Heading Home 401(k) match, vesting and fees
What Heading Home's 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 | Empower Annuity Ins Co of America | Schedule C ↗ |
| Independent auditor | Caron & Bletzer, PLLC (unmodified opinion, limited scope) | Schedule H ↗ |
| Plan type and status | 401(k) · Active | Form 5500 ↗ |
| Late participant contributions | Reported on the filing | Schedule H ↗ |
How the plan compares
Plan year 2025 medians for 2,291 defined-contribution plans in health care and social assistance with 100 to 499 participants.
| Heading Home: employer contribution per participant | $809 | |
| Peer median | $1,440 |
| Heading Home: average balance | $14,419 | |
| Peer median | $38,351 |
| Heading Home: admin expenses ÷ assets | 0.96% | |
| Peer median | 0.47% |
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 $1.9M at the end of plan year 2021 to $3.4M at the end of plan year 2025.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2025 | 245 | $3.4M | $193K | $809 | 0.96% | Not published | Form 5500 ↗ |
| 2024 | 278 | $2.4M | $71K | $290 | 0.79% | Not published | Form 5500 ↗ |
| 2023 | 235 | $2.1M | $232K | $1,094 | 1.65% | Not published | Form 5500 ↗ |
| 2022 | 292 | $1.7M | $192K | $657 | 1.05% | Not published | Form 5500 ↗ |
| 2021 | 237 | $1.9M | $117K | $496 | 0.91% | Not published | Form 5500 ↗ |
Common questions
Does Heading Home match 401(k) contributions?
The match terms for the Heading Home Retirement Plan have not been published from its filing yet. The plan year 2025 filing reports $193K in employer contributions, about $809 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the Heading Home 401(k) match vested?
The vesting schedule for the Heading Home Retirement Plan is not in the data published so far. Your Summary Plan Description states it.
Who manages the Heading Home 401(k)?
The recordkeeper listed on Schedule C of the plan year 2025 filing is Empower Annuity Ins Co of America. The plan administrator is Heading Home, Inc..
I left Heading Home. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (Heading Home, Inc., (617) 864-8140) or the recordkeeper, Empower Annuity Ins Co of America. The Heading Home old 401(k) page lists the contacts from every plan filing. Find an old Heading Home 401(k)
Data from the public Form 5500 annual reports Heading Home filed with the U.S. Department of Labor (plan years 2021 and 2022 and 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 Heading Home. Not financial advice. Report a correction · Methodology