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Original filing (PDF)20250924144351NAL0008287008001
HIGHLANDS COMMUNITY BANK
Form 5500-SF
FILING_RECEIVED
SBA DEFINED CONTRIBUTION PLAN FOR HIGHLANDS COMMUNITY
401(k) retirement plan
Active participants
27
Accounts w/ balance
35
Plan assets (EOY)
$4.7M
Net assets (EOY)
$4.7M
Plan health score (directional)
89
/ 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
75
Total plan cost
75
Vendor stack
100
Participation health
100
Helping the score
- Concentration not scored — Schedule of Assets PDF not yet parsed for this plan.
- No Schedule C compensation disclosed — likely a small plan or unbundled.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for HIGHLANDS COMMUNITY BANK.
Plan sponsor
Name
HIGHLANDS COMMUNITY BANK
EIN
54-2038135
Address
P.O. BOX 1059 · COVINGTON, VA · 24426
Phone
(540) 962-7468
Industry
Commercial Banking· Finance & Insurancesee all
Plan administrator
Name
VBA BENEFITS CORPORATION
EIN
54-1741662
City
GLEN ALLEN, VA
Phone
(800) 643-5599
Plan characteristics
Plan number
001
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-09-24
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
—
Trustee / custodian
—
Trustee phone
—
Small plan (5500-SF) — Schedule H data not available.
Service providers (Schedule C)
Small plans don't disclose service providersRelated plans
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