Department of Labor filing
Spot something wrong?SOUTHERN HERITAGE FINANCIAL GROUP, LLC
SOUTHERN HERITAGE FINANCIAL GROUP 401(K) PLAN · For the plan year ended Dec 31, 2025
Public filing 2025 · received May 7, 2026Verified current terms Not available
Plan summary
What matters most
This plan has a documented employer contribution and vesting that still needs verification. Reported employer contributions rank below most comparable plans.
49Limited 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.
transfers.
The official filing does not support a reliable dollar example.
34,257 Total contributions 8,722,367 Total additions to investments and contributions 24,695,771 Deductions from net assets attributed to: Benefits paid to participants 11,081,380 Administrative expenses 186,367 Total deductions 11,267,747 Net increase in net assets 13,428,024 Net assets available for benefits, beginning of year 112,191,628 Net assets available for benefits, end of year $ 125,619,652 See accompanying Notes to Financial Statements.
ch a participant is entitled is the benefit that can be provided from the participant’s vested account.
eligible to participate in the Plan on the first of the month coincident with or following employment
ollowing employment. (c) Contributions Subject to certain Internal Revenue Service ("IRS") limitations discussed below, participants may make elective pre-tax 401(k) and after-tax Roth 401(k) contributions up to 100 % of their eligible compensation. The IRS limitations include a dollar limitation of $23,500 for 2025 and certain discrimination testing limitations. Additionally, participants over the age of 50 at Plan year end may make catch-up contributions up to the applicable dollar limitation of $7,500 for 2025, and participants between age 60 and 63 may make an increased catch-up up to limit of $11,250 for 2025. Participants may also contribute elective after-tax contributions to the Plan, subject to discrimination testing limitations. Participants may also contribute rollovers into the
Up 0.0% over the filing history shown.
Participation up 0.0% · assets up 0.0%
How the score works →What still needs verification
vesting, automatic enrollment. 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 · 202537out of 100 among similar-size plans in the same industry when enough peers exist
How this filing compares
Reported employer contributions12th percentileTypical peer $2,475 · based on 85,770 comparable plans
Lower reported administrative expense93rd percentileTypical peer $102 · based on 77,997 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, SOUTHERN HERITAGE FINANCIAL GROUP, LLC reported $4 in employer contributions across this plan, or $1 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
- $4 $1 per active participant
- Participant contributions
- $6
- Other contributions
- $0 Amounts not classified as employer or participant contributions
- Employer share of contributions
- 40.0%
- Active participants
- 6 Small plan
- Total participants
- 6 6 at the beginning of the year
- Ending assets
- $6,541 $1,090 per participant
- Net-asset change
- Up 0.0% Not the same as investment performance
- Beginning net assets
- $5,931
- Ending net assets
- $6,541
- Beginning liabilities
- $0
- Ending liabilities
- $0
- Total income
- $801
- Total expenses
- $191
- Administrative expenses
- $29 $5 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
$1
2025
$5
2025
6
2025
$6,541
2025
Not reported
| Plan year | Employer money per active participant | Active participants | Plan assets |
|---|---|---|---|
| 2025 | $1 | 6 | 6.5K |
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
- Yes · $6A “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
- 472699371-001
Reported plan details
Identity and filing status
- Plan type
- Retirement plan
- Employer arrangement
- 1
- Plan effective date
- Jan 1, 2021
- Industry
- Professional, scientific, and technical services
- Amended filing
- No
- Final filing for this plan
- No
- Short plan year
- No
- 401(k) feature reported
- Yes
Show DOL characteristic codes
2E2F2G2J2K2S2T3D
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.
11-K · report period Dec 31, 2025HERITAGE FINANCIAL CORP /WA/ — 11-K filed 2026-06-17 ↗
Official filing · details not yet checkedWhat it says about employer contributions
transfers. The Company makes a matching contribution to participant accounts equal to 50 % of the participant’s contribution, up to 6 % of the participant’s eligible compensation. Matching contributions are considered part of the employer contributions and are subject to discrimination limitations. The Company's profit sharing contribution is discretionary. The Company did not make a discretionary contribution for the plan year 2025. Discretionary profit sharing contributions are considered part of the employer contributions. The following provisions apply to employer contributions: • Participants are eligible for matching contributions upon participation in the Plan. • Matching and discretionary profit sharing contributions to the Plan are invested as directed by the employee. • Participa
What it says about fees
34,257 Total contributions 8,722,367 Total additions to investments and contributions 24,695,771 Deductions from net assets attributed to: Benefits paid to participants 11,081,380 Administrative expenses 186,367 Total deductions 11,267,747 Net increase in net assets 13,428,024 Net assets available for benefits, beginning of year 112,191,628 Net assets available for benefits, end of year $ 125,619,652 See accompanying Notes to Financial Statements. 5 Table of Contents HERITAGE FINANCIAL CORPORATION 401(k) PROFIT SHARING PLAN AND TRUST Notes to Financial Statements December 31, 2025 and 2024 (1) Description of Plan The following description of the Heritage Financial Corporation 401(k) Profit Sharing Plan and Trust (the "Plan") provides only general information. Participants should refer to t
Current plan terms
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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_ID20260507063157NAL0003051392015
Data sourceDOL Form 5500 bulk data ↗
Filing searchEFAST2 ↗