Harbor Employees 401(k) match, vesting and fees
What Harbor Employees' 401(k) plan says about matching contributions
Plan features
Match, vesting and enrollment details have not been published from this plan's audit report yet. The figures below come from the structured filing.
| Recordkeeper | The Vanguard Group, Inc. | Schedule C ↗ |
| Independent auditor | Cliftonlarsonallen LLP (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | 401(k) · Active | Form 5500 ↗ |
How the plan compares
Plan year 2025 medians for 329 defined-contribution plans in professional, scientific, and technical services with 500 to 999 participants.
| Harbor Employees: employer contribution per participant | $3,363 | |
| Peer median | $2,682 |
| Harbor Employees: average balance | $99,824 | |
| Peer median | $99,496 |
| Harbor Employees: admin expenses ÷ assets | 0.21% | |
| Peer median | 0.18% |
Admin expenses are the plan's reported administrative expenses divided by its assets; they do not include fund expense ratios.
Plan history
Plan assets went from $41.7M at the end of plan year 2023 to $63.6M at the end of plan year 2025.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2025 | 642 | $63.6M | $2.1M | $3,363 | 0.21% | Not published | Form 5500 ↗ |
| 2024 | 677 | $52.5M | $2.2M | $3,251 | 0.24% | Not published | Form 5500 ↗ |
| 2023 | 415 | $41.7M | $658K | $1,885 | 0.23% | Not published | Form 5500 ↗ |
Common questions
Does Harbor Employees match 401(k) contributions?
The match terms for the Harbor 401(k) Plan have not been published from its filing yet. The plan year 2025 filing reports $2.1M in employer contributions, about $3,363 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the Harbor Employees 401(k) match vested?
The vesting schedule for the Harbor 401(k) Plan is not in the data published so far. Your Summary Plan Description states it.
Who manages the Harbor Employees 401(k)?
The recordkeeper listed on Schedule C of the plan year 2025 filing is The Vanguard Group, Inc.. The plan administrator is Harbor Employees, LLC.
I left Harbor Employees. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (Harbor Employees, LLC, (312) 201-8400) or the recordkeeper, The Vanguard Group, Inc.. The Harbor Employees old 401(k) page lists the contacts from every plan filing. Find an old Harbor Employees 401(k)
Data from the public Form 5500 annual reports Harbor Employees filed with the U.S. Department of Labor (plan years 2023 and 2024 and 2025) and, where noted, the attached independent auditor's report. Plan terms may have changed since the filing; check your current Summary Plan Description. PlanFacts is not affiliated with Harbor Employees. Not financial advice. Report a correction · Methodology