Heritage Commerce 401(k) match, vesting and fees
What Heritage Commerce'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 | Capital Group Retirement Plan Svcs. | Schedule C ↗ |
| Independent auditor | Crowe 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 208 defined-contribution plans in finance and insurance with 500 to 999 participants.
| Heritage Commerce: employer contribution per participant | $1,789 | |
| Peer median | $3,090 |
| Heritage Commerce: average balance | $167,041 | |
| Peer median | $119,169 |
| Heritage Commerce: admin expenses ÷ assets | 0.09% | |
| Peer median | 0.10% |
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 $81M at the end of plan year 2021 to $93.9M at the end of plan year 2025.
| Plan year | Participants | Assets | Employer contributions | Per participant | Admin expense ratio | Match formula | Filing |
|---|---|---|---|---|---|---|---|
| 2025 | 583 | $93.9M | $1M | $1,789 | 0.09% | Not published | Form 5500 ↗ |
| 2024 | 583 | $87.1M | $964K | $1,734 | 0.11% | Not published | Form 5500 ↗ |
| 2023 | 588 | $77.5M | $948K | $1,709 | 0.12% | Not published | Form 5500 ↗ |
| 2022 | 571 | $65.8M | $942K | $1,719 | 0.11% | Not published | Form 5500 ↗ |
| 2021 | 553 | $81M | $946K | $1,759 | 0.11% | Not published | Form 5500 ↗ |
Other Heritage Commerce plans (1)
Each plan files its own Form 5500. Figures are from each plan's latest filing.
Heritage Commerce Corp Employee Stock Ownership Plan
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.
| Independent auditor | Crowe, LLP (unmodified opinion) | Schedule H ↗ |
| Plan type and status | Retirement · Active | Form 5500 ↗ |
Common questions
Does Heritage Commerce match 401(k) contributions?
The match terms for the Heritage Commerce Corp 401(k) Savings Plan have not been published from its filing yet. The plan year 2025 filing reports $1M in employer contributions, about $1,789 per participant. That total includes any match and profit-sharing; it is not a match formula.
When is the Heritage Commerce 401(k) match vested?
The vesting schedule for the Heritage Commerce Corp 401(k) Savings Plan is not in the data published so far. Your Summary Plan Description states it.
Who manages the Heritage Commerce 401(k)?
The recordkeeper listed on Schedule C of the plan year 2025 filing is Capital Group Retirement Plan Svcs.. The plan administrator is Heritage Commerce Corp.
I left Heritage Commerce. How do I find my old 401(k)?
Your account stays in the plan until you move it. Contact the plan administrator (Heritage Commerce Corp, (408) 947-6900) or the recordkeeper, Capital Group Retirement Plan Svcs.. The Heritage Commerce old 401(k) page lists the contacts from every plan filing. Find an old Heritage Commerce 401(k)
Data from the public Form 5500 annual reports Heritage Commerce 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 Heritage Commerce. Not financial advice. Report a correction · Methodology