Harbor Retirement Associates, Llc 401(k) Plan: Login, Facts & Contact Information

Harbor Retirement Associates, Llc 401(k) Plan Facts

Plan name
HARBOR RETIREMENT ASSOCIATES, LLC 401(K) PLAN
Plan type
401(k) with employer contributions and profit sharing
Plan sponsor
HARBOR RETIREMENT ASSOCIATES, LLC
Participants
1,651 (757 active employees)
Former employees with a balance
112
Plan assets
$7,459,968 at Dec 31, 2024
Average account balance
$21,375 across 349 accounts
Employer contributions
$629,885 in plan year 2024 (33% of all contributions)
Recordkeeper
Empower Annuity Insurance Company
Plan year
Jan 1, 2024 – Dec 31, 2024
Plan established
May 1, 2004
✓ 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 7, 2025. Public filing with the U.S. Department of Labor.

Money in and out in plan year 2024

  • $1.90 million went into the plan in contributions, $629,885 of it from the employer (33%).
  • $2.74 million was paid out to participants.
  • Investment and other income added $891,815.
  • Administrative expenses were $90,690, about $260 per account.

How the Harbor Retirement Associates, Llc 401(k) changed, 2019–2024

Plan yearParticipantsPlan assetsEmployer contributionsBenefits paid
20191,028$5.29 million$471,025$479,403
20201,072$6.55 million$511,062$785,390
20211,560$7.25 million$566,406$1.69 million
20221,407$6.60 million$625,337$1.38 million
20231,554$7.50 million$705,738$2.25 million
20241,651$7.46 million$629,885$2.74 million

Harbor Retirement Associates, Llc 401(k) Contact Information

Phone
772-257-8119
Mailing address
958 20TH PLACE 2ND FLOOR, VERO BEACH FL 32960
Plan sponsor
HARBOR RETIREMENT ASSOCIATES, LLC
Employer identification number (EIN)
04-3585453
Plan number
001

Questions about the Harbor Retirement Associates, Llc 401(k)

Does Harbor Retirement Associates, Llc contribute to the 401(k)?

Yes. The plan reports an employer contribution arrangement. In plan year 2024 the employer contributed $629,885, 33% of all contributions.

Does the Harbor Retirement Associates, Llc 401(k) have automatic enrollment?

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

How many people are in the Harbor Retirement Associates, Llc 401(k) plan?

1,651 participants at the start of plan year 2024, 757 of them active employees, and 112 former employees who still had money in the plan.

What is the average 401(k) balance at Harbor Retirement Associates, Llc?

About $21,375 per account: $7.46 million in plan assets across 349 accounts with a balance at the end of plan year 2024.

Who manages the Harbor Retirement Associates, Llc 401(k) accounts?

Empower (listed on the filing as EMPOWER ANNUITY INSURANCE COMPANY) is the plan's recordkeeper, which is where participants log in to see their balance.

I no longer work at Harbor Retirement Associates, Llc. How do I access my 401(k)?

Your account stays with Empower 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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