Homeside Financial, Llc 401(k) Plan: Login, Facts & Contact Information

Homeside Financial, Llc 401(k) Plan Facts

Plan name
LOWER LLC 401(K) RETIREMENT PLAN
Plan type
401(k) with employer contributions and profit sharing
Plan sponsor
LOWER, LLC000000000 · formerly Homeside Financial, Llc
Participants
1,637 (981 active employees)
Former employees with a balance
378
Plan assets
$48,046,955 at Dec 31, 2024
Average account balance
$42,036 across 1,143 accounts
Employer contributions
$412,906 in plan year 2024 (5% of all contributions)
Recordkeeper
Principal Life Insurance Company
Plan year
Jan 1, 2024 – Dec 31, 2024
Plan established
Jan 1, 2014
✓ 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 9, 2025. Public filing with the U.S. Department of Labor.

Money in and out in plan year 2024

  • $7.66 million went into the plan in contributions, $412,906 of it from the employer (5%).
  • $10.6 million was paid out to participants.
  • Investment and other income added $4.44 million.
  • Administrative expenses were $290,429, about $254 per account.

How the Homeside Financial, Llc 401(k) changed, 2019–2024

Plan yearParticipantsPlan assetsEmployer contributionsBenefits paid
2019407$7.78 million$156,666$746,397
2020560$13.7 million$362,296$562,517
2021946$22.5 million$714,956$2.78 million
20221,583$21.0 million$485,894$3.80 million
20231,615$30.6 million$68,573$8.31 million
20241,637$48.0 million$412,906$10.6 million

Homeside Financial, Llc 401(k) Contact Information

Phone
443-741-8149
Mailing address
8621 ROBERT FULTON DR SUITE 150, COLUMBIA MD 210462637
Plan sponsor
LOWER, LLC000000000
Employer identification number (EIN)
46-3689142
Plan number
001

Questions about the Homeside Financial, Llc 401(k)

Does Homeside Financial, Llc contribute to the 401(k)?

Yes. The plan reports an employer contribution arrangement. In plan year 2024 the employer contributed $412,906, 5% of all contributions.

Does the Homeside Financial, Llc 401(k) have automatic enrollment?

Yes. The plan reports automatic enrollment of eligible employees.

How many people are in the Homeside Financial, Llc 401(k) plan?

1,637 participants at the start of plan year 2024, 981 of them active employees, and 378 former employees who still had money in the plan.

What is the average 401(k) balance at Homeside Financial, Llc?

About $42,036 per account: $48.0 million in plan assets across 1,143 accounts with a balance at the end of plan year 2024.

Who manages the Homeside Financial, Llc 401(k) accounts?

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

I no longer work at Homeside Financial, Llc. How do I access my 401(k)?

Your account stays with Principal 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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