A current plan document is needed to verify the formula.
Department of Labor filing
Spot something wrong?HARBOR POINTE CREDIT UNION
HARBOR POINTE CREDIT UNION EMPLOYEES' 401(K) PLAN & TRUST · For the plan year ended Dec 31, 2025
Public filing 2025 · received Mar 26, 2026Verified current terms Not available
Plan summary
The numbers that matter first
55plan health
high confidence
high confidence
$3,774 was reported per active participant, but this is not a match limit.
A dated plan document is needed.
Plan-paid administrative cost per participant; fund and employee fees may be separate.
The public filing does not provide a current, complete fund menu.
A current plan document is needed.
The selected official filing does not establish a current default rate.
The reviewed official source does not establish current Roth availability.
Up 0.0% over the filing history shown.
Participation up 0.0% · assets up 0.0%
How the score works →What this tells you: company-wide scale, reported employer support, participation activity, visible administrative cost, and historical direction.
Keep in mind: public filings do not show employee investment returns. Scores use only available measures; missing information lowers confidence, never the score. Current match, vesting, eligibility, investments, and employee-paid fees still require a current plan document.
Filing comparison · 202544out of 100 among similar-size plans in the same industry when enough peers exist
How this filing compares
Reported employer contributions57th percentileTypical peer $3,117 · based on 21,825 comparable plans
Lower reported administrative expense13th percentileTypical peer $105 · based on 18,019 comparable plans
This comparison uses historical filing figures. It does not compare current match formulas, vesting, investments, or employee fees.
Peer-group method: industry size. The comparison used the most specific peer group with enough valid filings.
The short version
What employees should know
For the year ended Dec 31, 2025, HARBOR POINTE CREDIT UNION reported $98,114 in employer contributions across this plan, or $3,774 per active participant. This is the best company-wide filing average available—not a promise of what any one employee receives.
Up 0.0% across the filing years shown. The filing does not report every employee who was eligible.
Change in employer contributions per active participant.
Change in reported administrative cost per participant. Fund expenses may be separate.
Compared with similarly sized plans in the same industry.
What this public record cannot answer
For the current match, vesting rules, eligibility, employee fees, and investment choices, we need a recent plan document. We leave those details blank until we have one.
Money and scale
Contributions, assets, and expenses
These are plan-wide totals. They are not individual account balances.
- Employer contributions
- $98,114 $3,774 per active participant
- Participant contributions
- $186,883
- Other contributions
- $0 Amounts not classified as employer or participant contributions
- Employer share of contributions
- 34.4%
- Active participants
- 26 Small plan
- Total participants
- 29 28 at the beginning of the year
- Ending assets
- $3,118,016 $107,518 per participant
- Net-asset change
- Up 0.0% Not the same as investment performance
- Beginning net assets
- $2,683,088
- Ending net assets
- $3,118,016
- Beginning liabilities
- $0
- Ending liabilities
- $0
- Total income
- $618,761
- Total expenses
- $183,833
- Administrative expenses
- $22,055 $761 per active participant
- Participant loans
- Not reported Not reported of plan assets
Three-year filing history
How the reported figures changed
Each chart uses the selected public filing for that year. Missing values remain blank rather than becoming zero.
2025
$3,774
2025
$761
2025
26
2025
$3,118,016
2025
Not reported
| Plan year | Employer money per active participant | Active participants | Plan assets |
|---|---|---|---|
| 2025 | $3,774 | 26 | 3.1M |
Changes in plan assets are not the same as investment performance.
Plan health
Operational signals worth checking
- Participant loans as a share of plan assets
- Not reported
- Independent accountant’s opinion
- Not stated in the filing
- Late participant contributions reported
- Not reportedA “yes” needs context and is not, by itself, proof of wrongdoing.
- Loan defaults reported
- Not reported
- Lease defaults reported
- Not reportedOnly a small number of filings report these events.
- Nonexempt transactions reported
- Not reported
- Public plan identifier
- 410226825-002
Reported plan details
Identity and filing status
- Plan type
- Retirement plan
- Employer arrangement
- 1
- Plan effective date
- Jan 1, 1997
- Industry
- Finance and insurance
- Amended filing
- No
- Final filing for this plan
- No
- Short plan year
- No
- 401(k) feature reported
- Yes
Show DOL characteristic codes
2E2F2G2J2K2T3D
Company filings
What the company has told the SEC about this plan
We found these passages in official company filings. They may help explain the plan, but we do not treat them as current benefits until the wording and date have been checked.
10-K · report period Dec 31, 2025CLEAN HARBORS INC — 10-K filed 2026-02-18 ↗
Official filing · details not yet checkedWhat it says about employer contributions
of operations. Defined Contribution Plan The Company has defined contribution plans under which eligible employees may contribute up to the maximum amount as provided by law. The Company matches a portion of these employee contributions and contributed $ 31.5 million, $ 30.9 million and $ 28.8 million in 2025, 2024 and 2023 respectively. Advertising Expense Advertising costs are expensed as incurred. Advertising expense was $ 9.8 million in 2025, $ 11.4 million in 2024 and $ 10.9 million in 2023. Stock-based Compensation Stock-based compensation cost is measured at the grant date based on the fair value of the award and is recognized as expense over the requisite service period, which generally represents the vesting period. In addition, the Company issues awards with performance targets
What it says about fees
6,918 659,217 646,301 (32,299) (4.9) 12,916 2.0 Corporate 55,696 36,131 36,780 19,565 N/M (649) N/M Total 4,144,599 4,061,370 3,746,124 83,229 2.0 315,246 8.4 Selling, General and Administrative Expenses (3) : Environmental Services 387,529 371,263 346,791 16,266 4.4 24,472 7.1 Safety-Kleen Sustainability Solutions 72,989 78,575 78,089 (5,586) (7.1) 486 0.6 Corporate 255,781 261,810 225,578 (6,029) (2.3) 36,232 16.1 Total 716,299 711,648 650,458 4,651 0.7 61,190 9.4 Adjusted EBITDA: Environmental Services 1,343,776 1,267,462 1,101,608 76,314 6.0 165,854 15.1 Safety-Kleen Sustainability Solutions 137,454 147,006 172,873 (9,552) (6.5) (25,867) (15.0) Corporate (311,291) (297,534) (261,911) (13,757) (4.6) (35,623) (13.6) Total $ 1,169,939 $ 1,116,934 $ 1,012,570 $ 53,005 4.7% $ 104,364 10.3%
Current plan terms
Help fill the gap the filing leaves.
If you have a current SPD, fee disclosure, or enrollment guide, you can share it with us. We check the source and date before adding anything to the profile.
Filing evidence
Open the selected public records
We use the latest valid received filing for each year after resolving amendments and duplicate records. Open the source to check the original filing.
Filing ACK_ID20260326131532NAL0002855331001
Data sourceDOL Form 5500 bulk data ↗
Filing searchEFAST2 ↗