Civic Intelligence

Higgins, Cavanagh & Cooney

Plan context: HIGGINS, CAVANAGH & COONEY 401(K) AND PROFIT SHARING PLAN

EIN 05-0419306 • Providence, RI • 48 filings • 6 plans

10 Dorrance Street, Suite 400Providence, RI 02903
Current Snapshot

Latest Year

2025

2025 Participants

27

2025 Assets

$4,482,299

2025 Contributions

$192,272

Historical Graphs

Total Assets Over Time

Aggregate end-of-year assets by filing year, excluding zero-asset years

$10,557,308$5,278,654$0199920132025YearValue
$4,482,299Latest year 2025

Participants Over Time

Largest reported end-of-year plan headcount by filing year, used to avoid double-counting participants across overlapping plans

49250199920122025YearValue
27Latest year 2025

Company Timeline

Year summaries and individual filings are combined here so you can stay in one place while moving across years and plan filings.

Year / FilingFilingsParticipantsAssetsContributionsContrib./Participant
2025127$4,482,299$192,272$7,121iApproximate average salary by contribution assumption: employee only about $178,030 at 4% or $118,686 at 6%; with 50% employer match about $118,686 at 4% or $79,124 at 6%; with 100% employer match about $89,015 at 4% or $59,343 at 6%.
HIGGINS, CAVANAGH & COONEY 401(K) AND PROFIT SHARING PLAN-27$4,482,299$192,272$7,121iApproximate average salary by contribution assumption: employee only about $178,030 at 4% or $118,686 at 6%; with 50% employer match about $118,686 at 4% or $79,124 at 6%; with 100% employer match about $89,015 at 4% or $59,343 at 6%.
2024127$3,767,762$244,157$9,043iApproximate average salary by contribution assumption: employee only about $226,071 at 4% or $150,714 at 6%; with 50% employer match about $150,714 at 4% or $100,476 at 6%; with 100% employer match about $113,036 at 4% or $75,357 at 6%.
HIGGINS, CAVANAGH & COONEY 401(K) AND PROFIT SHARING PLAN-27$3,767,762$244,157$9,043iApproximate average salary by contribution assumption: employee only about $226,071 at 4% or $150,714 at 6%; with 50% employer match about $150,714 at 4% or $100,476 at 6%; with 100% employer match about $113,036 at 4% or $75,357 at 6%.
2023126$3,222,916$149,458$5,748iApproximate average salary by contribution assumption: employee only about $143,710 at 4% or $95,806 at 6%; with 50% employer match about $95,806 at 4% or $63,871 at 6%; with 100% employer match about $71,855 at 4% or $47,903 at 6%.
HIGGINS, CAVANAGH & COONEY 401(K) AND PROFIT SHARING PLAN-26$3,222,916$149,458$5,748iApproximate average salary by contribution assumption: employee only about $143,710 at 4% or $95,806 at 6%; with 50% employer match about $95,806 at 4% or $63,871 at 6%; with 100% employer match about $71,855 at 4% or $47,903 at 6%.
2022222$1,613,178$115,403$5,246iApproximate average salary by contribution assumption: employee only about $131,140 at 4% or $87,427 at 6%; with 50% employer match about $87,427 at 4% or $58,284 at 6%; with 100% employer match about $65,570 at 4% or $43,713 at 6%.
HIGGINS, CAVANAGH & COONEY 401(K) PLAN-22$1,613,178$115,403$5,246iApproximate average salary by contribution assumption: employee only about $131,140 at 4% or $87,427 at 6%; with 50% employer match about $87,427 at 4% or $58,284 at 6%; with 100% employer match about $65,570 at 4% or $43,713 at 6%.
Higgins, Cavanagh & Cooney Profit Sharing Plan & Trust-0$0$0-
2021229$3,784,490$161,840$5,581iApproximate average salary by contribution assumption: employee only about $139,517 at 4% or $93,011 at 6%; with 50% employer match about $93,011 at 4% or $62,008 at 6%; with 100% employer match about $69,759 at 4% or $46,506 at 6%.
HIGGINS, CAVANAGH & COONEY 401(K) PLAN-22$2,231,953$94,982$4,317iApproximate average salary by contribution assumption: employee only about $107,934 at 4% or $71,956 at 6%; with 50% employer match about $71,956 at 4% or $47,971 at 6%; with 100% employer match about $53,967 at 4% or $35,978 at 6%.
Higgins, Cavanagh & Cooney Profit Sharing Plan & Trust-29$1,552,537$66,858$2,305iApproximate average salary by contribution assumption: employee only about $57,636 at 4% or $38,424 at 6%; with 50% employer match about $38,424 at 4% or $25,616 at 6%; with 100% employer match about $28,818 at 4% or $19,212 at 6%.
2020235$5,775,871$387,939$11,084iApproximate average salary by contribution assumption: employee only about $277,099 at 4% or $184,733 at 6%; with 50% employer match about $184,733 at 4% or $123,155 at 6%; with 100% employer match about $138,550 at 4% or $92,366 at 6%.
Higgins, Cavanagh & Cooney Profit Sharing Plan & Trust-35$3,502,661$82,355$2,353iApproximate average salary by contribution assumption: employee only about $58,825 at 4% or $39,217 at 6%; with 50% employer match about $39,217 at 4% or $26,144 at 6%; with 100% employer match about $29,413 at 4% or $19,608 at 6%.
HIGGINS, CAVANAGH & COONEY 401(K) PLAN-26$2,273,210$305,584$11,753iApproximate average salary by contribution assumption: employee only about $293,831 at 4% or $195,887 at 6%; with 50% employer match about $195,887 at 4% or $130,591 at 6%; with 100% employer match about $146,915 at 4% or $97,944 at 6%.
2019236$5,731,904$223,560$6,210iApproximate average salary by contribution assumption: employee only about $155,250 at 4% or $103,500 at 6%; with 50% employer match about $103,500 at 4% or $69,000 at 6%; with 100% employer match about $77,625 at 4% or $51,750 at 6%.
Higgins, Cavanagh & Cooney Profit Sharing Plan & Trust-36$3,560,511$83,300$2,314iApproximate average salary by contribution assumption: employee only about $57,847 at 4% or $38,565 at 6%; with 50% employer match about $38,565 at 4% or $25,710 at 6%; with 100% employer match about $28,924 at 4% or $19,282 at 6%.
HIGGINS, CAVANAGH & COONEY 401(K) PLAN-26$2,171,393$140,260$5,395iApproximate average salary by contribution assumption: employee only about $134,865 at 4% or $89,910 at 6%; with 50% employer match about $89,910 at 4% or $59,940 at 6%; with 100% employer match about $67,433 at 4% or $44,955 at 6%.
2018236$5,332,857$179,966$4,999iApproximate average salary by contribution assumption: employee only about $124,976 at 4% or $83,318 at 6%; with 50% employer match about $83,318 at 4% or $55,545 at 6%; with 100% employer match about $62,488 at 4% or $41,659 at 6%.
Higgins, Cavanagh & Cooney Profit Sharing Plan & Trust-36$3,107,450$71,336$1,982iApproximate average salary by contribution assumption: employee only about $49,539 at 4% or $33,026 at 6%; with 50% employer match about $33,026 at 4% or $22,017 at 6%; with 100% employer match about $24,769 at 4% or $16,513 at 6%.
HIGGINS, CAVANAGH & COONEY 401(K) PLAN-26$2,225,407$108,630$4,178iApproximate average salary by contribution assumption: employee only about $104,452 at 4% or $69,635 at 6%; with 50% employer match about $69,635 at 4% or $46,423 at 6%; with 100% employer match about $52,226 at 4% or $34,817 at 6%.
2017237$7,819,315$186,610$5,044iApproximate average salary by contribution assumption: employee only about $126,088 at 4% or $84,059 at 6%; with 50% employer match about $84,059 at 4% or $56,039 at 6%; with 100% employer match about $63,044 at 4% or $42,029 at 6%.
Higgins, Cavanagh & Cooney Profit Sharing Plan & Trust-37$5,010,498$65,650$1,774iApproximate average salary by contribution assumption: employee only about $44,358 at 4% or $29,572 at 6%; with 50% employer match about $29,572 at 4% or $19,715 at 6%; with 100% employer match about $22,179 at 4% or $14,786 at 6%.
HIGGINS, CAVANAGH & COONEY 401(K) PLAN-24$2,808,817$120,960$5,040iApproximate average salary by contribution assumption: employee only about $126,000 at 4% or $84,000 at 6%; with 50% employer match about $84,000 at 4% or $56,000 at 6%; with 100% employer match about $63,000 at 4% or $42,000 at 6%.
2016240$9,140,532$235,930$5,898iApproximate average salary by contribution assumption: employee only about $147,456 at 4% or $98,304 at 6%; with 50% employer match about $98,304 at 4% or $65,536 at 6%; with 100% employer match about $73,728 at 4% or $49,152 at 6%.
Higgins, Cavanagh & Cooney Profit Sharing Plan & Trust-40$6,683,685$72,224$1,806iApproximate average salary by contribution assumption: employee only about $45,140 at 4% or $30,093 at 6%; with 50% employer match about $30,093 at 4% or $20,062 at 6%; with 100% employer match about $22,570 at 4% or $15,047 at 6%.
HIGGINS, CAVANAGH & COONEY 401(K) PLAN-25$2,456,847$163,706$6,548iApproximate average salary by contribution assumption: employee only about $163,706 at 4% or $109,137 at 6%; with 50% employer match about $109,137 at 4% or $72,758 at 6%; with 100% employer match about $81,853 at 4% or $54,569 at 6%.
2015241$9,203,137$413,741$10,091iApproximate average salary by contribution assumption: employee only about $252,281 at 4% or $168,187 at 6%; with 50% employer match about $168,187 at 4% or $112,125 at 6%; with 100% employer match about $126,141 at 4% or $84,094 at 6%.
Higgins, Cavanagh & Cooney Profit Sharing Plan & Trust-41$6,772,141$200,000$4,878iApproximate average salary by contribution assumption: employee only about $121,951 at 4% or $81,301 at 6%; with 50% employer match about $81,301 at 4% or $54,201 at 6%; with 100% employer match about $60,976 at 4% or $40,650 at 6%.
HIGGINS, CAVANAGH & COONEY 401(K) PLAN-27$2,430,996$213,741$7,916iApproximate average salary by contribution assumption: employee only about $197,908 at 4% or $131,939 at 6%; with 50% employer match about $131,939 at 4% or $87,959 at 6%; with 100% employer match about $98,954 at 4% or $65,969 at 6%.
2014238$9,101,746$278,747$7,335iApproximate average salary by contribution assumption: employee only about $183,386 at 4% or $122,257 at 6%; with 50% employer match about $122,257 at 4% or $81,505 at 6%; with 100% employer match about $91,693 at 4% or $61,129 at 6%.
Higgins, Cavanagh & Cooney Profit Sharing Plan & Trust-38$6,782,076$85,851$2,259iApproximate average salary by contribution assumption: employee only about $56,481 at 4% or $37,654 at 6%; with 50% employer match about $37,654 at 4% or $25,103 at 6%; with 100% employer match about $28,240 at 4% or $18,827 at 6%.
HIGGINS, CAVANAGH & COONEY 401(K) PLAN-27$2,319,670$192,896$7,144iApproximate average salary by contribution assumption: employee only about $178,607 at 4% or $119,072 at 6%; with 50% employer match about $119,072 at 4% or $79,381 at 6%; with 100% employer match about $89,304 at 4% or $59,536 at 6%.
2013243$9,944,346$379,165$8,818iApproximate average salary by contribution assumption: employee only about $220,445 at 4% or $146,963 at 6%; with 50% employer match about $146,963 at 4% or $97,975 at 6%; with 100% employer match about $110,222 at 4% or $73,482 at 6%.
Higgins, Cavanagh & Cooney Profit Sharing Plan & Trust-43$7,482,254$205,010$4,768iApproximate average salary by contribution assumption: employee only about $119,192 at 4% or $79,461 at 6%; with 50% employer match about $79,461 at 4% or $52,974 at 6%; with 100% employer match about $59,596 at 4% or $39,731 at 6%.
HIGGINS, CAVANAGH & COONEY 401(K) PLAN-28$2,462,092$174,155$6,220iApproximate average salary by contribution assumption: employee only about $155,496 at 4% or $103,664 at 6%; with 50% employer match about $103,664 at 4% or $69,109 at 6%; with 100% employer match about $77,748 at 4% or $51,832 at 6%.
2012245$10,557,308$482,226$10,716iApproximate average salary by contribution assumption: employee only about $267,903 at 4% or $178,602 at 6%; with 50% employer match about $178,602 at 4% or $119,068 at 6%; with 100% employer match about $133,952 at 4% or $89,301 at 6%.
Higgins, Cavanagh & Cooney Profit Sharing Plan & Trust-45$7,826,059$250,000$5,556iApproximate average salary by contribution assumption: employee only about $138,889 at 4% or $92,593 at 6%; with 50% employer match about $92,593 at 4% or $61,728 at 6%; with 100% employer match about $69,444 at 4% or $46,296 at 6%.
HIGGINS, CAVANAGH & COONEY 401(K) PLAN-32$2,731,249$232,226$7,257iApproximate average salary by contribution assumption: employee only about $181,427 at 4% or $120,951 at 6%; with 50% employer match about $120,951 at 4% or $80,634 at 6%; with 100% employer match about $90,713 at 4% or $60,476 at 6%.
2011249$10,471,160$488,937$9,978iApproximate average salary by contribution assumption: employee only about $249,458 at 4% or $166,305 at 6%; with 50% employer match about $166,305 at 4% or $110,870 at 6%; with 100% employer match about $124,729 at 4% or $83,153 at 6%.
Higgins, Cavanagh & Cooney Profit Sharing Plan & Trust-49$8,167,138$246,945$5,040iApproximate average salary by contribution assumption: employee only about $125,992 at 4% or $83,995 at 6%; with 50% employer match about $83,995 at 4% or $55,997 at 6%; with 100% employer match about $62,996 at 4% or $41,997 at 6%.
HIGGINS, CAVANAGH & COONEY 401(K) PLAN-33$2,304,022$241,992$7,333iApproximate average salary by contribution assumption: employee only about $183,327 at 4% or $122,218 at 6%; with 50% employer match about $122,218 at 4% or $81,479 at 6%; with 100% employer match about $91,664 at 4% or $61,109 at 6%.
2010239$10,531,236$467,646$11,991iApproximate average salary by contribution assumption: employee only about $299,773 at 4% or $199,849 at 6%; with 50% employer match about $199,849 at 4% or $133,232 at 6%; with 100% employer match about $149,887 at 4% or $99,924 at 6%.
Higgins, Cavanagh & Cooney Profit Sharing Plan & Trust-39$8,368,543$245,887$6,305iApproximate average salary by contribution assumption: employee only about $157,620 at 4% or $105,080 at 6%; with 50% employer match about $105,080 at 4% or $70,053 at 6%; with 100% employer match about $78,810 at 4% or $52,540 at 6%.
HIGGINS, CAVANAGH & COONEY 401(K) PLAN-38$2,162,693$221,759$5,836iApproximate average salary by contribution assumption: employee only about $145,894 at 4% or $97,263 at 6%; with 50% employer match about $97,263 at 4% or $64,842 at 6%; with 100% employer match about $72,947 at 4% or $48,631 at 6%.
2009248$9,714,750$491,726$10,244iApproximate average salary by contribution assumption: employee only about $256,107 at 4% or $170,738 at 6%; with 50% employer match about $170,738 at 4% or $113,825 at 6%; with 100% employer match about $128,054 at 4% or $85,369 at 6%.
Higgins, Cavanagh & Cooney Profit Sharing Plan & Trust-48$7,915,129$250,000$5,208iApproximate average salary by contribution assumption: employee only about $130,208 at 4% or $86,806 at 6%; with 50% employer match about $86,806 at 4% or $57,870 at 6%; with 100% employer match about $65,104 at 4% or $43,403 at 6%.
HIGGINS, CAVANAGH & COONEY 401(K) PLAN-37$1,799,621$241,726$6,533iApproximate average salary by contribution assumption: employee only about $163,328 at 4% or $108,886 at 6%; with 50% employer match about $108,886 at 4% or $72,590 at 6%; with 100% employer match about $81,664 at 4% or $54,443 at 6%.
2008237$7,960,394$498,183$13,464iApproximate average salary by contribution assumption: employee only about $336,610 at 4% or $224,407 at 6%; with 50% employer match about $224,407 at 4% or $149,605 at 6%; with 100% employer match about $168,305 at 4% or $112,203 at 6%.
Higgins, Cavanagh & Cooney Profit Sharing Plan & Trust-37$6,737,110$249,999$6,757iApproximate average salary by contribution assumption: employee only about $168,918 at 4% or $112,612 at 6%; with 50% employer match about $112,612 at 4% or $75,075 at 6%; with 100% employer match about $84,459 at 4% or $56,306 at 6%.
HIGGINS, CAVANAGH & COONEY 401K PLAN-37$1,223,284$248,184$6,708iApproximate average salary by contribution assumption: employee only about $167,692 at 4% or $111,795 at 6%; with 50% employer match about $111,795 at 4% or $74,530 at 6%; with 100% employer match about $83,846 at 4% or $55,897 at 6%.
2007236$9,965,280$489,104$13,586iApproximate average salary by contribution assumption: employee only about $339,656 at 4% or $226,437 at 6%; with 50% employer match about $226,437 at 4% or $150,958 at 6%; with 100% employer match about $169,828 at 4% or $113,219 at 6%.
Higgins, Cavanagh & Cooney Profit Sharing Plan & Trust-36$8,600,048$249,999$6,944iApproximate average salary by contribution assumption: employee only about $173,610 at 4% or $115,740 at 6%; with 50% employer match about $115,740 at 4% or $77,160 at 6%; with 100% employer match about $86,805 at 4% or $57,870 at 6%.
HIGGINS, CAVANAGH & COONEY 401K PLAN-36$1,365,232$239,105$6,642iApproximate average salary by contribution assumption: employee only about $166,045 at 4% or $110,697 at 6%; with 50% employer match about $110,697 at 4% or $73,798 at 6%; with 100% employer match about $83,023 at 4% or $55,348 at 6%.
2006239$8,833,544$442,910$11,357iApproximate average salary by contribution assumption: employee only about $283,917 at 4% or $189,278 at 6%; with 50% employer match about $189,278 at 4% or $126,185 at 6%; with 100% employer match about $141,958 at 4% or $94,639 at 6%.
Higgins, Cavanagh & Cooney Profit Sharing Plan & Trust-39$7,675,504$247,776$6,353iApproximate average salary by contribution assumption: employee only about $158,831 at 4% or $105,887 at 6%; with 50% employer match about $105,887 at 4% or $70,591 at 6%; with 100% employer match about $79,415 at 4% or $52,944 at 6%.
HIGGINS, CAVANAGH & COONEY 401K PLAN-39$1,158,040$195,134$5,003iApproximate average salary by contribution assumption: employee only about $125,086 at 4% or $83,391 at 6%; with 50% employer match about $83,391 at 4% or $55,594 at 6%; with 100% employer match about $62,543 at 4% or $41,695 at 6%.
2005240$7,905,340$480,148$12,004iApproximate average salary by contribution assumption: employee only about $300,093 at 4% or $200,062 at 6%; with 50% employer match about $200,062 at 4% or $133,374 at 6%; with 100% employer match about $150,046 at 4% or $100,031 at 6%.
Higgins, Cavanagh & Cooney Profit Sharing Plan & Trust-40$6,970,652$249,983$6,250iApproximate average salary by contribution assumption: employee only about $156,239 at 4% or $104,160 at 6%; with 50% employer match about $104,160 at 4% or $69,440 at 6%; with 100% employer match about $78,120 at 4% or $52,080 at 6%.
HIGGINS, CAVANAGH & COONEY 401K PLAN-40$934,688$230,165$5,754iApproximate average salary by contribution assumption: employee only about $143,853 at 4% or $95,902 at 6%; with 50% employer match about $95,902 at 4% or $63,935 at 6%; with 100% employer match about $71,927 at 4% or $47,951 at 6%.
2004240$7,170,647$418,931$10,473iApproximate average salary by contribution assumption: employee only about $261,832 at 4% or $174,555 at 6%; with 50% employer match about $174,555 at 4% or $116,370 at 6%; with 100% employer match about $130,916 at 4% or $87,277 at 6%.
Higgins, Cavanagh & Cooney Profit Sharing Plan & Trust-39$6,470,484$207,023$5,308iApproximate average salary by contribution assumption: employee only about $132,707 at 4% or $88,471 at 6%; with 50% employer match about $88,471 at 4% or $58,981 at 6%; with 100% employer match about $66,354 at 4% or $44,236 at 6%.
HIGGINS, CAVANAGH & COONEY 401K PLAN-40$700,163$211,908$5,298iApproximate average salary by contribution assumption: employee only about $132,443 at 4% or $88,295 at 6%; with 50% employer match about $88,295 at 4% or $58,863 at 6%; with 100% employer match about $66,221 at 4% or $44,148 at 6%.
2003241$6,961,284$408,507$9,964iApproximate average salary by contribution assumption: employee only about $249,090 at 4% or $166,060 at 6%; with 50% employer match about $166,060 at 4% or $110,707 at 6%; with 100% employer match about $124,545 at 4% or $83,030 at 6%.
Higgins, Cavanagh & Cooney Profit Sharing Plan & Trust-41$6,524,568$201,344$4,911iApproximate average salary by contribution assumption: employee only about $122,771 at 4% or $81,847 at 6%; with 50% employer match about $81,847 at 4% or $54,565 at 6%; with 100% employer match about $61,385 at 4% or $40,924 at 6%.
HIGGINS, CAVANAGH & COONEY 401K PLAN-41$436,716$207,163$5,053iApproximate average salary by contribution assumption: employee only about $126,319 at 4% or $84,213 at 6%; with 50% employer match about $84,213 at 4% or $56,142 at 6%; with 100% employer match about $63,159 at 4% or $42,106 at 6%.
2002244$5,753,540$400,115$9,094iApproximate average salary by contribution assumption: employee only about $227,338 at 4% or $151,559 at 6%; with 50% employer match about $151,559 at 4% or $101,039 at 6%; with 100% employer match about $113,669 at 4% or $75,779 at 6%.
Higgins, Cavanagh & Cooney Profit Sharing Plan & Trust-44$5,558,260$199,018$4,523iApproximate average salary by contribution assumption: employee only about $113,078 at 4% or $75,386 at 6%; with 50% employer match about $75,386 at 4% or $50,257 at 6%; with 100% employer match about $56,539 at 4% or $37,693 at 6%.
HIGGINS, CAVANAGH & COONEY 401K PLAN-33$195,280$201,097$6,094iApproximate average salary by contribution assumption: employee only about $152,346 at 4% or $101,564 at 6%; with 50% employer match about $101,564 at 4% or $67,709 at 6%; with 100% employer match about $76,173 at 4% or $50,782 at 6%.
2001139$0$0-
Higgins, Cavanagh & Cooney Profit Sharing Plan & Trust-39---
2000133$6,224,141$184,408$5,588iApproximate average salary by contribution assumption: employee only about $139,703 at 4% or $93,135 at 6%; with 50% employer match about $93,135 at 4% or $62,090 at 6%; with 100% employer match about $69,852 at 4% or $46,568 at 6%.
Higgins, Cavanagh & Cooney Profit Sharing Plan & Trust-33$6,224,141$184,408$5,588iApproximate average salary by contribution assumption: employee only about $139,703 at 4% or $93,135 at 6%; with 50% employer match about $93,135 at 4% or $62,090 at 6%; with 100% employer match about $69,852 at 4% or $46,568 at 6%.
1999137$6,457,384$201,717$5,452iApproximate average salary by contribution assumption: employee only about $136,295 at 4% or $90,864 at 6%; with 50% employer match about $90,864 at 4% or $60,576 at 6%; with 100% employer match about $68,148 at 4% or $45,432 at 6%.
Higgins, Cavanagh & Cooney Profit Sharing Plan & Trust-37$6,457,384$201,717$5,452iApproximate average salary by contribution assumption: employee only about $136,295 at 4% or $90,864 at 6%; with 50% employer match about $90,864 at 4% or $60,576 at 6%; with 100% employer match about $68,148 at 4% or $45,432 at 6%.