Department of Labor filing
Spot something wrong?HERITAGE INSURANCE GROUP LLC DBA HERITAGE INSURANCE AND REAL ESTATE
HERITAGE INSURANCE GROUP LLC · For the plan year ended Dec 31, 2025
Public filing 2025 · received Mar 10, 2026Verified current terms Not available
Plan summary
What matters most
This plan has an employer contribution that still needs verification and vesting that still needs verification. Reported employer contributions are around the middle of comparable plans.
52Fair plan health
high confidence
high confidence
See what drives the plan health score
Published only when at least four measures and half of the model weight are available. Missing information is excluded rather than scored as zero.
Up 0.0% over the filing history shown.
Participation up 0.0% · assets up 0.0% · loans 0.0% of assets
How the score works →What still needs verification
vesting, employee fees, investment choices, eligibility, automatic enrollment, Roth availability. These items stay out of the summary until a dated source confirms them.
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 · 202526out of 100 among similar-size plans in the same industry when enough peers exist
How this filing compares
Reported employer contributions30th percentileTypical peer $3,117 · based on 21,825 comparable plans
Lower reported administrative expense16th 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, HERITAGE INSURANCE GROUP LLC DBA HERITAGE INSURANCE AND REAL ESTATE reported $22,014 in employer contributions across this plan, or $1,835 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
- $22,014 $1,835 per active participant
- Participant contributions
- $43,411
- Other contributions
- $0 Amounts not classified as employer or participant contributions
- Employer share of contributions
- 33.6%
- Active participants
- 12 Small plan
- Total participants
- 12 13 at the beginning of the year
- Ending assets
- $508,837 $42,403 per participant
- Net-asset change
- Up 0.0% Not the same as investment performance
- Beginning net assets
- $405,970
- Ending net assets
- $508,837
- Beginning liabilities
- $0
- Ending liabilities
- $0
- Total income
- $135,876
- Total expenses
- $33,009
- Administrative expenses
- $7,652 $638 per active participant
- Participant loans
- $0 0.0% 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
$1,835
2025
$638
2025
12
2025
$508,837
2025
0.0%
| Plan year | Employer money per active participant | Active participants | Plan assets |
|---|---|---|---|
| 2025 | $1,835 | 12 | 508.8K |
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
- 0.0%
- 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
- 208121177-001
Reported plan details
Identity and filing status
- Plan type
- Retirement plan
- Employer arrangement
- 1
- Plan effective date
- Feb 1, 2008
- 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
2E2F2G2J2K2T3C3D
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, 2025Heritage Insurance Holdings, Inc. — 10-K filed 2026-03-12 ↗
Official filing · details not yet checkedWhat it says about vesting
tockholders, the Company awarded to non-employee directors an aggregate of 15,300 shares of common stock with a fair value at the time of grant of $ 23.53 per share. The stock was fully vested on the date of issuance. On April 15, 2025, the Company awarded 9,000 shares of time-based restricted stock, with a fair value at the time of grant of $ 17.30 per share under the 2023 Plan to certain employees. The time-based restricted stock vested on December 15, 2025. On March 11, 2025, the Company awarded an aggregate of 99,246 shares of time-based restricted stock and 285,985 shares of performance-based restricted stock, each at a fair value at the time of grant of $ 11.88 per share under the 2023 Plan to certain employees. The time-based restricted stock vests annually in three equal installmen
What it says about fees
ding commissions on our net quota share reinsurance contract and certain other reinsurance contracts, which are reported as a reduction to policy acquisition costs and general and administrative expenses based upon the proportion these costs bear to production of new business. Ceding commission income is deferred and earned over the contract period. The amount and rate of ceding commissions earned on the net quota share contract can slide within a prescribed minimum and maximum, depending on loss performance and how future losses develop. Refer to Note 11 “ Deferred Policy Acquisition Costs ” to our consolidated financial statements under Item 8 of this Annual Report on Form 10K. General and administrative expenses (“G&A”) include compensation and related benefits, professional fees, offic
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_ID20260310170341NAL0004310304001
Data sourceDOL Form 5500 bulk data ↗
Filing searchEFAST2 ↗