Department of Labor filing

Hardcore Mechanical A/c & Heating, 401(k) plan

HARDCORE MECHANICAL 401(K) PLAN · For the plan year ended Dec 31, 2025

Legal plan sponsor: HARDCORE MECHANICAL A/C & HEATING,

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Latest public filing 2025 · received Jul 13, 2026

Plan summary

Start with the match, vesting, and fees

Fair

This looks fair based on public filing history. Keep checking the source links because plan rules can change.

Why: The current match still needs a dated source. Vesting is not confirmed yet. Reported employer money is near the middle of its peer group.

64Plan health
from public filings

See what drives the plan health score

Employer contributions versus peers63/10030% of the full model

Lower reported administrative cost52/10020% of the full model

Active-participant trend50/10010% of the full model

Net-asset trend50/10010% of the full model

Participant-loan burden45/10010% of the full model

Reported compliance signals100/10010% of the full model

Filing completeness100/10010% of the full model

Published only when at least four measures and half of the model weight are available. Missing information is excluded rather than scored as zero.

Employer matchAsk for the formula

This is the first number to confirm: the match rate, required employee contribution, annual cap, and any true-up.

Value at $100,000 of payDepends on the match

Once the formula is known, this converts the headline benefit into estimated annual dollars.

When the money is yoursAsk about vesting

Vesting decides how much employer money you keep if you leave before staying long enough.

Fees paid by employeesAsk for fee disclosure

The key document is the participant fee disclosure, especially fund expense ratios and account charges.

Investment menuAsk for fund lineup

Look for low-cost index funds, target-date funds, stable-value or bond options, and any brokerage window.

When you can joinAsk about eligibility

Eligibility tells you when contributions and employer money can start after hire.

Automatic enrollmentAsk if automatic

Automatic enrollment and auto-increase features usually help more employees save consistently.

Roth 401(k)Ask if offered

Roth availability matters if you want after-tax contributions inside the workplace plan.

Employer money vs. similar plans63th percentile

Up 0.0% over the filing history shown.

Plan health64/100

Participation up 0.0% · assets up 0.0% · loans 5.1% of assets

How this is calculated →See score distributions →

Current terms to confirm: vesting, employee fees, investment choices, eligibility, automatic enrollment, Roth availability

These details are often kept in employee-only plan documents. We show them when there is a dated source clear enough to trust.

Before you enroll: confirm the match, vesting schedule, waiting period, and fees in the current plan documents. The filing history shows how the plan itself has changed.

Keep in mind: public filings do not show your personal investment returns. Missing information does not count against the plan. Today’s benefit rules require a current plan document.

Want the complete record?

The essentials are above. Open the filing details only if you want to go deeper.

Compare Hardcore Mechanical A/c & Heating, with another employer →See verified benefit details ↓

Filing comparison · 202560out of 100 among similar-size plans in the same industry when enough peers exist

How this filing compares

Reported employer contributions63rd percentileTypical peer $1,879 · based on 35,497 comparable plans

Lower reported administrative expense52nd percentileTypical peer $96 · based on 31,706 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, HARDCORE MECHANICAL A/C & HEATING, reported $48,681 in employer contributions across this plan, or $2,434 per active participant. This is the best company-wide filing average available—not a promise of what any one employee receives.

People actively participating20

Up 0.0% across the filing years shown. The filing does not report every employee who was eligible.

Employer money over timeUp 0.0%

Change in employer contributions per active participant.

Plan costs over timeUp 0.0%

Change in reported administrative cost per participant. Fund expenses may be separate.

Peer comparison60/100

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: $48,681
Participant contributions: $95,808
Other contributions: $15,167
Employer share of contributions: 30.5%
Active participants: 20
Total participants: 25
Ending assets: $1,610,304
Net-asset change: Up 0.0%
Beginning net assets: $1,367,728
Ending net assets: $1,610,304
Beginning liabilities: Not reported
Ending liabilities: Not reported
Total income: $355,629
Total expenses: $113,053
Administrative expenses: $2,066
Participant loans: $82,484

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.

Employer money per active participant

2025

$2,434

Administrative cost per participant

2025

$83

Active participants

2025

Total plan assets

2025

$1,610,304

Participant loans as a share of assets

2025

5.1%

Detailed filing history
Plan year	Employer money per active participant	Active participants	Plan assets
2025	$2,434	20	1.6M

Changes in plan assets are not the same as investment performance.

Plan health

Loans, late deposits, and other filing disclosures

Participant loans as a share of plan assets: 5.1%
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: 453086912-001

Reported plan details

Identity and filing status

Plan type: Retirement plan
Employer arrangement: 1
Plan effective date: Jan 1, 2017
Industry: Construction
Amended filing: No
Final filing for this plan: No
Short plan year: No
401(k) feature reported: Yes
Show DOL characteristic codes
2E2F2G2J2K2T3D

Current plan terms

Help fill the gap the filing leaves.

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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_ID20260713092819NAL0002894403001

Data sourceDOL Form 5500 bulk data ↗

Filing searchEFAST2 ↗