Embrace Home Loans, Inc. 401(k) Plan: Login, Facts & Contact Information

Embrace Home Loans, Inc. 401(k) Plan Facts

Plan name
401(K) PLAN FOR DFH COMPANIES
Plan type
401(k) with employer contributions and profit sharing
Plan sponsor
EMBRACE HOME LOANS, INC.
Participants
937 (425 active employees)
Former employees with a balance
285
Plan assets
$82,714,506 at Dec 31, 2024
Average account balance
$121,282 across 682 accounts
Plan year
Jan 1, 2024 – Dec 31, 2024
Plan established
Jan 1, 1986
✓ Employer contributions— Automatic enrollment— Default investment for undecided participants✓ Participants choose their own investments— Self-directed brokerage window✓ Profit sharing— Company stock (ESOP)

Source: Form 5500 for plan year 2024 (Jan 1, 2024 – Dec 31, 2024), filed Oct 15, 2025. Public filing with the U.S. Department of Labor.

Money in and out in plan year 2024

  • $3.86 million went into the plan in contributions.
  • $9.48 million was paid out to participants.
  • Investment and other income added $11.0 million.
  • Administrative expenses were $35,539, about $52 per account.

How the Embrace Home Loans, Inc. 401(k) changed, 2019–2024

Plan yearParticipantsPlan assetsEmployer contributionsBenefits paid
2019992$59.3 million$189,239$4.63 million
2020964$70.6 million$867,769$4.96 million
2021889$88.2 million$2.49 million$2.94 million
20221,042$70.0 million$2.67 million$10.4 million
20231,065$77.4 million—$9.46 million
2024937$82.7 million$0$9.48 million

Embrace Home Loans, Inc. 401(k) Contact Information

Phone
401-846-3100
Mailing address
25 ENTERPRISE CENTER, MIDDLETOWN RI 02842
Plan sponsor
EMBRACE HOME LOANS, INC.
Employer identification number (EIN)
05-0402708
Plan number
002

Questions about the Embrace Home Loans, Inc. 401(k)

Does Embrace Home Loans, Inc contribute to the 401(k)?

Yes. The plan reports an employer contribution arrangement.

Does the Embrace Home Loans, Inc 401(k) have automatic enrollment?

No. The plan does not report automatic enrollment; employees enroll themselves.

How many people are in the Embrace Home Loans, Inc 401(k) plan?

937 participants at the start of plan year 2024, 425 of them active employees, and 285 former employees who still had money in the plan.

What is the average 401(k) balance at Embrace Home Loans, Inc?

About $121,282 per account: $82.7 million in plan assets across 682 accounts with a balance at the end of plan year 2024.

Who manages the Embrace Home Loans, Inc 401(k) accounts?

Voya Financial is the plan's recordkeeper, which is where participants log in to see their balance.

I no longer work at Embrace Home Loans, Inc. How do I access my 401(k)?

Your account stays with Voya Financial after you leave, so you can log in with the same credentials. If your balance was small, the plan may have rolled it into an IRA in your name. If you can't find it, Beagle can locate it for you.

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