | 4.0% | |
| Vanguard VFFVX - Vanguard Target Retirement 2055 | — | — | — | $220K | 3.7% | |
| Vanguard VFIAX - Vanguard 500 Index Admiral | — | — | — | $165K | 2.8% | |
| Vanguard VIGAX - Vanguard Growth Index Admiral | — | — | — | $159K | 2.7% | |
| Vanguard VUIAX - Vanguard Utilities Index Admiral | — | — | — | $96K | 1.6% | |
| Vanguard VTTSX - Vanguard Target Retirement 2060 | — | — | — | $82K | 1.4% | |
| Vanguard VWUAX - Vanguard US Growth Admiral | — | — | — | $80K | 1.3% | |
| American Funds RNPGX - American Funds New Perspective R6 | — | — | — | $80K | 1.3% | |
| Vanguard VTTHX - Vanguard Target Retirement 2035 | — | — | — | $73K | 1.2% | |
| Participant Loans 4.25% to 9.50% | — | — | — | $69K | 1.1% | |
| Vanguard VSMAX - Vanguard Small Cap Index Admiral | — | — | — | $68K | 1.1% | |
| Vanguard VIMAX - Vanguard Mid Cap Index Admiral | — | — | — | $60K | 1.0% | |
| Vanguard VLXVX - Vanguard Target Retirement 2065 Inv | — | — | — | $56K | 0.9% | |
| Fidelity FXNAX - Fidelity US Bond Index | — | — | — | $33K | 0.6% | |
| Vanguard VTTVX - Vanguard Target Retirement 2025 | — | — | — | $31K | 0.5% | |
| Vanguard VTHRX - Vanguard Target Retirement 2030 | — | — | — | $19K | 0.3% | |
| American Funds RERGX - American Funds EuroPacifc R6 | — | — | — | $12K | 0.2% | |
| Vanguard VENAX - Vanguard Energy Index Admiral | — | — | — | $12K | 0.2% | |
| American Funds RBFGX - American Funds Bond Fund of America R6 | — | — | — | $10K | 0.2% | |
| Vanguard VMVAX - Vanguard Mid Cap Value Index Admiral 266 Vanguard VSGAX - Vanguard Small Cap Growth Index Adm | — | — | — | $9K | 0.1% | |
| Vanguard VSIAX - Vanguard Small Cap Value Index Adm | — | — | — | $8K | 0.1% | |
| Dimensional Fund Advisors DFREX - DFA Real Estate Securities | — | — | — | $7K | 0.1% | |
| Vanguard VTWNX - Vanguard Target Retirement 2020 | — | — | — | $6K | 0.1% | |
| Vanguard VSVNX - Vanguard Target Retirement 2070 | — | — | — | $3K | <0.1% | |
| Prudential PHYZX - Prudential High Yield Z | — | — | — | $2K | <0.1% | |
| Dimensional Fund Advisors DFCEX - DFA Emerging Markets Core Equity | — | — | — | $2K | <0.1% | |
| Nationwide NWJFX - Nationwide Ziegler NYSE Arca Tech 100 | — | — | — | $1K | <0.1% |
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